EasySaver Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 + Taxes

Rewards
Cashback
Fuel
Best For: Students and parents paying education fees, Users with high utility/bill payment spends, Frequent fuel users

EasySaver Credit Card

Rewards Structure

Base Reward Rate

0.25% on spends

Point Value

1 Point = ₹0.25

Pros

  • High 8X rewards on education and bill payments
  • Fuel surcharge waiver up to INR 100/month
  • Low annual fee of INR 499
  • Welcome bonus of 1,000 Reward Points
  • Unlimited ATM cash withdrawal up to available cash limit

Cons

  • Low base reward rate of 1 RP per INR 400 on general spends
  • Reward redemption fee of INR 99 + GST per redemption day
  • No welcome rewards on First Year Free cards

Hidden Catches (Transparency Policy)

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

Effective November 13, 2023: No reward points on Insurance, Rent Payments, and Wallet Load

Effective October 15, 2024: No reward points on Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash

Reward redemption fee of INR 99 + GST applicable per redemption day

Key Benefits & Features

1 Reward Point per INR 400 on all other eligible spends

Easy Cash: Unlimited ATM cash withdrawal up to available cash limit within billing date. Processing fee 2.5%, min INR 500.

Notable Exclusions

No reward points on Insurance transactionsNo reward points on Rent PaymentsNo reward points on Wallet LoadNo reward points on Fuel & Auto transactionsNo reward points on Quasi-Cash transactionsNo reward points on Railways transactionsNo reward points on Government ServicesNo reward points on Contracted ServicesNo reward points on Cash transactionsNo reward points on Miscellaneous categoryNo reward points on Utility transactionsNo reward points on Bills2pay transactionsNo reward points on EMI transactions

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

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

About EasySaver Credit Card

The RBL Bank EasySaver Credit Card is designed to maximize savings across your everyday spending categories, functioning with the power of four cards in one. It is ideally suited for individuals with significant education fee payments, high utility and bill payment spends, and frequent fuel purchases. With annual rewards worth INR 1,500 and above, the card delivers meaningful value across multiple spending categories. Cardholders earn 8 Reward Points for every INR 400 spent on education and bill payments, and 1 Reward Point for every INR 400 spent on all other eligible purchases. New cardholders receive 1,000 Reward Points as a welcome benefit upon payment of the annual fee and a minimum spend of INR 2,000 within 30 days of card issuance. The card also features a fuel surcharge waiver of up to INR 100 per month on transactions between INR 500 and INR 4,000, making it a practical choice for regular commuters. A standout feature is Easy Cash, which allows unlimited cash withdrawals from any ATM across India up to your billing date, subject to your available cash limit. The EasySaver Credit Card carries a joining and annual fee of INR 499, offering a strong rewards proposition for cardholders seeking everyday savings on essential spends.

Expert Review

Our Verdict

Earn 8X rewards on education & bill payments plus fuel surcharge waiver at just ₹499/year.

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