MyFinCards
EasySaver Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 + Taxes

RBL Bank
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.

Official Terms & Conditions

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.

Frequently Asked QuestionsAbout EasySaver Credit Card

FEESWhat is the annual fee for the EasySaver Credit Card?
The EasySaver Credit Card has an annual fee of INR 499 (plus applicable service tax/GST). This fee applies from the first year itself. Note that First Year Free variants are also available, but welcome reward points are not provided on First Year Free cards. The low annual fee makes this card a cost-effective choice for cardholders looking to earn rewards on everyday spends like education and bill payments.
BENEFITSWhat welcome benefits do I get with the EasySaver Credit Card?
On payment of the annual fee and a minimum spend of INR 2,000 within 30 days of card issuance, you receive 1,000 Reward Points as a welcome gift. These 1,000 Reward Points are valued at approximately INR 200. Please note that welcome rewards are not provided to First Year Free cardholders. Make sure to complete the minimum spend within the stipulated 30-day window to qualify for this benefit.
REWARDSHow many reward points do I earn on the EasySaver Credit Card?
The EasySaver Credit Card offers a tiered reward structure. You earn 1 Reward Point for every INR 400 spent on general/everyday purchases. For education-related spends and bill payments, you earn an accelerated 8 Reward Points for every INR 400 spent. Please note that effective November 13, 2023, transactions on Insurance, Rent Payments, and Wallet Load categories do not earn reward points. Additional category exclusions apply from October 15, 2024.
BENEFITSWhat is the fuel surcharge waiver benefit on the EasySaver Credit Card?
The EasySaver Credit Card offers a fuel surcharge waiver of up to INR 100 per month. This waiver is applicable on fuel transactions at any fuel station across India. The surcharge waiver applies on a minimum fuel transaction of INR 500 and a maximum of INR 4,000 per transaction. Over a year, this benefit can add up to approximately INR 1,200 in savings, making it a valuable perk for regular commuters.
FEESWhat is the reward redemption fee for the EasySaver Credit Card?
A reward redemption fee of INR 99 plus GST is applicable each time you redeem your accumulated reward points on RBL Bank Credit Cards, including the EasySaver Credit Card. This fee is levied one time for all redemptions made within a single day, regardless of the number of redemptions processed on that day. It is advisable to consolidate your redemptions in a single day to minimize this fee.
USAGEWhat is the Easy Cash feature on the EasySaver Credit Card?
The EasySaver Credit Card offers an 'Easy Cash' feature that allows unlimited ATM cash withdrawals from any ATM in India up to your available cash limit and up to your billing date. A processing fee of 2.5% (minimum INR 500) is applicable on each cash withdrawal. This feature provides financial flexibility when you need immediate cash access. Refer to the Most Important Terms and Conditions (MITC) for complete details on this feature.
REWARDSWhich spending categories are excluded from earning reward points on the EasySaver Credit Card?
Effective October 15, 2024, the following categories are not eligible for reward points on the EasySaver Credit Card: Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous, and Cash transactions. Additionally, effective November 13, 2023, Insurance, Rent Payments, and Wallet Load transactions also do not earn reward points. Categories and MCCs are defined as per VISA guidelines.
REWARDSWhat is the total annual benefit value I can expect from the EasySaver Credit Card?
Based on typical spending patterns, the EasySaver Credit Card can deliver annual benefits worth INR 1,513 or more. This includes approximately INR 200 from the welcome gift (1,000 RPs), INR 20 from education rewards (assuming INR 5,000 spend), INR 52 from bill payment rewards (assuming INR 13,000 spend), INR 41 from general spends rewards (assuming INR 82,000 spend), and up to INR 1,200 from monthly fuel surcharge waivers. Actual benefits will vary based on individual spending.
OTHEROn which network does the EasySaver Credit Card operate?
The RBL Bank EasySaver Credit Card operates on the VISA network. This means the card is accepted at millions of merchant outlets and ATMs globally wherever VISA cards are accepted. The card also comes with Verified by VISA (3D Secure) protection, which adds an extra layer of security for online transactions, helping to safeguard your card against unauthorized usage during digital purchases.
FEESIs there a joining fee for the EasySaver Credit Card?
Yes, the EasySaver Credit Card has a joining fee of INR 499 plus applicable taxes. This is the one-time fee charged at the time of card issuance. A First Year Free variant may also be available, but please note that welcome reward points (1,000 RPs) are not offered on First Year Free cards. The joining fee and annual fee are both set at INR 499, making this an affordable entry-level rewards credit card.
USAGEHow can I redeem the reward points earned on my EasySaver Credit Card?
You can redeem reward points earned on your EasySaver Credit Card through RBL Bank's card management portal. Log in to your online card account or use the RBL MyCard Mobile App to access the 'Redeem Reward Points' section. A redemption fee of INR 99 plus GST is charged per redemption day, regardless of the number of redemptions made. To maximize value, consolidate all your redemptions in a single day to avoid paying multiple redemption fees.
INTERNATIONALDoes the EasySaver Credit Card offer any international or forex benefits?
The EasySaver Credit Card does not have specific forex markup fee details disclosed publicly for this card. It is primarily designed for domestic spends in India, with benefits focused on education, bill payments, fuel surcharge waivers, and general everyday spending. If you frequently travel internationally or make foreign currency transactions, it is advisable to check with RBL Bank directly for applicable forex markup charges before using this card abroad.
APPLICATIONHow do I apply for the RBL Bank EasySaver Credit Card?
You can apply for the RBL Bank EasySaver Credit Card online through the official RBL Bank website by navigating to the Credit Cards section and selecting the EasySaver Credit Card. The application process involves filling in personal and financial details, submitting required documents, and completing verification. You can also visit your nearest RBL Bank branch to apply in person. RBL Bank's online application process is designed to be simple and quick for new applicants.
DOCUMENTSWhat documents are typically required to apply for the EasySaver Credit Card?
While the page does not list specific documents, standard documents required for RBL Bank credit card applications typically include: a valid identity proof (Aadhaar card, PAN card, passport), address proof (utility bill, Aadhaar), recent passport-sized photographs, and income proof such as the latest salary slips or IT returns for salaried and self-employed applicants respectively. It is recommended to check the RBL Bank website or contact customer care for the exact and updated document requirements.
OTHERHow can I report loss or unauthorized use of my EasySaver Credit Card?
If your EasySaver Credit Card is lost, stolen, or used without authorization, you should immediately report it through RBL Bank's official channels. You can report card loss or unauthorized use by visiting the 'Report Loss or Unauthorized Use of Credit Card' section on the RBL Bank website, contacting RBL Bank's customer care helpline, or using the RBL MyCard Mobile App to block your card instantly. Acting quickly helps prevent further unauthorized transactions and limits your liability.

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