MyFinCards
NovaTM Credit Card

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

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

Our Verdict

Premium lifestyle card with strong rewards, lounge access, golf benefits & milestone gifts for high spenders.

Frequently Asked QuestionsAbout NovaTM Credit Card

REWARDSHow many reward points do I earn on the NOVA™ Credit Card?
With the NOVA™ Credit Card, you earn 4 Reward Points for every INR 200 spent on general purchases. For flight bookings and hotel stays, you earn an accelerated 12 Reward Points for every INR 200 spent. The best part is that 1 Reward Point equals INR 1 in redemption value, making your points genuinely valuable for redeeming luxury items, travel, jewellery, and more.
REWARDSWhat is the redemption value of NOVA™ Credit Card reward points?
The NOVA™ Credit Card offers an exceptional redemption value where 1 Reward Point equals INR 1. This high redemption rate allows you to use your points for a wide range of premium experiences and products including luxury handbags, travel getaways, and exquisite jewellery. You can also transfer your reward points to leading global airline partner programs, where 2 Reward Points equal 1 Partner Point.
REWARDSWhich categories are excluded from earning reward points on the NOVA™ Credit Card?
Reward points are not earned on transactions in the following categories: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Real Estate/Rental, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI. All other eligible purchases will continue to earn reward points at the standard or accelerated rates applicable to the NOVA™ Credit Card.
BENEFITSWhat welcome benefit do I get with the NOVA™ Credit Card?
As a new NOVA™ Credit Card holder, you receive a welcome gift card worth INR 12,500. This gift card can be redeemed at Taj Experiences or as a Luxe Gift Card, giving you a premium start to your card journey. It is a great way to enjoy luxury hospitality or lifestyle experiences right from the moment you receive your card.
BENEFITSHow many complimentary airport lounge visits do I get with the NOVA™ Credit Card?
The NOVA™ Credit Card provides 12 complimentary airport lounge visits within India and 12 complimentary airport lounge visits outside India per year. Additionally, you get 4 complimentary guest visits at international lounges, so your travel companions can also enjoy the comfort and convenience of lounge access when travelling abroad with you.
BENEFITSWhat is the milestone benefit on the NOVA™ Credit Card?
The NOVA™ Credit Card rewards consistent spending with a quarterly milestone benefit. If you spend INR 3 lakh or more in a calendar quarter, you receive a gift card worth INR 10,000 of your choice. This means you can earn up to INR 40,000 worth of gift cards annually by meeting the quarterly spend threshold, making it a highly rewarding milestone program for regular spenders.
BENEFITSDoes the NOVA™ Credit Card offer golf benefits?
Yes, the NOVA™ Credit Card includes premium golf privileges. Cardholders enjoy 4 complimentary golf rounds every year along with 12 complimentary golf lessons annually. These benefits are designed to help you refine your technique, sharpen your strategy, and enjoy the sport at a higher level. This makes the NOVA™ Credit Card an excellent choice for golf enthusiasts looking to elevate their game.
INTERNATIONALWhat is the foreign transaction fee on the NOVA™ Credit Card?
The NOVA™ Credit Card charges a foreign transaction fee (forex markup) of 2% on cross-border purchases. This is a relatively low rate compared to many other premium credit cards, making it a suitable option for frequent international travellers. Every international transaction is processed conveniently, helping you save more on your overseas spending while still enjoying all the card's premium benefits.
USAGECan I transfer NOVA™ Credit Card reward points to airline partner programs?
Yes, the NOVA™ Credit Card supports seamless transfer of reward points to leading global airline partner programs. The transfer ratio is 2 Reward Points equal 1 Partner Point. This allows frequent flyers to make the most of their accumulated points by converting them into airline miles, potentially unlocking free flights, upgrades, and other travel benefits with partnered airlines.
BENEFITSHow many add-on cards are free with the NOVA™ Credit Card?
The NOVA™ Credit Card offers the first two add-on cards completely free of charge. This allows you to extend the card's rewards, travel perks, and exclusive experiences to your loved ones without any additional cost. Add-on cardholders can enjoy seamless access to the same benefits, making the NOVA™ Credit Card a great choice for families who want to share premium privileges.
FEESWhat are the joining and annual fees for the NOVA™ Credit Card?
Based on currently available information, specific joining and annual fee details for the NOVA™ Credit Card have not been publicly disclosed. It is recommended that you visit the official RBL Bank website or contact RBL Bank's customer service directly to get the most up-to-date information on any applicable fees. You may also refer to the Most Important Terms & Conditions document available on the card's official page.
ELIGIBILITYWhat are the eligibility requirements to apply for the NOVA™ Credit Card?
Specific eligibility criteria such as minimum age and minimum income requirements for the NOVA™ Credit Card are not publicly listed at this time. Generally, RBL Bank credit cards require applicants to be Indian residents with a stable income source and a good credit history. For precise eligibility details, it is advisable to contact RBL Bank's customer care or visit the nearest branch to check your eligibility before applying.
APPLICATIONHow do I apply for the NOVA™ Credit Card?
You can apply for the NOVA™ Credit Card through RBL Bank's official website by navigating to the Credit Cards section and selecting the NOVA™ Credit Card. You can also apply by visiting the nearest RBL Bank branch or contacting RBL Bank customer service. The application process typically requires you to submit identity proof, address proof, income documents, and a recent photograph. Approval is subject to eligibility and credit assessment.
DOCUMENTSWhat documents are required to apply for the NOVA™ Credit Card?
While specific document requirements are not listed on the card page, standard documents typically required for an RBL Bank credit card application include: a valid identity proof (Aadhaar, PAN card, or passport), address proof (utility bill, Aadhaar, or driving licence), recent passport-sized photographs, and income proof such as the last 3 months' salary slips or latest IT returns for self-employed applicants. It is advisable to confirm the exact list with RBL Bank before applying.
CANCELLATIONHow can I cancel or close my NOVA™ Credit Card?
To cancel or close your NOVA™ Credit Card, you can contact RBL Bank's customer care helpline, raise a request through the RBL MyCard mobile app, or submit a written request at your nearest RBL Bank branch. Before cancellation, ensure that all outstanding dues are cleared and any pending reward points are redeemed. Note that cancelling a credit card may have an impact on your credit score, so consider this before proceeding.

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