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Last updated: 01-06-2026
RBL Bank Zest Credit Card
RBL Bank

RBL Bank Zest Credit Card

"RBL's entry-level cashback card โ€” lifetime free with 2% cashback on online spends, 1% on offline and movie discounts via BookMyShow"

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Quick Summary
๐Ÿ’ณ Joining Fee
Nil โ€” Lifetime Free
๐Ÿ”„ Renewal Fee
Nil โ€” Lifetime Free
Waived: No fee โ€” lifetime free card
๐ŸŽฏ Best Suited For
First-time card users who want a no-fee cashback card from RBL Bank; online shoppers who want straightforward cashback without tracking categories
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25; effectively 2% on online, 1% on offline)
๐ŸŽ‰ Welcome Benefit
1,000 bonus RPs on first transaction within 30 days (worth โ‚น250)
๐Ÿ’ฐ Reward Rate
8 RPs per โ‚น100 on online spends (2% effective); 4 RPs per โ‚น100 on offline spends (1% effective); excludes fuel, utilities (from October 2023), insurance, EMI, government, wallet loads
โœˆ๏ธ Lounge Access
No complimentary airport lounge access
๐Ÿ’ต Cashback Rate
2% on online; 1% on offline (as reward points)
โญ Rate this Card
Click to rate
โœ… Pros
  • Lifetime free โ€” zero cost
  • 2% effective cashback on online spends
  • 1% on offline spends
  • 10% BookMyShow discount
  • Accessible eligibility (โ‚น12K income, 650 CIBIL)
  • Fuel surcharge waiver
โŒ Cons
  • No lounge access
  • High forex markup 3.5%
  • High interest rate 3.99%/month
  • Utilities excluded since October 2023
  • Redemption fee โ‚น99 + GST
  • RBL customer service has mixed reviews

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25; effectively 2% on online, 1% on offline)
Welcome Benefits
1,000 bonus RPs on first transaction within 30 days (worth โ‚น250)
Reward Rate
8 RPs per โ‚น100 on online spends (2% effective); 4 RPs per โ‚น100 on offline spends (1% effective); excludes fuel, utilities (from October 2023), insurance, EMI, government, wallet loads
Reward Redemption
RBL Rewards portal: cashback, vouchers, merchandise; 1 RP = โ‚น0.25; redemption fee โ‚น99 + GST
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น500 to โ‚น4,000; maximum โ‚น100 per month
Lounge Access
No complimentary airport lounge access
Spend Based Fee Waiver
Not applicable โ€” lifetime free
Milestone Benefits
No specific milestone benefits; continuous earning
Other Benefits
2% on online and 1% on offline โ€” simple cashback structure; 10% off on BookMyShow movie tickets (up to โ‚น100 per booking); fuel surcharge waiver; contactless payments; EMI conversion; NCMC transit feature on RuPay variant

โœจ Special Perks & Exclusive Offers

Memberships
Details coming soon
Insurance Cover
Zero liability on timely reporting
Add-on Cards
Add-on cards for family
Concierge Services
Details coming soon
Special Offers
2% online cashback; 1% offline; 10% BookMyShow discount; lifetime free

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
Nil โ€” Lifetime Free
Annual Fee / Renewal Fee
Nil โ€” Lifetime Free
โœ“ Waived on: No fee โ€” lifetime free card
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
Up to 3.99% per month (47.88% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
15% of total amount due, minimum โ‚น50, maximum โ‚น1,500
Over Limit Charges
As per RBL Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Other Charges
Redemption fee โ‚น99 + GST; utilities excluded from rewards since October 2023; high interest rate 3.99%/month; high forex markup 3.5%

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 60 years; Indian resident; salaried or self-employed; minimum monthly income โ‚น12,000+
Credit Score Requirement
650+ CIBIL โ€” accessible for first-time applicants
Credit Limit
Based on income and RBL Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per RBL Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via RBL MyCard app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 121 9050 (24x7)
Chat / Email Support
Chat via RBL Bank website
Mobile App
RBL MyCard app
Online Banking
RBL Bank website

Last updated: 01-06-2026

โญ User Reviews

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Disclaimer: Information is for comparison purposes only. Verify details directly with the issuing bank before applying. CardComparison.in is not a bank or financial advisor.
Printed: 23 Oct 2026, 09:33 PM
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