Joining Fee
Free
Annual Fee
Rs. 1200 (Reversed on annual spends of Rs. 0.05 Lakhs)
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
*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 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.
Our Verdict
Low monthly fee card with 5x rewards on online spends, 10% cashback on Zomato/Myntra/Uber & milestone vouchers.
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