MyFinCards
RBL Bank QuickPay Credit Card

Joining Fee

₹99

Annual Fee

Rs. 99 + Taxes

RBL Bank
Rewards
Cashback
Best For: UPI users who want to earn rewards on digital payments, Budget-conscious users looking for a low-fee credit card

RBL Bank QuickPay Credit Card

Rewards Structure

Base Reward Rate

0.5% on spends

Point Value

1 Point = ₹0.25

Pros

  • Low annual fee of INR 99
  • Welcome cashback of 20% on first 2 UPI transactions
  • UPI-enabled RuPay credit card for seamless payments
  • Earn reward points on eligible purchases

Cons

  • Only 1 reward point per INR 200 spent (low earn rate)
  • Reward points credited with up to 45-day delay
  • Available only to select existing RBL Bank Credit Cardholders

Hidden Catches (Transparency Policy)

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

Welcome cashback capped at INR 50

Offline UPI transactions under INR 2,000 at small merchants not eligible for rewards

No reward points on Fuel & Auto, Utilities, Insurance, Railways, Real Estate/Rental, Wallet/Service Providers & Miscellaneous

From Oct 15, 2024: Quasi-Cash, Education, Government Services, Contracted Services, Cash & Bills2Pay also excluded from rewards

Annual fee waiver spend threshold excludes multiple merchant categories and EMI conversions

Key Benefits & Features

Link UPI ID and pay via RuPay Credit Card for bills, utility payments, mobile recharge and more

Notable Exclusions

No reward points on Fuel & Auto purchasesNo reward points on UtilitiesNo reward points on InsuranceNo reward points on RailwaysNo reward points on Real Estate/RentalNo reward points on Wallet/Service ProvidersNo reward points on MiscellaneousNo reward points on Quasi-CashNo reward points on EducationNo reward points on Government ServicesNo reward points on Contracted ServicesNo reward points on Cash transactionsNo reward points on Bills2Pay transactionsOffline UPI transactions under INR 2,000 at small merchants (turnover ≤ INR 20 lakh) not eligible for rewards, vouchers, milestone benefits or any product benefits

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

Official Terms & Conditions

About RBL Bank QuickPay Credit Card

The RBL Bank QuickPay Credit Card is a digital-first RuPay credit card designed to make UPI-based payments seamless, rewarding, and affordable. Built for everyday digital transactions, the card allows users to simply link their UPI ID and begin paying instantly, making it an ideal companion for those who prefer cashless, app-based spending. Available exclusively to select existing RBL Bank credit cardholders, it combines convenience with genuine value at a minimal annual membership fee of just INR 99 plus GST. New cardholders are welcomed with 20% cashback on their first two UPI transactions, provided these are completed within 15 days of card issuance and the annual fee is paid by the due date, with cashback capped at INR 50 per transaction. On an ongoing basis, cardholders earn 1 reward point for every INR 200 spent on eligible purchases, redeemable through the RBL rewards portal. Beyond rewards, the card enables UPI payments for a wide range of everyday needs including utility bills and mobile recharges. However, offline UPI transactions under INR 2,000 at small merchants are not eligible for rewards or other product benefits. Certain merchant categories such as fuel, insurance, railways, and government services are also excluded from reward point accrual, making it best suited for users focused on regular online and digital UPI spending.

Expert Review

Our Verdict

Digital-first RuPay credit card for UPI payments with 1 reward point per ₹200 and 20% cashback on first 2 UPI transactio

Frequently Asked QuestionsAbout RBL Bank QuickPay Credit Card

ELIGIBILITYWho is eligible to apply for the RBL Bank QuickPay Credit Card?
The RBL Bank QuickPay Credit Card is available only to select existing RBL Bank Credit Cardholders. It is not open to the general public or new customers. If you are an existing RBL Bank Credit Cardholder, you may receive an invitation or offer to apply for this card. Please check with RBL Bank directly to confirm your eligibility.
FEESWhat is the joining fee and annual fee for the RBL Bank QuickPay Credit Card?
The RBL Bank QuickPay Credit Card comes with a joining fee of ₹99 and an annual membership fee of ₹99 plus applicable GST. This makes it a very affordable credit card option. The annual fee must be paid by the payment due date to be eligible for the welcome benefit of 20% cashback on your first two UPI transactions.
BENEFITSWhat is the welcome benefit on the RBL Bank QuickPay Credit Card?
As a welcome benefit, you can enjoy 20% cashback on your first two UPI transactions made within 15 days of card generation. The cashback is subject to a maximum cap of ₹50. To avail this benefit, you must complete two UPI transactions within 15 days of card issuance and pay the annual membership fee by the payment due date. The welcome cashback will be credited to your account within 60 days from the date of card issuance.
REWARDSHow many reward points do I earn on the RBL Bank QuickPay Credit Card?
You earn 1 reward point for every ₹200 spent on eligible purchases using the RBL Bank QuickPay Credit Card. Note that certain merchant categories do not earn reward points, including Fuel & Auto, Utilities, Insurance, Railways, Real Estate/Rental, Wallet/Service Providers, and Miscellaneous. Additionally, effective October 15, 2024, purchases on Quasi-Cash, Education, Government Services, Contracted Services, Cash, and Bills2Pay categories also do not earn reward points.
REWARDSWhen will my reward points be credited to my account?
Reward points earned on the RBL Bank QuickPay Credit Card in a given month will be credited to your account within 45 days from the purchase settlement date. This means there can be a delay of up to 45 days before you see the reward points reflected in your account. Please plan your redemptions accordingly.
USAGEHow can I redeem reward points earned on the RBL Bank QuickPay Credit Card?
You can redeem your reward points accumulated on the RBL Bank QuickPay Credit Card by visiting the official rewards portal at www.rblrewards.com. For detailed terms and conditions regarding redemption options, point values, and eligible categories, you can refer to www.rblrewards.com/tnc. Make sure your points are credited to your account before initiating a redemption request.
USAGECan I use the RBL Bank QuickPay Credit Card for UPI payments?
Yes, the RBL Bank QuickPay Credit Card is a RuPay credit card that supports UPI transactions. You can link your UPI ID and use it for payments such as utility bills, mobile recharge, and more. However, offline UPI transactions under ₹2,000 made at small merchants (those with a turnover of not more than ₹20 lakh in the previous financial year) will not be eligible for reward points or other product benefits.
REWARDSWhich merchant categories are excluded from earning reward points on this card?
Purchases made on the following merchant categories do not earn reward points: Fuel & Auto, Utilities, Insurance, Railways, Real Estate/Rental, Wallet/Service Providers, and Miscellaneous. Effective October 15, 2024, the following categories were also excluded: Quasi-Cash, Education, Government Services, Contracted Services, Cash, and Bills2Pay. Additionally, offline UPI transactions under ₹2,000 at small merchants are not eligible for reward points or any other product benefits.
INTERNATIONALIs the RBL Bank QuickPay Credit Card valid for international transactions?
The RBL Bank QuickPay Credit Card operates on the RuPay network, which has limited international acceptance compared to Visa or Mastercard. The card does not have a listed forex markup fee, suggesting it may not be primarily designed for international usage. It is best suited for domestic UPI and online transactions within India. For international travel or foreign currency transactions, you may want to consider a different card.
USAGEWhat is Bills2Pay and does it earn reward points?
Bills2Pay is a facility provided by RBL Bank that allows Cardmembers to pay various utility bills through the RBL MyCard App, RBL MyBank App, or Internet Banking channels. Effective October 15, 2024, purchases made via Bills2Pay are not eligible for reward points on the RBL Bank QuickPay Credit Card. This category has been added to the list of excluded merchant categories for reward point accrual.
APPLICATIONHow do I apply for the RBL Bank QuickPay Credit Card?
The RBL Bank QuickPay Credit Card is available only to select existing RBL Bank Credit Cardholders. If you are eligible, you may receive an offer through RBL Bank's official channels such as the RBL MyCard App, Internet Banking, or direct communication from the bank. You can also visit the RBL Bank website or contact customer care to check if you have a pre-approved offer for this card.
OTHERWhat network does the RBL Bank QuickPay Credit Card operate on?
The RBL Bank QuickPay Credit Card operates on the RuPay network. Being a RuPay credit card, it is specifically designed to support UPI-based transactions, making it seamless for digital payments within India. You can link your RuPay credit card to your UPI ID on supported apps and use it for everyday payments like bills, recharges, and online shopping.
OTHERHow do I report loss or unauthorized use of my RBL Bank QuickPay Credit Card?
In case of loss or unauthorized use of your RBL Bank QuickPay Credit Card, you should immediately report it to RBL Bank through their official customer service channels. You can report card loss or unauthorized transactions through the RBL Bank website under 'Credit Card - Report Loss or Unauthorised Use,' or by contacting RBL Bank's customer care helpline. You can also block your card instantly using the RBL MyCard App or by visiting the bank's website.
CANCELLATIONCan I cancel or close my RBL Bank QuickPay Credit Card?
Yes, you can cancel your RBL Bank QuickPay Credit Card by contacting RBL Bank's customer care team or raising a request through the RBL MyCard App or Internet Banking portal. Before cancelling, ensure that all outstanding dues are cleared and any pending reward points are redeemed, as they may lapse upon card closure. For specific steps and policies, it is advisable to refer to the Cardmember Agreement available on the RBL Bank website.
DOCUMENTSWhat documents are required to apply for the RBL Bank QuickPay Credit Card?
Since the RBL Bank QuickPay Credit Card is available only to select existing RBL Bank Credit Cardholders, the documentation requirements may be minimal as your KYC details are already on record with the bank. However, you may be required to confirm your identity and current details. It is recommended to check with RBL Bank directly or refer to the application process communicated to you as part of your eligibility offer for specific document requirements.

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