MyFinCards
RBL Bank MoneyTap Black Credit Card

Joining Fee

₹3,000

Annual Fee

Rs. 3000 + Taxes

RBL Bank
Rewards
Shopping
Lifestyle
Best For: Online shoppers, Movie enthusiasts, Frequent domestic travelers, Milestone spenders

RBL Bank MoneyTap Black Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹500 /monthly

Pros

  • Welcome benefit of 12,000 reward points worth INR 3,000
  • 5x accelerated reward points on online spends
  • Monthly 1,000 bonus reward points on 5+ qualifying transactions
  • Up to 16,000 milestone reward points annually
  • Complimentary airport lounge access (1 per quarter)
  • Movie discount on BookMyShow (15 times a year)
  • Fuel surcharge waiver at all fuel stations

Cons

  • Annual fee of INR 3,000 applicable from first year
  • No longer accepting new applications
  • Reward redemption fee of INR 99 + GST
  • Online spend reward points capped at 500 per month
  • Fuel surcharge waiver capped at INR 100 per month

Hidden Catches (Transparency Policy)

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

Base and accelerated reward points not accrued on fuel, utilities, railways, rental, wallet load, insurance, government services, education, quasi-cash, EMI transactions, and several other MCCs

Monthly benefit transactions on excluded MCCs are not counted

Milestone spend calculation excludes purchases on excluded MCCs/categories

Reward redemption fee charged once per day regardless of number of redemptions

Fuel surcharge waiver valid only for transactions between INR 500 and INR 4,000

Key Benefits & Features

Welcome benefit of 12,000 reward points on first credit card transaction within 30 days of card setup and payment of annual fee

5x reward points (10 points per INR 100) on online spends, capped at 500 reward points per month

Reward redemption fee of INR 99 + GST applicable per day of redemption; redeem at rblrewards.com for travel, hotels, shopping vouchers

Notable Exclusions

No reward points on Fuel & AutoNo reward points on UtilitiesNo reward points on InsuranceNo reward points on Quasi-CashNo reward points on RailwaysNo 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 Miscellaneous (MCC 5960)No reward points on Bills2Pay transactionsNo reward points on EMI Transactions (Split-N-Pay & EMI conversion at POS/Web/Mobile App)

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About RBL Bank MoneyTap Black Credit Card

The RBL Bank MoneyTap Black Credit Card is a rewards-focused Mastercard designed for online shoppers, movie enthusiasts, frequent domestic travelers, and milestone spenders. Issued in partnership with MoneyTap (MWYN Tech Pvt Ltd), this card delivers benefits worth over INR 18,000 annually, making it a strong value proposition for cardholders who actively use their credit card across everyday and lifestyle spending. The card rewards users with 2 reward points for every INR 100 spent on all purchases, with accelerated 5x reward points on online transactions, capped at 500 points per month. Cardholders also earn 1,000 bonus reward points monthly upon completing at least five transactions of INR 1,000 or more. For movie lovers, the card offers a 10% discount on BookMyShow bookings, up to INR 100 per transaction, valid 15 times a year. Complimentary domestic airport lounge access is available once per calendar quarter. The card's milestone program rewards high spenders with 8,000 bonus reward points on annual spends of INR 2.5 lakhs, and an additional 8,000 points upon crossing INR 4 lakhs in annual spends. New cardholders receive 12,000 welcome reward points upon completing their first transaction within 30 days of card setup. A fuel surcharge waiver is also included, valid on transactions between INR 500 and INR 4,000, with a maximum monthly waiver of INR 100. The annual membership fee is INR 3,000 plus applicable taxes.

Expert Review

Our Verdict

Rewards-focused card with 5x online points, movie discounts, lounge access & milestone bonuses up to 16,000 pts.

Frequently Asked QuestionsAbout RBL Bank MoneyTap Black Credit Card

APPLICATIONIs the RBL Bank MoneyTap Black Credit Card still accepting new applications?
No, RBL Bank is no longer accepting new applications for the RBL Bank MoneyTap Black Credit Card. If you are interested in a credit card, you may explore other credit card options available on the RBL Bank website.
FEESWhat is the joining and annual fee for the RBL Bank MoneyTap Black Credit Card?
The RBL Bank MoneyTap Black Credit Card comes with a joining fee of ₹3,000 plus applicable taxes. An annual membership fee of ₹3,000 plus taxes is also applicable from the first year onwards. There is no waiver on the annual fee mentioned for this card.
BENEFITSWhat welcome benefits do I get with the RBL Bank MoneyTap Black Credit Card?
You receive 12,000 reward points worth ₹3,000 as a welcome benefit upon making your first credit card transaction within 30 days of card setup and payment of the annual fee. The welcome benefit will be credited within 60 days of card setup after payment of the Line Setup Fee and the first card transaction within 30 days of card setup.
REWARDSHow do reward points work on the RBL Bank MoneyTap Black Credit Card?
You earn 2 reward points for every ₹100 spent on all regular purchases. For online spends, you get 5x accelerated reward points, i.e., 10 reward points for every ₹100 spent online, capped at 500 reward points per month. Reward points can be redeemed for air travel, hotel stays, shopping vouchers, and more at rblrewards.com.
REWARDSAre there any categories on which reward points are not earned?
Yes, base and accelerated reward points are not accrued on fuel, utilities, railways, rental, wallet load, insurance, government services, education, quasi-cash, real estate/rental, contracted services, cash transactions, EMI transactions, and Bills2Pay transactions. Effective October 15, 2024, these exclusions also apply to monthly benefit and milestone reward calculations.
REWARDSWhat is the monthly bonus reward point benefit on this card?
You can earn 1,000 bonus reward points every month by making at least 5 transactions of ₹1,000 or more in that month. Note that effective October 15, 2024, purchases made on excluded categories/MCCs (such as fuel, utilities, insurance, etc.) will not be counted towards the qualifying 5 transactions for this monthly benefit.
REWARDSWhat milestone rewards can I earn with the RBL Bank MoneyTap Black Credit Card?
You can earn up to 16,000 milestone reward points annually. You get 8,000 reward points on annual spends of ₹2.5 lakhs and an additional 8,000 reward points on crossing annual spends of ₹4 lakhs. Purchases on excluded categories/MCCs are not considered for milestone spend calculations effective October 15, 2024.
BENEFITSDoes the RBL Bank MoneyTap Black Credit Card offer airport lounge access?
Yes, the card offers complimentary access to domestic airport lounges, with up to 1 free visit per calendar quarter. The lounge program is offered by Mastercard. You can visit the RBL Bank website for the complete list of eligible lounges and the detailed terms and conditions of the offer.
BENEFITSWhat movie benefits are available on the RBL Bank MoneyTap Black Credit Card?
Cardholders can enjoy a 10% discount on movie bookings made on BookMyShow, up to ₹100 per transaction. This benefit is available any day of the week and can be availed up to 15 times in a year, providing a total potential saving of up to ₹1,500 annually on movie bookings.
BENEFITSIs there a fuel surcharge waiver on the RBL Bank MoneyTap Black Credit Card?
Yes, the card offers a fuel surcharge waiver at all fuel stations across India. The waiver is valid for fuel transactions between ₹500 and ₹4,000. The maximum fuel surcharge waiver is capped at ₹100 per month. Note that reward points are not earned on fuel transactions.
USAGEIs there a fee to redeem reward points on the RBL Bank MoneyTap Black Credit Card?
Yes, a reward redemption fee of ₹99 plus GST is applicable each time you redeem your available reward points. This fee is levied one time for all redemptions made in a single day. You can redeem your reward points at rblrewards.com for various options including travel, hotel stays, and shopping vouchers.
OTHEROn which payment network does the RBL Bank MoneyTap Black Credit Card operate?
The RBL Bank MoneyTap Black Credit Card operates on the Mastercard network. This means the card is accepted at millions of merchants globally wherever Mastercard is accepted. The complimentary domestic airport lounge access program is also facilitated through the Mastercard network.
BENEFITSWhat is the total annual value of benefits offered by the RBL Bank MoneyTap Black Credit Card?
The RBL Bank MoneyTap Black Credit Card offers benefits worth over ₹18,000 per year. This includes ₹3,000 in welcome benefit reward points, up to ₹4,000 from milestone rewards, ₹3,000 from monthly bonus reward points, ₹1,500 from BookMyShow discounts, ₹1,200 from fuel surcharge waivers, ₹3,200 from lounge access, and additional value from regular and accelerated reward points.
OTHERWho is the co-brand partner for the RBL Bank MoneyTap Black Credit Card?
The co-brand partner for the RBL Bank MoneyTap Black Credit Card is MWYN Tech Pvt Ltd (MoneyTap). There is a revenue sharing arrangement between RBL Bank and MoneyTap for this card. The digital lending app associated with this card is the RBL MyCard App. For detailed roles and responsibilities of the co-brand partner, you can visit the RBL Bank website.
USAGEHow can I redeem the reward points earned on my RBL Bank MoneyTap Black Credit Card?
You can redeem your reward points through the RBL Rewards Program at rblrewards.com. The platform offers redemption options including air travel, hotel stays, and shopping vouchers. A redemption fee of ₹99 plus GST applies per redemption day. You can also manage your card and reward points through the RBL MyCard App or RBL MyBank App.

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