RBL Bank
RBL Bank NOVA Credit Card
This is an invite only card
Top Benefits
Enjoy 24 Complimentary Airport Lounge Access
12 international and 12 domestic complimentary airport lounge visits every year plus 4 guest visits outside India
arn 12 Reward Points per ₹200 spent on Flight Bookings
and hotel stays, and transfer your points to leading global airline partners at 2 Reward Points to 1 Partner Point
Best For
Shopping
Travel
Expert Review
Joining / Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹14,750 ( ₹12500 + GST )
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
No
All Card Benefits
- Earn 4 Reward Points per ₹200 on all purchases (1 Reward Point = ₹1) and 12 Reward Points per ₹200 on flights & hotels
- 12 international + 12 domestic complimentary airport lounge visits a year with 4 guest visits abroad
- 4 complimentary golf rounds and 12 golf lessons a year
- airline point transfer at 2:1
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹1
Redemption Options
- Flight & Hotel Bookings
- Vouchers
- Apparel
- Perfumes
To check redemption catalogue
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Utilities Bills
Insurance
Quasi Cash
Real Estate
Rental
Wallet
Government Services
Cash Withdrawal
EMI
For Spends Waiver
Fuel
Utilities Bills
Insurance
Quasi Cash
Real Estate
Rental
Wallet
Government Services
Cash Withdrawal
EMI
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  2% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency | 2% |
APR Fees Finance charges of 3.4% per month 40.8% per annum apply on unpaid outstanding balances until the amount is fully repaid | 3.4% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card minimum ₹500, if applicable | 2.5% |
Reward Redemption Fees No fee is charged when redeeming reward | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1% is applied to transactions made for booking railway tickets | 1% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions | 1% |
cheque Payment Fees A fee of ₹500 is levied for cheque return, cheque dishonour, or auto-debit reversal | ₹500 |
Cash Payment Fees A fee of ₹100 is charged for making credit card bill payments in cash at RBL Bank branches | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹700 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,001+ | ₹1,300 |
That’s the full story of this credit card
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Top Benefits
Top Benefits
Enjoy 24 Complimentary Airport Lounge Access
12 international and 12 domestic complimentary airport lounge visits every year plus 4 guest visits outside India
arn 12 Reward Points per ₹200 spent on Flight Bookings
and hotel stays, and transfer your points to leading global airline partners at 2 Reward Points to 1 Partner Point
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