MyFinCards
Apex Credit Card

Joining Fee

₹1,000

Annual Fee

Rs. 1000 + Taxes

RBL Bank
Cashback
Lifestyle
Travel
Best For: Everyday shoppers who buy via RBL Rewards Portal, Occasional travellers seeking lounge access, Movie goers

Apex Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹500 /monthly

Pros

  • Unlimited 2% cashback on portal purchases (flights, hotels, vouchers)
  • Welcome vouchers worth over INR 1,700
  • Up to INR 3,000 milestone cashback per year
  • Movie ticket offer on BookMyShow
  • Quarterly lounge access

Cons

  • Redemption fee of INR 99+GST on cashback redemption
  • 1% cashback on other purchases capped at INR 500 per billing month
  • Lounge access requires minimum INR 35,000 spend per quarter
  • Many categories excluded from cashback and milestone benefits

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Cashback redemption attracts a fee of INR 99+GST

Lounge access is conditional on INR 35,000 eligible spend per quarter

Numerous excluded MCCs: Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, EMI conversions

Key Benefits & Features

Welcome vouchers worth over INR 1,700 on first transaction within 30 days and paying membership fee in first billing cycle

Notable Exclusions

No cashback, milestone benefits or lounge benefits on Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, EMI conversion of retail transactions (including Split-N-Pay and EMI at POS/Web/App)

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Apex Credit Card

The RBL Bank Apex Credit Card is designed to make cashback simple, seamless, and transparent for everyday spenders. As a welcome gesture, new cardholders receive vouchers worth over INR 1,700 for streaming, dining, and travel, provided they complete their first transaction within 30 days of card issuance and pay the membership fee within the first billing cycle. At its core, the card offers unlimited 2% cashback on flights, hotels, shopping, and vouchers purchased through the RBL Bank Rewards Portal, along with 1% cashback on all other purchases, capped at INR 500 per billing month. High spenders are further rewarded through milestone benefits, earning INR 1,000 cashback on annual eligible spends of INR 2 lakhs and an additional INR 2,000 cashback upon reaching INR 4 lakhs in a membership year, totalling up to INR 3,000 in milestone rewards. Beyond cashback, the card offers up to four complimentary domestic airport lounge visits per year, with one visit per calendar quarter upon meeting the INR 35,000 eligible spend threshold. Movie enthusiasts benefit from a Buy 1 Get 1 free offer on BookMyShow each month. The card carries an annual and joining fee of INR 1,000 each, with a redemption fee of INR 99 plus GST applicable on cashback redemptions.

Expert Review

Our Verdict

Simple cashback card with up to 2% back on portal purchases, lounge access & movie benefits for ₹1,000/year.

Frequently Asked QuestionsAbout Apex Credit Card

FEESWhat is the annual membership fee for the RBL Bank Apex Credit Card?
The RBL Bank Apex Credit Card comes with an annual membership fee of INR 1,000. This fee is charged once per membership year. Please note that a redemption fee of INR 99 + GST is also applicable each time you redeem your accumulated cashback. For a complete breakdown of all applicable charges, you can refer to the Schedule of Charges available on the RBL Bank website.
FEESWhat is the joining fee for the Apex Credit Card?
The joining fee for the RBL Bank Apex Credit Card is INR 1,000, which is the same as the annual renewal fee. To be eligible for the welcome benefits, you must make your first transaction within 30 days of card issuance and pay your membership fee within the first billing cycle. Upon meeting these conditions, welcome vouchers worth over INR 1,700 will be sent to your registered email within 30 days.
REWARDSWhat cashback rate does the Apex Credit Card offer?
The RBL Bank Apex Credit Card offers unlimited 2% cashback on purchases made across categories like Flights, Hotels, Shopping, and Vouchers on the RBL Bank Rewards Portal. For all other purchases, you earn 1% cashback, which is capped at INR 500 per billing month. Certain categories are excluded from cashback benefits, including Fuel, Utilities, Insurance, Railways, Education, Wallet/Service Providers, Government Services, and Cash transactions.
REWARDSWhat are the milestone cashback benefits on the Apex Credit Card?
The Apex Credit Card offers up to INR 3,000 in milestone cashback per membership year. You earn INR 1,000 cashback when your eligible purchases reach INR 2 lakhs in a membership year. An additional INR 2,000 cashback is credited when eligible purchases reach INR 4 lakhs in the same membership year. Note that certain categories such as Fuel, Utilities, Insurance, and Government Services are excluded from milestone benefit calculations.
USAGEHow can I redeem cashback earned on the Apex Credit Card?
Cashback earned on the RBL Bank Apex Credit Card can be redeemed through the RBL Bank Rewards Portal. Please note that a redemption fee of INR 99 + GST is charged each time you redeem your cashback. For details on cashback validity, redemption process, and excluded categories, you should refer to the Product Terms and Conditions available on the RBL Bank website or contact RBL Bank customer support.
BENEFITSDoes the Apex Credit Card offer airport lounge access?
Yes, the RBL Bank Apex Credit Card provides 1 complimentary airport lounge visit per calendar quarter at major airports in India, allowing up to 4 lounge visits annually. To be eligible for each quarterly lounge visit, you must make eligible purchases of INR 35,000 or more in that calendar quarter. You can check the list of eligible airport lounges on the RBL Bank website. Note that certain spend categories are excluded when calculating lounge eligibility.
BENEFITSWhat movie benefits does the Apex Credit Card offer?
The RBL Bank Apex Credit Card offers a Buy 1 Get 1 Free movie ticket offer on BookMyShow every month. To avail this benefit, you need to purchase 2 or more movie tickets on BookMyShow using your Apex Credit Card. The maximum discount applicable under this offer is INR 100 per month. For full terms and conditions of this offer, please refer to the BookMyShow offer details on the RBL Bank website.
BENEFITSWhat are the welcome benefits on the Apex Credit Card?
New Apex Credit Card holders receive welcome vouchers worth over INR 1,700, which cover streaming, dining, and travel services. To avail these benefits, you must make your first transaction within 30 days of card issuance and pay your membership fee within the first billing cycle. A voucher redemption link will be sent to your registered email address within 30 days of meeting the eligibility criteria. Terms and conditions apply.
USAGEWhich categories are excluded from cashback and milestone benefits on the Apex Credit Card?
Several categories are excluded from cashback, milestone benefits, and lounge access eligibility on the Apex Credit Card. These include: Fuel, Utilities, Insurance, Quasi-Cash transactions, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash transactions, Miscellaneous, Bills2Pay, and EMI conversions of retail transactions (including Split-N-Pay and EMI conversion requests at POS/Web/Mobile App). You should refer to the Product Terms and Conditions for the complete list of exclusions.
APPLICATIONHow do I apply for the RBL Bank Apex Credit Card?
You can apply for the RBL Bank Apex Credit Card online through the RBL Bank official website by clicking the 'Apply Now' button on the Apex Credit Card page. The application process is digital and straightforward. You will need to provide basic personal and financial details along with the required KYC documents. RBL Bank will assess your application based on their eligibility criteria, including income and creditworthiness, before approving the card.
DOCUMENTSWhat documents are typically required to apply for the Apex Credit Card?
While specific document requirements are not listed on the page, credit card applications at RBL Bank typically require standard KYC documents including: a valid photo identity proof (such as Aadhaar Card or Passport), address proof, PAN Card, and recent income proof such as salary slips or bank statements for salaried individuals, or ITR documents for self-employed applicants. You may also need a recent passport-sized photograph. It is recommended to check the RBL Bank website or contact customer care for the exact document checklist.
INTERNATIONALCan I use the Apex Credit Card for international transactions?
The page content does not specify a forex markup fee for the RBL Bank Apex Credit Card (listed as N/A). While the card can generally be used for international transactions on the Visa/Mastercard/RuPay network, it is advisable to check with RBL Bank directly for applicable foreign currency transaction charges, cross-border fees, and whether the card is enabled for international usage by default. You can manage card settings, including international usage, through the RBL Bank MyCard app or net banking.
USAGEHow can I set or reset my Apex Credit Card PIN?
You can set or reset your RBL Bank Apex Credit Card PIN online through multiple channels. RBL Bank provides the option to set your credit card PIN via the RBL Bank website's 'Set Your Credit Card PIN' section, through the RBL MyCard Mobile App, or through RBL Bank's net banking portal. You can also manage other card settings such as switching the card on or off, activating the card, and saving card details on merchants through these digital platforms.
CANCELLATIONHow can I cancel or close my Apex Credit Card?
To cancel or close your RBL Bank Apex Credit Card, you can contact RBL Bank customer care by reaching out through the 'Contact Us' section on the RBL Bank website, raising a query or request via the grievance mechanism, or visiting your nearest RBL Bank branch. Before cancelling, ensure all outstanding dues are cleared and any accumulated cashback is redeemed. Note that once the card is closed, any unredeemed cashback balance may be forfeited as per the card terms and conditions.
OTHERWhat should I do if my Apex Credit Card is lost or used without my authorization?
If your RBL Bank Apex Credit Card is lost or used without your authorization, you should immediately report it to RBL Bank. You can report a lost card or unauthorized usage through the dedicated 'Credit Card - Report Loss or Unauthorised Use' section on the RBL Bank website, by contacting the RBL Cares customer service helpline, or through the RBL MyCard Mobile App by switching off the card instantly. Prompt reporting helps protect you from fraudulent transactions and limits your liability.

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