MyFinCards
Monthly Treats Credit Card

Joining Fee

Free

Annual Fee

Rs. 1200 (Reversed on annual spends of Rs. 0.05 Lakhs)

RBL Bank
Lifestyle
Cashback
Rewards
Shopping
Best For: Online shoppers, Food delivery and dining spenders, Budget-conscious lifestyle users, Movie enthusiasts

Monthly Treats Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.2

Pros

  • Low monthly fee of only INR 100 + GST
  • 5x Reward Points on online spends
  • 10% cashback on popular brands like Zomato, Myntra, Uber
  • Monthly fee waiver on spending INR 5,000 in a calendar month
  • Milestone vouchers worth up to INR 6,000 per year
  • BookMyShow movie discount up to INR 300/month
  • Fuel surcharge waiver up to INR 150/month

Cons

  • Card no longer accepting new applications
  • Reward redemption fee of INR 99 + GST applicable
  • Cashback capped at INR 900/month across Zomato, Myntra, Uber
  • Several MCC categories excluded from rewards effective Oct 15, 2024

Hidden Catches (Transparency Policy)

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

Reward redemption fee of INR 99 + GST per redemption day

Monthly fee waiver only if INR 5,000 spent on eligible categories

Cashback limited to INR 300 per brand per month

Milestone vouchers delivered within 45 days of meeting eligible spend criteria

Many MCC categories are not eligible for benefits

Key Benefits & Features

Monthly fee waiver if spend INR 5,000 or more in a calendar month on eligible categories

Notable Exclusions

No reward points/benefits on Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Miscellaneous, Cash, EMI (Split-N-Pay & EMI done during transaction), and Bills2Pay transactions

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

Official Terms & Conditions

About Monthly Treats Credit Card

The RBL Bank Monthly Treats Credit Card is designed to suit your daily lifestyle, offering a host of rewards and savings with a low monthly fee of just INR 100. Tailored for digital-first users, the card delivers meaningful value across food, fashion, travel, and entertainment. Cardmembers earn 1 Reward Point for every INR 100 spent on eligible categories, with 5X Reward Points on online spends, redeemable at up to INR 0.20 per point. A standout feature is the 10% cashback on popular platforms including Zomato, Myntra, and Uber, capped at INR 900 per calendar month. Movie lovers can enjoy a 10% instant discount of up to INR 300 per month on BookMyShow. The card also offers a milestone rewards program where spends of INR 2 lakh and INR 5 lakh in a membership year unlock vouchers worth INR 1,000 and INR 5,000 respectively, redeemable from brands like Amazon, Flipkart, Myntra, Croma, and Shoppers Stop. Additional benefits include a monthly fee waiver on spends of INR 5,000 or more, a fuel surcharge waiver on transactions between INR 500 and INR 4,000, and total annual voucher savings of up to INR 6,000. Note that RBL Bank is no longer accepting new applications for this card, recommending the Cookies Credit Card as an alternative with similar benefits.

Expert Review

Our Verdict

Low monthly fee card with 5x rewards on online spends, 10% cashback on Zomato/Myntra/Uber & milestone vouchers.

Frequently Asked QuestionsAbout Monthly Treats Credit Card

APPLICATIONIs the RBL Bank Monthly Treats Credit Card still available for new applications?
No, RBL Bank is no longer accepting new applications for the Monthly Treats Credit Card. However, RBL Bank has introduced the Cookies Credit Card, which offers similar benefits. Existing cardmembers can continue to use their Monthly Treats Credit Card and enjoy all its associated benefits.
FEESWhat is the monthly fee for the Monthly Treats Credit Card?
The Monthly Treats Credit Card has a monthly membership fee of INR 100 + GST, which amounts to an annual fee of approximately INR 1,200 + GST. This fee is among the lowest in its category. Notably, if you spend INR 5,000 or more on eligible categories in a calendar month, the subsequent month's membership fee of INR 100 + GST is waived.
FEESHow can I get a monthly fee waiver on the Monthly Treats Credit Card?
You can get your monthly membership fee of INR 100 + GST waived for the subsequent month by spending INR 5,000 or more on eligible categories in a calendar month. The waiver is applied automatically when the spending threshold is met. Note that transactions on select Merchant Category Codes (MCCs) such as fuel, utilities, insurance, railways, and others are not considered eligible for this benefit effective October 15, 2024.
REWARDSHow many Reward Points do I earn on the Monthly Treats Credit Card?
You earn 1 Reward Point for every INR 100 spent on eligible categories. For online spends, you earn 5X Reward Points, meaning 5 Reward Points per INR 100 spent online. Each Reward Point can be redeemed at up to INR 0.20 per point. Note that effective October 15, 2024, certain Merchant Category Codes including fuel, utilities, insurance, government services, and others are excluded from earning reward points.
REWARDSWhat cashback benefits does the Monthly Treats Credit Card offer?
The Monthly Treats Credit Card offers 10% cashback on popular brands — Zomato, Myntra, and Uber. This cashback is available on top of any existing discounts you receive on these apps. The maximum cashback is capped at INR 900 per calendar month, with a per-brand limit of INR 300 each for Zomato, Myntra, and Uber. The cashback is reflected in your monthly credit card statement.
BENEFITSWhat milestone benefits are available on the Monthly Treats Credit Card?
The Monthly Treats Credit Card offers milestone vouchers when you reach certain annual spend thresholds. You receive a voucher worth INR 1,000 upon spending INR 2 lakhs in a membership year, and a voucher worth INR 5,000 upon spending INR 5 lakhs in a membership year. Vouchers are available from popular brands like Amazon, Flipkart, Myntra, Croma, and Shoppers Stop. Vouchers are delivered within 45 days of meeting the eligible spend criteria.
BENEFITSWhat is the BookMyShow benefit on the Monthly Treats Credit Card?
The Monthly Treats Credit Card offers a 10% instant discount of up to INR 300 per month on BookMyShow. This benefit can be availed on the BookMyShow app or website. The movie discount is applicable once per calendar month. For complete details and terms and conditions regarding this benefit, you can refer to the official terms and conditions provided by RBL Bank.
BENEFITSDoes the Monthly Treats Credit Card offer a fuel surcharge waiver?
Yes, the Monthly Treats Credit Card offers a fuel surcharge waiver on fuel transactions between INR 500 and INR 4,000. The fuel surcharge reversal is done on a monthly basis, with a maximum waiver of INR 150 per month. The surcharge reversal will be reflected in your monthly credit card statement. Please note that fuel MCC codes are excluded from reward points eligibility effective October 15, 2024.
USAGEIs there a fee to redeem Reward Points on the Monthly Treats Credit Card?
Yes, there is a reward redemption fee of INR 99 + GST applicable when redeeming Reward Points earned on the Monthly Treats Credit Card. This fee has been in effect since August 15, 2022. For redemptions made in a single day, a one-time reward redemption fee will be charged regardless of the number of redemptions made on that day. You can redeem your points at up to INR 0.20 per point.
REWARDSWhich merchant categories are excluded from earning rewards on the Monthly Treats Credit Card?
Effective October 15, 2024, transactions on the following Merchant Category Codes (MCCs) are not eligible for rewards: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Miscellaneous, Cash transactions, EMI (Split-N-Pay & EMI done during transaction), and Bills2Pay transactions. Please refer to Clause 2.12 of the Terms & Conditions for full details.
USAGEHow can I redeem my Reward Points on the Monthly Treats Credit Card?
You can redeem your accumulated Reward Points through the RBL MyCard App, RBL MyBank App, or via RBL Bank's Internet Banking portal. Each Reward Point can be redeemed at up to INR 0.20 per point. A redemption fee of INR 99 + GST applies per redemption day. It is advisable to accumulate sufficient points before redeeming to maximize value, given the applicable redemption fee.
APPLICATIONWhat is the alternative card recommended if I want to apply for a card similar to the Monthly Treats Credit Card?
Since RBL Bank is no longer accepting new applications for the Monthly Treats Credit Card, RBL Bank recommends the Cookies Credit Card as an alternative. The Cookies Credit Card offers similar lifestyle and cashback benefits. You can check the RBL Bank website for complete details on features, fees, and eligibility criteria for the Cookies Credit Card.
REWARDSHow much value can I get from the milestone voucher program in a year?
The Monthly Treats Credit Card offers milestone vouchers worth up to INR 6,000 per membership year. You earn a voucher worth INR 1,000 on spending INR 2 lakhs annually, and an additional voucher worth INR 5,000 on reaching INR 5 lakhs in annual spending. These vouchers can be redeemed at popular brands such as Amazon, Flipkart, Myntra, Croma, and Shoppers Stop, and are delivered within 45 days of qualifying.
USAGECan I pay utility bills using my Monthly Treats Credit Card?
Yes, you can pay various utility bills using the Bills2Pay feature available on the RBL MyCard App, RBL MyBank App, or through RBL Bank's Internet Banking channel. However, please note that Bills2Pay transactions are not considered eligible for earning Reward Points effective October 15, 2024, as per the updated Merchant Category Code exclusions.
FEESWhat are the annual charges associated with the Monthly Treats Credit Card?
The Monthly Treats Credit Card charges a monthly membership fee of INR 100 + GST, totalling approximately INR 1,200 + GST per year. There is no separate joining fee. Additionally, a reward redemption fee of INR 99 + GST is applicable each day you choose to redeem Reward Points. The monthly fee can be waived if you spend INR 5,000 or more on eligible categories in a calendar month.

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