MyFinCards
RBL Bank DMI Finance Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 + Taxes

RBL Bank
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.

Official Terms & Conditions

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.

Frequently Asked QuestionsAbout RBL Bank DMI Finance Credit Card

FEESWhat is the joining and annual fee for the RBL Bank DMI Finance Credit Card?
The RBL Bank DMI Finance Credit Card comes with a joining fee of ₹499 and an annual membership fee of ₹499 + GST. The annual fee is charged each year to maintain your card membership. Paying the annual membership fee by the payment due date is also one of the conditions to unlock the welcome benefit of 2,000 Reward Points.
BENEFITSWhat welcome benefits do I get with the RBL Bank DMI Finance Credit Card?
New cardholders receive two welcome benefits: 2,000 Reward Points and an INR 200 BookMyShow voucher. To receive the 2,000 Reward Points, you must use your card within 30 days of card issuance and pay the annual membership fee by the payment due date. The welcome Reward Points are credited within 60 days of card issuance. The INR 200 BookMyShow voucher is available within 7 days of card activation and can be used directly on the BookMyShow app or website.
REWARDSHow many Reward Points do I earn on my spends?
With the RBL Bank DMI Finance Credit Card, you earn 2 Reward Points per INR 100 spent on online transactions and 1 Reward Point per INR 100 spent on in-store purchases. However, there is a cap of 500 Reward Points per billing cycle month. Reward Points earned in a given month are credited to your account within 45 days from the purchase settlement date.
BENEFITSWhat is the monthly movie benefit on the RBL Bank DMI Finance Credit Card?
If you spend INR 5,000 or more in a billing cycle month, you unlock a Buy One Get One (BOGO) offer on movie ticket bookings via BookMyShow, worth up to INR 200. The offer is activated on the next day after the start of your billing cycle and remains valid till the end of that billing cycle. Note that spends in excluded merchant categories such as fuel, utilities, and insurance do not count towards the INR 5,000 threshold.
REWARDSWhat are the milestone rewards available on this card?
The RBL Bank DMI Finance Credit Card offers the following milestone benefits: Spend INR 50,000 in a quarter to earn 2,000 Reward Points; spend INR 2 lakh in a year to receive an INR 500 Amazon voucher; and spend INR 3 lakh in a year to unlock an additional INR 200 Swiggy voucher. Reward Points and vouchers are credited/delivered within 45 days from the date of crossing the respective spending threshold. Excluded merchant categories do not count toward these milestones.
BENEFITSIs there a fuel surcharge waiver on the RBL Bank DMI Finance Credit Card?
Yes, the RBL Bank DMI Finance Credit Card offers a fuel surcharge waiver of up to INR 100 per month. This benefit is valid on fuel purchases ranging from INR 500 to INR 4,000. The waiver will be reflected in your monthly credit card statement. This makes everyday fueling more economical and convenient for cardholders.
FEESWhat is the reward redemption fee for this card?
A reward redemption fee of INR 99 + GST is applicable each time you redeem your Reward Points on the RBL Bank DMI Finance Credit Card. This fee is levied one time for all redemptions made in a single day, regardless of how many redemptions you make that day. You can redeem your Reward Points for air travel, hotel stays, and shopping vouchers at www.rblrewards.com.
REWARDSWhich merchant categories are excluded from earning Reward Points?
Several merchant categories are excluded from earning Reward Points, and also do not count towards the monthly movie benefit or milestone thresholds. These include: Railway, Fuel & Auto, Utilities, Insurance, Quasi-Cash, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversions (Split-N-Pay or EMI conversion at POS/Web/Mobile App). Categories are defined as per network guidelines based on specific Merchant Category Codes (MCCs).
USAGEHow can I redeem my Reward Points earned on the RBL Bank DMI Finance Credit Card?
You can redeem your accumulated Reward Points by visiting www.rblrewards.com. The platform allows you to redeem points for a variety of options including air travel, hotel stays, and shopping vouchers. A redemption fee of INR 99 + GST is charged per redemption day. For full terms and conditions on the rewards program, visit www.rblrewards.com/tnc.
INTERNATIONALIs the RBL Bank DMI Finance Credit Card suitable for international transactions?
The page does not specify a forex markup fee for the RBL Bank DMI Finance Credit Card, and no specific international usage benefits are mentioned. This card appears to be primarily designed for domestic spending, with rewards and benefits focused on online shopping, in-store purchases, movies, fuel, and milestone spends within India. For international usage details, it is advisable to check the Schedule of Charges or contact RBL Bank customer service.
APPLICATIONHow do I apply for the RBL Bank DMI Finance Credit Card?
You can apply for the RBL Bank DMI Finance Credit Card through the RBL Bank official website. The card is a co-branded offering between RBL Bank and DMI Finance Pvt Ltd. You can visit the credit card section on the RBL Bank website and click on the apply option for this card. For grievances or queries related to the application, you can write to cardservices@rbl.bank.in or contact RBL Bank's customer service.
DOCUMENTSWhat documents are typically required to apply for the RBL Bank DMI Finance Credit Card?
While the page does not list specific documentation requirements, standard documents typically required for an RBL Bank credit card application include: a valid government-issued photo ID (Aadhaar, PAN, Passport, or Voter ID), address proof, recent passport-sized photographs, income proof (salary slips, ITR, or bank statements), and PAN card. Exact requirements may vary based on your employment type and profile. It is recommended to contact RBL Bank or visit the bank's website for the complete and updated list of required documents.
ELIGIBILITYWhat are the eligibility requirements for the RBL Bank DMI Finance Credit Card?
The official page does not specify minimum age or income requirements for the RBL Bank DMI Finance Credit Card. Generally, RBL Bank credit cards require applicants to be Indian residents with a stable source of income, a good credit score, and meet minimum age criteria (typically 21 years or above). Since this is a co-branded card with DMI Finance, eligibility norms may vary. It is advisable to check with RBL Bank directly or visit the official website for the most up-to-date eligibility criteria.
OTHERHow can I raise a grievance or complaint about the RBL Bank DMI Finance Credit Card?
In case of any grievance related to your RBL Bank DMI Finance Credit Card, you can write to cardservices@rbl.bank.in. For further unresolved complaints, you may contact RBL Bank's nodal officer as mentioned on the official website. You can also visit the RBI Sachet Portal for regulatory complaints. Additionally, RBL Bank provides options to raise queries or complaints through the 'Raise a Query/Request/Complaint' section on their website.
CANCELLATIONHow do I cancel or close my RBL Bank DMI Finance Credit Card?
The page does not provide specific details on card cancellation. To cancel your RBL Bank DMI Finance Credit Card, you can contact RBL Bank customer care, write to cardservices@rbl.bank.in, or visit your nearest RBL Bank branch. Before cancellation, ensure that all outstanding dues are cleared and any unused Reward Points are redeemed, as they may be forfeited upon closure. It is also advisable to check if any annual fee refund policies apply based on the timing of your cancellation request.

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