MyFinCards
RBL Bank MoneyTap Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 2 Lakhs)

RBL Bank
Rewards
Cashback
Shopping
Best For: Online shoppers, Zomato users, Movie lovers, Budget-conscious users looking for a low-fee rewards card

RBL Bank MoneyTap Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • 2x reward points on online purchases
  • Monthly Zomato cashback up to INR 200
  • Free movie tickets every month at BookMyShow
  • Fuel surcharge waiver
  • Low annual fee of INR 499
  • Annual fee waived on INR 2 lakh spend
  • Welcome bonus of 2,000 reward points

Cons

  • No lounge access benefits
  • Reward points not earned on fuel, utilities, insurance, railways, wallet load, government services and several other categories
  • Reward redemption fee of INR 99 + GST per redemption day
  • Card no longer accepting new applications

Hidden Catches (Transparency Policy)

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

Reward points not accrued on fuel, utilities, railways, rental, wallet load, insurance and government services

W.e.f. October 15, 2024, excluded categories also include Fuel & Auto, Quasi-Cash, Real Estate/Rental, Education, Wallet/Service Providers, Contracted Services, Miscellaneous, Cash, Bills2pay and EMI conversions

Excluded spend categories also not counted for milestone and fee waiver benefits from October 15, 2024

Welcome benefit credited within 60 days of card setup; first transaction must be within 30 days

Reward redemption fee of INR 99 + GST applies per redemption day

Key Benefits & Features

Welcome benefit of 2,000 Reward Points on first swipe/activation within 30 days of card setup after payment of annual fee

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 CashNo reward points on MiscellaneousNo reward points on Bills2pay transactionsNo reward points on EMI conversion transactions (Split-N-Pay & EMI conversion at POS/Web/Mobile App)Credit-line/loan spends excluded from accelerated (2x) online reward points

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

Official Terms & Conditions

About RBL Bank MoneyTap Credit Card

The RBL Bank MoneyTap Credit Card is a rewards and cashback-focused card designed for everyday spenders who want consistent value across online shopping, dining, and entertainment. Issued on the Mastercard network with an annual fee of just INR 499, it offers a fee waiver when annual spends cross INR 2 lakhs, making it an attractive option for budget-conscious users seeking meaningful returns without a heavy cost burden. Cardmembers earn 1 reward point per INR 100 on offline purchases and 2 reward points per INR 100 on online transactions, redeemable at rblrewards.com. Monthly benefits include 20% cashback on Zomato orders (up to INR 200 per month) and a complimentary 1+1 movie ticket at BookMyShow every month for weekend shows (up to INR 200). Fuel surcharge waivers of up to INR 100 per month are also available on transactions between INR 500 and INR 4,000. New cardmembers receive 2,000 reward points as a welcome benefit upon first card activation, and a milestone benefit of an INR 1,000 Amazon voucher is unlocked on crossing INR 2.5 lakhs in annual spends. The total estimated annual value of benefits exceeds INR 8,500, making this card a well-rounded choice for online shoppers, Zomato users, and movie enthusiasts alike.

Expert Review

Our Verdict

Entry-level card with 2x online rewards, Zomato cashback, free movies & fuel surcharge waiver.

Frequently Asked QuestionsAbout RBL Bank MoneyTap Credit Card

APPLICATIONIs the RBL Bank MoneyTap Credit Card still accepting new applications?
No, RBL Bank is no longer accepting new applications for the RBL Bank MoneyTap Credit Card. If you are an existing cardholder, you can continue to use your card and enjoy all the associated benefits. For alternative credit card options, you may visit the RBL Bank website or contact customer support.
FEESWhat is the joining and annual fee for the RBL Bank MoneyTap Credit Card?
The RBL Bank MoneyTap Credit Card comes with a joining fee of ₹499 plus applicable taxes and an annual membership fee of ₹499 plus taxes, applicable from the first year onwards. However, the annual fee can be waived off if you spend ₹2 lakhs or more in a year. Note that from October 15, 2024, purchases made on select categories and MCCs will not be considered for the fee waiver benefit.
BENEFITSWhat welcome benefits do I get with the RBL Bank MoneyTap Credit Card?
As a welcome benefit, you earn 2,000 Reward Points on the first swipe or activation of your RBL Bank MoneyTap Credit Card. To be eligible, you must make your first transaction within 30 days of card setup and after payment of the annual fee. The welcome benefit will be credited to your account within 60 days of card setup.
REWARDSHow do reward points work on the RBL Bank MoneyTap Credit Card?
You earn 1 reward point for every ₹100 spent at physical merchant outlets and 2 reward points for every ₹100 spent on online purchases. Credit-line or loan spends are excluded from accelerated rewards. Reward points can be redeemed at www.rblrewards.com. Note that reward points are not earned on fuel, utilities, railways, rental, wallet load, insurance, government services, and several other select categories effective October 15, 2024.
BENEFITSWhat Zomato cashback benefit does the RBL Bank MoneyTap Credit Card offer?
The RBL Bank MoneyTap Credit Card offers 20% cashback on all Zomato orders, with a maximum cashback of ₹200 per month. This means you can save up to ₹2,400 annually on your Zomato orders. The cashback is a monthly recurring benefit, making this card a great choice for frequent food delivery users.
BENEFITSWhat movie benefits are available on the RBL Bank MoneyTap Credit Card?
Cardholders enjoy a complimentary 1+1 free movie ticket every month at BookMyShow, valid for Saturday and Sunday shows. The free ticket is valued at up to ₹200 per month. This benefit can provide an annual saving of up to ₹2,400, making it ideal for weekend moviegoers.
REWARDSIs there a milestone benefit on the RBL Bank MoneyTap Credit Card?
Yes, you can earn an ₹1,000 Amazon voucher upon crossing annual spends of ₹2.5 lakhs in a year. However, effective October 15, 2024, purchases made on select categories and MCCs — such as fuel, utilities, insurance, quasi-cash, education, wallet/service providers, and others — will not be counted towards achieving this milestone benefit.
BENEFITSDoes the RBL Bank MoneyTap Credit Card offer a fuel surcharge waiver?
Yes, the RBL Bank MoneyTap Credit Card offers a waiver of fuel surcharge at all fuel stations in India. The waiver is applicable on fuel transactions between ₹500 and ₹4,000, with a maximum waiver of ₹100 per month. This benefit can help you save up to ₹1,200 annually on fuel expenses. Note that reward points are not earned on fuel transactions.
USAGEIs there a fee for redeeming reward points on the RBL Bank MoneyTap 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 per day, regardless of how many redemptions you make in a single day. You can redeem your reward points at www.rblrewards.com for products and other benefits.
REWARDSOn which categories are reward points NOT earned on the RBL Bank MoneyTap Credit Card?
Reward points are not earned on fuel, utilities, railways, rental, wallet load, insurance, and government services. Additionally, effective October 15, 2024, reward points are also not earned on quasi-cash transactions, real estate/rental, education, wallet/service providers, contracted services, miscellaneous (MCC 5960), cash transactions, Bills2Pay transactions, and EMI conversions of retail transactions (Split-N-Pay and EMI conversion at POS/Web/Mobile App).
OTHEROn which payment networks is the RBL Bank MoneyTap Credit Card available?
The RBL Bank MoneyTap Credit Card is available on both the Mastercard and VISA payment networks. This ensures wide acceptance of the card across domestic and international merchants, both online and at physical stores.
OTHERWho is the co-brand partner for the RBL Bank MoneyTap Credit Card?
The co-brand partner for the RBL Bank MoneyTap Credit Card is MWYN Tech Pvt Limited, which is a recognized digital lending partner with a revenue-sharing arrangement with RBL Bank. The associated digital lending app is the RBL MyCard App. You can find the detailed roles and responsibilities of MWYN Tech Pvt Ltd on the RBL Bank website.
BENEFITSDoes the RBL Bank MoneyTap Credit Card offer lounge access benefits?
No, the RBL Bank MoneyTap Credit Card does not offer any airport lounge access benefits. It is primarily focused on rewards, cashback, and lifestyle benefits such as Zomato cashback, free movie tickets at BookMyShow, fuel surcharge waiver, and an Amazon milestone voucher. If lounge access is important to you, you may want to consider a different RBL Bank credit card.
REWARDSWhat is the total estimated annual value of benefits on the RBL Bank MoneyTap Credit Card?
The total estimated annual value of benefits on the RBL Bank MoneyTap Credit Card is over ₹8,500. This includes ₹500 from the welcome benefit, ₹2,400 from monthly Zomato cashback, ₹1,350 from the reward points program (assuming ₹15,000 in monthly spends), ₹1,000 from the Amazon milestone voucher, ₹1,200 from fuel surcharge waivers, and ₹2,400 from the complimentary movie ticket benefit at BookMyShow.
OTHERHow can I raise a complaint or grievance related to the RBL Bank MoneyTap Credit Card?
For any grievance related to your RBL Bank MoneyTap Credit Card, you can reach out through the Customer Grievance Redressal matrix available on the RBL Bank website. If your issue is not resolved satisfactorily, you may contact the nodal officer as mentioned on the website. You can also visit the RBI Sachet Portal for additional support or report loss or unauthorized use of your card directly through RBL Bank's customer service channels.

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