Best RBL Bank Credit Cards – Top Offers & Rewards
RBL Bank is somewhat well known as an innovative credit card issuer developing a portfolio of lifestyle-oriented cards. They began as Ratnakar Bank Limited and changed their name to RBL Bank in 2014.
They are all about tech-driven banking and the headquarters are based in Mumbai. Having a grip over the benefits of RBL Bank cards can give a huge boost to your shopping, dining and entertainment expenses.
Here we will check the suite of credit-cards offered by RBL Bank, the ones that are accessible to the low-end market, and those that are priced at the top of the scale, that is, those that target the uppermost segment of the market. We will consider the price, bonuses, and other cool benefits so that you can choose the one that suits your budgetary plans and lifestyle.
List of Best RBL Bank Credit Cards in India 2026
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Best Suited For
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Best Suited For
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Why Choose an RBL Bank Credit Card?
Therefore, RBL Bank credit cards are primarily used by students and shoppers. They offer reward points on all purchases, including groceries and online purchases, and add entertainment benefits to movie nights and in-stream. As a fully digital bank, it aims to make banking feel like an easy-to-use app.
Additionally, they have collaborated with retail and entertainment giants, which implies additional benefits. You want to score on the cost of clothing lines, Free movie tickets, or student-friendly benefits. RBL credit cards offer a wide range of options, so anyone on campus can find one that fits their budget.
Entry-Level RBL Bank Credit Cards
RBL Bank ShopRite Credit Card
The RBL Bank ShopRite Credit Card is for shoppers who seek rewards on retail purchases. RBL ShopRite shopping benefits include reward points on purchases across categories. This entry-level card delivers value for regular shoppers.
Key Features:
- Joining Fee: ₹500 + GST
- Annual Fee: ₹500 + GST (waivable on meeting spend threshold)
- Welcome Benefit: Reward points on activation
- Reward Earning: Reward points on all eligible purchases
- Shopping Benefits: Rewards on retail transactions
- Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
- Insurance Coverage: Personal accident cover
- EMV Chip Security: High Secure Fraud protection
- Annual Fee Waiver: Fee waived on achieving annual spending target
RBL Bank Titanium Credit Card
RBL Bank Titanium Credit Card serves first-time cardholders and budget-conscious spenders. RBL Titanium card features include basic rewards and essential benefits. This entry card provides credit access at minimal cost.
Key Features:
- Joining Fee: ₹250 + GST
- Annual Fee: ₹250 + GST (waivable)
- Welcome Benefit: Welcome reward points
- Reward Earning: Standard reward points on purchases
- Fuel Surcharge Waiver: 1% on fuel transactions
- Insurance: Basic accident cover
- EMV Security: Chip-based security
- Annual Fee Waiver: Available on meeting spend criteria
Mid-Tier RBL Bank Credit Cards
Compare mid-tier RBL Bank credit cards on CardMintra that offer great rewards, lifestyle benefits, and value for middle-income individuals.
RBL Bank Platinum Maxima Credit Card
RBL Bank Platinum Maxima Credit Card caters to shoppers and entertainment seekers. RBL Platinum Maxima benefits include movie discounts and shopping rewards. This mid-tier card balances fees with lifestyle benefits.
Key Features:
- Joining Fee: ₹1,000 + GST
- Annual Fee: ₹1,000 + GST (waivable on spend threshold)
- Welcome Benefit: Reward points and entertainment vouchers
- Reward Earning: Enhanced points on shopping and dining
- Movie Benefits: Discounts on movie tickets (buy-one-get-one offers)
- Shopping Rewards: Extra points at partner retailers
- Fuel Surcharge Waiver: 1% on transactions between ₹400-₹4,000
- Insurance: Purchase protection and accident cover
- Annual Fee Waiver: Fee waived on annual spending target
RBL Bank Avanza Credit Card
RBL Bank Avanza Credit Card targets lifestyle enthusiasts seeking dining and entertainment rewards. RBL Avanza dining benefits include restaurant discounts. This card focuses on lifestyle spending categories.
Key Features:
- Joining Fee: ₹1,500 + GST
- Annual Fee: ₹1,500 + GST
- Welcome Benefit: Lifestyle vouchers and bonus points
- Reward Earning: Reward points on all purchases
- Dining Benefits: Discounts at partner restaurants
- Movie Benefits: Cinema ticket offers
- Shopping Rewards: Enhanced points on retail purchases
- Fuel Surcharge Waiver: 1% on fuel transactions
- Insurance: Travel and purchase protection
Premium RBL Bank Credit Cards
RBL Bank World Safari Credit Card
RBL Bank World Safari Credit Card serves frequent travelers seeking airport lounge access and travel benefits. RBL World Safari travel perks include complimentary lounge visits. This premium card targets jet-setters.
Key Features:
- Joining Fee: ₹3,000 + GST
- Annual Fee: ₹3,000 + GST
- Welcome Benefit: Travel vouchers and bonus reward points
- Reward Earning: Premium earning rate on all spends
- Airport Lounge Access: Complimentary domestic and international lounge visits
- Travel Insurance: Comprehensive coverage for delays, baggage loss
- Dining Benefits: Discounts at premium restaurants
- Golf Privileges: Access to select golf courses
- Fuel Surcharge Waiver: 1% on transactions
- Foreign Currency Markup: Competitive rates on international transactions.
RBL Bank Insignia Credit Card
RBL Bank Insignia Credit Card represents the bank’s ultra-premium offering for high-net-worth individuals. RBL Insignia luxury benefits include exclusive privileges and elite services. This invitation-preferred card delivers premium experiences.
Key Features:
- Joining Fee: ₹10,000 + GST
- Annual Fee: ₹10,000 + GST
- Welcome Benefit: Luxury vouchers worth ₹10,000+
- Reward Earning: Premium earning rate on all purchases
- Airport Lounge Access: Unlimited domestic + multiple international visits
- Hotel Benefits: Elite status at partner hotels, room upgrades
- Dining Benefits: Up to 30% discount at luxury restaurants
- Golf Privileges: Complimentary rounds at premium courses
- Travel Insurance: Premium coverage up to ₹1 crore
- Personal Assistant: 24/7 lifestyle services
- Foreign Currency Markup: Reduced rates on international spending
RBL Bank Credit Card Rewards & Redemption
RBL Bank reward points redemption offers multiple pathways:
Reward Structures
| Card Type | Reward Rate | Points Value |
| ShopRite | 1-3 points per ₹100 | ₹0.20-₹0.25 per point |
| Titanium | 1 point per ₹100 | ₹0.20-₹0.25 per point |
| Platinum Maxima | 2-4 points per ₹100 | ₹0.20-₹0.25 per point |
| Avanza | 2-3 points per ₹100 | ₹0.20-₹0.25 per point |
| World Safari | 3-5 points per ₹100 | ₹0.25-₹0.30 per point |
| Insignia | 5-8 points per ₹100 | ₹0.25-₹0.30 per point |
Redemption Options
- Travel Bookings: Flights and hotels via RBL travel partners
- Gift Vouchers: 100+ brands including Amazon, Flipkart, lifestyle retailers
- Merchandise: Electronics, appliances via rewards catalog
- Statement Credit: Offset balance with points (₹0.25 per point)
- Movie Tickets: Direct redemption for entertainment
Points typically hold ₹0.20-₹0.25 per point value for standard redemptions.
Eligibility Criteria
RBL Bank credit card eligibility requirements:
Age Requirements:
- Primary cardholder: 21-60 years
- Add-on cardholder: 18+ years
Income Criteria:
- Entry-Level (ShopRite, Titanium): ₹20,000-₹30,000 monthly
- Mid-Tier (Platinum Maxima, Avanza): ₹40,000-₹60,000 monthly
- Premium (World Safari, Insignia): ₹1,00,000-₹2,00,000 monthly
Credit Score: 750+ recommended
Documents Required
- PAN card (mandatory)
- Aadhaar card
- Recent salary slips (3 months)
- Bank statements (6 months)
- Passport-size photographs
RBL Bank Credit Card Fees & Charges
| Card | Joining Fee | Annual Fee | Fee Waiver |
| Titanium | ₹250 + GST | ₹250 + GST | Spend-based |
| ShopRite | ₹500 + GST | ₹500 + GST | Spend-based |
| Platinum Maxima | ₹1,000 + GST | ₹1,000 + GST | Spend-based |
| Avanza | ₹1,500 + GST | ₹1,500 + GST | Spend-based |
| World Safari | ₹3,000 + GST | ₹3,000 + GST | Spend-based |
| Insignia | ₹10,000 + GST | ₹10,000 + GST | N/A |
Additional Charges: Interest 3.5% per month, cash advance 2.5%, forex markup 3.5% + GST
Our Top 2 Picks
Best Card for Below ₹50,000 Monthly Salary: RBL Bank ShopRite Credit Card
RBL ShopRite delivers shopping rewards at affordable ₹500 annual fee, generating ₹3,000-₹5,000 annual value for ₹30,000+ monthly retail spending through enhanced reward points and merchant partnerships.
Best Card for Above ₹50,000 Monthly Salary: RBL Bank World Safari Credit Card
World Safari offers premium travel benefits at ₹3,000 fee—unlimited lounge access, travel insurance, and dining privileges deliver ₹15,000–₹25,000 annual value for frequent travelers.
Conclusion
RBL offers a variety of cards for different categories. If you take frequent international flights, the RBL Bank Insignia Credit Card is the best option for you. Similarly, for Entertainment, you can take the RBL Bank Platinum Maxima Credit Card.
If you shop online, the RBL Bank ShopRite Credit Card is the best option. For lower salaries, like 20,000 to 30,000, you can apply for the ShopRite Titanium Credit Card.
You should apply for a credit card that aligns with your shopping habits and spending patterns. Carefully review all cards listed above, and apply only after reviewing the full details. The link above will take you directly to the bank’s website, where you can use it.