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

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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