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

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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