RBL Bank Credit Cards
Best for reward redemption & unmatched welcome benefits.
RBL Shoprite Credit Card
RBL Shoprite Credit Card offers 5% grocery cashback, fuel surcharge waiver, welcome rewards, and easy EMI options—perfect for everyday savings, secure payments, and smart spending on essentials.
Fees & Charges
Joining Fee: Lifetime Free
Annual Fee: Nil
Reward Redemption Fee: ₹99 + GST per redemption request
Top Features & Benefits
Earn 20 reward points per ₹100 spent on grocery shopping (1 point = ₹0.25)
1 reward point per ₹100 on all other purchases
10% discount (up to ₹100) on BookMyShow movie tickets, up to 15 times per calendar year
Exciting discounts on partner brands like Tata Cliq, Zomato, Swiggy, Zepto, and more
Fuel surcharge waiver on transactions between ₹500 and ₹4,000 (max waiver ₹100/month)
Documents Required
ID Proof: PAN Card or Form 60
Address Proof: Aadhaar (authentication required during KYC)
Eligibility Criteria
Age: 21 to 65 years
Employment: Salaried or Self-Employed
Income:
Salaried: Minimum ₹15,000/month
Self-Employed: Minimum ₹2 Lakhs/year (as per ITR)
Credit Score: 720+
New-to-Credit Applicants: Not eligible
RBL Bank IRCTC Credit Card
RBL IRCTC Credit Card – Earn train travel rewards, free executive lounge access, and cancellation cover – perfect for frequent railway travelers!
Fees & Charges:
- Joining Fee: ₹500 + GST
Annual Fee: ₹500 + GST
Redemption Fee: ₹99 + GST per redemption transaction
Welcome Benefit:
- Smart Rewards for Train Travelers | Bonus Points & Lounge Access
Get 500 Reward Points on first spend of ₹500+ within 30 days
Earn 5 Reward Points per ₹200 on IRCTC train ticket bookings (1 RP = ₹1 on IRCTC)
Earn up to 3 Reward Points per ₹200 on FASTag & IRCTC flight/hotel bookings (capped at 1,000 points/month)
Access to IRCTC Executive Lounges – 8 complimentary visits/year (2 per quarter)
Quarterly Bonus: 500 Reward Points on spends of ₹75,000 (excluding select categories)
Cancellation Protection up to ₹5,000 for trains canceled within 24 hours by Indian Railways
Documents Needed:
- ID Proof: PAN Card/Form 60
Address Proof: Aadhaar/Passport/Utility Bill
Income Proof: Bank Statement/Salary Slip
Photograph: Recent passport-size photo
Eligibility Criteria:
- Age: 21–65 years
Salaried Income: ₹15,000/month
Self-Employed: ITR > ₹2,00,000/year
Credit Score: 720+
New to Credit: Not Allowed
RBL Indian Oil Credit Card
The RBL Indian Oil Credit Card is perfect for fuel enthusiasts! Earn 10 Fuel Points per ₹100 at Indian Oil stations, enjoy exclusive discounts, and redeem points for fuel savings. Maximize rewards with every spend!
Fees & Charges:
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST (waived on spends of ₹1.75 Lakh or more in the previous year)
- Redemption Fee: ₹99 + GST for reward points
- Earn 10 Fuel Points for every ₹100 spent at Indian Oil fuel stations (Max 1,000 fuel points/month)
Welcome Benefit:
- 1,000 fuel points (worth ₹500) on first transaction of ₹500 or more within 30 days of card issuance
- Earn 1 Fuel Point for every ₹100 spent on other purchases
- Fuel Point Value: 1 Fuel Point = ₹0.5, redeemable at Indian Oil Fuel Stations
- Fuel Surcharge Waiver at all fuel stations for transactions between ₹500 and ₹4,000 (Max monthly waiver: ₹100)
Documents Needed:
- ID Proof: PAN Card/Form 60
- Address Proof: Aadhaar Authentication is required at the time of KYC
Eligibility Criteria:
- Age: 21-65 years
- Employment: Salaried and Self-Employed
- Income: ₹15,000/month (Salaried), ₹2 Lakh/year (Self-Employed)
Credit Score: Minimum 720+
New to Credit: Not allowed
RBL Indian Oil Xtra Credit Card
The RBL IndianOil Extra Credit Card offers accelerated fuel savings with reward points on fuel spends, discounts on dining, and cashback on shopping—making it a great choice for frequent commuters and shoppers.
Fees & Charges
- Joining Fee: ₹1500 + GST
- Annual Fee: ₹1500 + GST (waived on ₹2.75L+ annual spends)
- Reward Redemption Fee: ₹99 + GST per request
- Fuel Surcharge Waiver: On transactions of ₹500-₹4000 (Max waiver: ₹100/month)
Rewards & Benefits
- 15 Fuel Points per ₹100 spent at Indian Oil fuel stations (Max 2,000 points/month)
- Welcome Benefit: 3,000 Fuel Points (worth ₹1500) on first spend of ₹500+ within 30 days
- 2 Fuel Points per ₹100 spent on other categories
- 1 Fuel Point = ₹0.5, redeemable at Indian Oil fuel stations
Eligibility Criteria
- Age: 21-65 years
- Employment Status: Salaried & self-employed
- Income: ₹15,000+ monthly (Self-employed: ₹2L+ annual ITR)
Credit Score: 720+ (New-to-credit not allowed)
Documents Required
ID Proof: PAN Card/Form 60
Address Proof: Aadhaar authentication required for KYC
