"India's first 0% forex markup credit card โ 5 travel points on travel spends, โน3,000 MakeMyTrip welcome voucher and milestone benefits up to โน10,000"
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Quick Summary
๐ณ Joining Fee
โน3,000 + GST
๐ Renewal Fee
โน3,000 + GST
Waived: No formal spend-based annual fee waiver; request retention offer on renewal
๐ฏ Best Suited For
Frequent international travellers wanting 0% forex markup and zero currency conversion fees; those who book on MakeMyTrip and want milestone travel vouchers up to โน10,000
๐ Reward Type
Reward Points (1 RP = โน0.25; redeemable for travel, vouchers, merchandise via RBL Rewards portal)
๐ Welcome Benefit
MakeMyTrip voucher worth โน3,000 on first transaction within 30 days and payment of joining fee โ effectively offsets joining fee
๐ฐ Reward Rate
5 RPs per โน100 on eligible travel spends (flights, hotels, travel agencies โ domestic and international); 2 RPs per โน100 on all other domestic retail; 0 reward points on international transactions despite 0% forex markup; excludes fuel, cash, government, EMI
โ๏ธ Lounge Access
2 complimentary domestic airport lounge visits per quarter (8 per year) on spending โน35,000 in the previous quarter; 2 complimentary international lounge visits per year via Priority Pass (primary only)
๐ฑ Forex Markup
0% โ zero forex markup on all international transactions; no currency conversion fee; India's first retail travel card with this feature
0% forex markup โ India's first at accessible fee; saves 3 to 3.5% on every international transaction
Joining fee fully offset by โน3,000 MakeMyTrip welcome voucher
โน10,000 voucher milestone on โน7.5L annual spend
8 domestic plus 2 international lounge visits per year with spend condition
5X reward points on travel spends
Good travel insurance on joining
โ Cons
No reward points on international transactions despite 0% forex markup
Lounge access requires โน35,000 quarterly spend
High interest rate 3.99% per month
RBL customer service quality is inconsistent
Redemption fee โน99 per transaction
Travel insurance terms change at renewal โ verify
๐ Rewards & Benefits
Reward Type
Reward Points (1 RP = โน0.25; redeemable for travel, vouchers, merchandise via RBL Rewards portal)
Welcome Benefits
MakeMyTrip voucher worth โน3,000 on first transaction within 30 days and payment of joining fee โ effectively offsets joining fee
Reward Rate
5 RPs per โน100 on eligible travel spends (flights, hotels, travel agencies โ domestic and international); 2 RPs per โน100 on all other domestic retail; 0 reward points on international transactions despite 0% forex markup; excludes fuel, cash, government, EMI
1% fuel surcharge waiver at all fuel stations on transactions โน500 to โน4,000; maximum โน250 per month
Lounge Access
2 complimentary domestic airport lounge visits per quarter (8 per year) on spending โน35,000 in the previous quarter; 2 complimentary international lounge visits per year via Priority Pass (primary only)
Spend Based Fee Waiver
No formal fee waiver; request retention on renewal
Milestone Benefits
10,000 bonus RPs (worth โน2,500) on โน2.5 lakh annual spend; 15,000 bonus RPs on โน5 lakh annual spend; voucher worth โน10,000 from Taj Experiences, Amazon, Croma, Myntra or MakeMyTrip on โน7.5 lakh annual spend
Other Benefits
Travel insurance on joining (verify current coverage on renewal); emergency overseas assistance; lost passport and delayed baggage cover; fuel surcharge waiver; contactless payments; EMI conversion; Visa network
โจ Special Perks & Exclusive Offers
Memberships
Priority Pass (complimentary; 2 international visits per year included)
Insurance Cover
International travel insurance (verify terms at renewal โ RBL updates periodically); zero liability on timely reporting
Add-on Cards
Add-on cards for family members
Concierge Services
Details coming soon
Special Offers
0% forex markup โ unique among cards at this fee range; โน3,000 MMT welcome voucher; โน10,000 voucher milestone on โน7.5L annual spend
๐ณ Fees & Interest Rates
Joining Fee
โน3,000 + GST
Annual Fee / Renewal Fee
โน3,000 + GST โ Waived on: No formal spend-based annual fee waiver; request retention offer on renewal
Interest Rate (APR)
๐กPay 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 โน500
Late Payment Charges
15% of total amount due, minimum โน50, maximum โน1,500
Over Limit Charges
As per RBL Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
0% โ zero forex markup on all international transactions; no currency conversion fee; India's first retail travel card with this feature
Other Charges
No reward points on international transactions despite 0% forex markup; lounge requires โน35K quarterly spend; RBL customer service has mixed reviews; travel insurance terms updated at renewal; redemption fee โน99
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 21 to 60 years; Indian resident; salaried or self-employed; minimum monthly income โน25,000+; strong credit history
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