Joining Fee

₹5,000

Annual Fee

Rs. 5000 + Taxes

RBL Bank

Rewards

Travel

Lifestyle

Best For: Frequent international travellers, High spenders seeking premium lifestyle benefits, Golf enthusiasts, Luxury shoppers

NovaTM Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹1

Pros

High reward point value: 1 Reward Point = INR 1
Generous lounge access: 12 domestic + 12 international per year
Welcome gift card worth INR 12,500 from Taj or Luxe
Low foreign transaction fee of 2%
Golf rounds and lessons included
Milestone benefit of INR 10,000 gift card on quarterly spend
First two add-on cards are free
Airline partner point transfers available

Cons

Reward points not earned on Fuel & Auto, Utilities, Insurance, Quasi-Cash, Real Estate/Rental, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, EMI

Hidden Catches (Transparency Policy)

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

Multiple categories excluded from reward point accrual including utilities, insurance, fuel, and government services

Key Benefits & Features

Welcome gift card worth INR 12,500 from Taj Experiences or Luxe Gift Card on card issuance

First two add-on cards free of charge

Earn 12 Reward Points per INR 200 spent on flight bookings and hotel stays

Transfer Reward Points to global airline partners at 2 Reward Points = 1 Partner Point

Notable Exclusions

No Reward Points on Fuel & Auto transactionsNo Reward Points on UtilitiesNo Reward Points on InsuranceNo Reward Points on Quasi-Cash transactionsNo Reward Points on Real Estate/RentalNo Reward Points on Wallet/Service ProvidersNo Reward Points on Government ServicesNo Reward Points on Contracted ServicesNo Reward Points on Cash transactionsNo Reward Points on Miscellaneous transactionsNo Reward Points on Bills2PayNo Reward Points on EMI transactions

*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 NovaTM Credit Card

The RBL Bank NOVA™ Credit Card is a premium lifestyle and travel card designed for those who seek luxury, rewards, and effortless indulgence in every experience. From the moment you receive the card, you are welcomed with a gift card worth INR 12,500 from Taj Experiences or a Luxe Gift Card, setting the tone for the refined journey ahead. Cardholders earn 4 Reward Points for every INR 200 spent on general purchases, with each point carrying a full INR 1 redemption value toward luxury handbags, jewellery, and travel experiences. Spending on flight bookings and hotel stays earns an accelerated 12 Reward Points per INR 200, and points can be transferred to leading global airline partners. Quarterly spends of INR 3 lakh or more unlock an additional INR 10,000 gift card, rewarding high spenders consistently. Travel perks include 12 complimentary airport lounge visits both within and outside India, along with 4 complimentary guest visits internationally. Golf enthusiasts enjoy 4 complimentary rounds and 12 golf lessons annually. International shoppers benefit from a reduced 2% foreign transaction fee, while the first two add-on cards come free, extending premium privileges to loved ones. The NOVA™ Credit Card is truly built for those who live, travel, and spend at the highest level.

Expert Review