RBL Bank DMI Finance Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 + Taxes

Rewards
Shopping
Lifestyle
Best For: Online shoppers, Movie enthusiasts, Budget-conscious users seeking entry-level rewards

RBL Bank DMI Finance Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹500 /monthly

Pros

  • 2x Reward Points on online spends
  • Monthly Buy One Get One movie benefit on BookMyShow
  • Fuel surcharge waiver up to INR 100/month
  • Quarterly and annual milestone rewards
  • Welcome bonus of 2,000 Reward Points + INR 200 BookMyShow voucher
  • Low annual fee of INR 499

Cons

  • Reward points capped at 500 per billing cycle
  • Reward Redemption fee of INR 99 + GST per redemption day
  • Many merchant categories excluded from rewards (fuel, utilities, insurance, government, etc.)

Hidden Catches (Transparency Policy)

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

Monthly rewards cap of 500 points limits earning potential

Welcome points require fee payment by due date to qualify

EMI conversions (Split-N-Pay) excluded from rewards and milestone calculations

Reward points credited within 45 days from purchase settlement date

Key Benefits & Features

INR 200 BookMyShow voucher on card activation, available within 7 days

Reward Redemption fee of INR 99 + GST per redemption day at www.rblrewards.com

Notable Exclusions

No reward points on Railway transactionsNo 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 EducationNo reward points on Wallet/Service ProvidersNo reward points on Government ServicesNo reward points on Contracted ServicesNo reward points on Cash transactionsNo reward points on MiscellaneousNo reward points on EMI conversions (Split-N-Pay & POS/Web/Mobile App EMI) and Bills2Pay transactions

*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 RBL Bank DMI Finance Credit Card

The RBL Bank DMI Finance Credit Card is an entry-level co-branded card designed to reward everyday shoppers with a blend of online, lifestyle, and entertainment benefits. New cardholders are welcomed with 2,000 Reward Points and an INR 200 BookMyShow voucher upon card activation, giving the experience a rewarding head start. Cardmembers earn 2 Reward Points per INR 100 spent online and 1 Reward Point per INR 100 on in-store purchases, with points redeemable for air travel, hotel stays, and shopping vouchers through the RBL Rewards portal. The card also offers attractive milestone benefits that grow with spending. Shoppers who spend INR 50,000 in a quarter receive 2,000 bonus Reward Points, while annual spends of INR 2 lakh unlock an INR 500 Amazon voucher, and INR 3 lakh in yearly spends earn an additional INR 200 Swiggy voucher. For movie lovers, spending INR 5,000 in a billing cycle unlocks a Buy One Get One offer worth up to INR 200 on BookMyShow. Additionally, the card provides a fuel surcharge waiver of up to INR 100 monthly on transactions between INR 500 and INR 4,000. With a straightforward annual membership fee of INR 499 plus GST, this card delivers consistent value for budget-conscious users seeking meaningful everyday rewards.

Expert Review

Our Verdict

Entry-level rewards card with 2x online points, movie BOGO, fuel waiver & milestone vouchers for savvy shoppers.

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