MyFinCards
TVS Credit RBL Bank Credit Card

Joining Fee

₹500

Annual Fee

Rs. 500 + Taxes

RBL Bank
Rewards
Lifestyle
Fuel
Best For: Online shoppers, Movie enthusiasts, Budget-conscious users seeking entry-level benefits

TVS Credit RBL Bank Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,000 /monthly

Pros

  • Low annual fee of INR 500 + GST
  • 2X reward points on online spends
  • Buy 1 Get 1 movie offer on BookMyShow
  • Complimentary railway lounge access each quarter
  • Fuel surcharge waiver up to INR 100/month
  • Welcome bonus of 2,000 reward points
  • Annual milestone bonus of 2,000 reward points
  • Available on both MasterCard and RuPay networks

Cons

  • Online reward points capped at 1,000 points per month
  • Movie offer requires monthly spend milestone of INR 10,000
  • Welcome benefit only valid after annual fee payment and purchase within 30 days
  • Only 1 railway lounge visit per quarter

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 capped at 1,000 per month for online spends

Fuel, utilities, insurance, railways, education, wallets, government services, quasi-cash, real estate, contracted services, cash, miscellaneous, Bills2Pay, and EMI conversions excluded from reward points and milestone benefits

Offline UPI transactions under INR 2,000 at small merchants on RuPay not eligible for rewards or benefits

Revenue sharing arrangement exists between RBL Bank and TVS Credit

Key Benefits & Features

2X Reward Points (2 points per INR 100) on online purchases, capped at 1,000 points/month

1 Reward Point per INR 100 on in-store (offline) purchases

Available on RuPay network with NCMC and UPI Credit Card features

Notable Exclusions

Fuel & Auto transactions excluded from reward points and milestone benefitsUtilities excluded from reward points and milestone benefitsInsurance excluded from reward points and milestone benefitsQuasi-Cash excluded from reward points and milestone benefitsRailways excluded from reward points and milestone benefitsReal Estate/Rental excluded from reward points and milestone benefitsEducation excluded from reward points and milestone benefitsWallets/Service Providers excluded from reward points and milestone benefitsGovernment Services excluded from reward points and milestone benefitsContracted Services excluded from reward points and milestone benefitsCash transactions excluded from reward points and milestone benefitsMiscellaneous excluded from reward points and milestone benefitsBills2Pay utility bill payments excluded from reward points and milestone benefitsEMI conversion of retail transactions (Split-N-Pay & EMI conversion at POS/Web/Mobile App) excluded from reward points and milestone benefitsOffline UPI transactions under INR 2,000 at small merchants (turnover ≤ INR 20 lakh in previous financial year) on RuPay not eligible for rewards, voucher, milestone or any product benefits

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

Official Terms & Conditions

About TVS Credit RBL Bank Credit Card

The TVS Credit RBL Bank Credit Card is a co-branded offering from RBL Bank and TVS Credit, designed to elevate everyday lifestyle experiences with a rewarding mix of shopping perks, entertainment benefits, and travel privileges. Available on both Mastercard and RuPay networks, the card comes at an accessible annual membership fee of just INR 500 plus GST, making it an attractive entry-level option for budget-conscious users who want consistent value from their spending. New cardmembers are welcomed with 2,000 Bonus Reward Points on their first purchase, provided the annual fee is paid and a transaction is made within 30 days of card issuance. For online shoppers, the card offers 2X Reward Points, earning 2 points per INR 100 spent online, capped at 1,000 points monthly. In-store purchases earn 1 Reward Point per INR 100 spent. Movie lovers can enjoy a Buy 1 Get 1 ticket offer on BookMyShow, unlocked upon reaching a monthly spending milestone of INR 10,000. Additional perks include one complimentary Executive Railway Lounge visit per calendar quarter and a fuel surcharge waiver of up to INR 100 per month on eligible fuel transactions. Cardmembers who reach an annual spend of INR 1.5 lakh also receive a bonus of 2,000 Reward Points, rewarding consistent usage throughout the year.

Expert Review

Our Verdict

Entry-level co-brand card with 2X online rewards, movie offers & fuel waiver at just ₹500/year.

Frequently Asked QuestionsAbout TVS Credit RBL Bank Credit Card

FEESWhat is the joining and annual fee for the TVS Credit RBL Bank Credit Card?
The TVS Credit RBL Bank Credit Card comes with a joining fee of ₹500 + GST and an annual membership fee of ₹500 + GST. This makes it an affordable card with a low cost of ownership while still offering a range of lifestyle and rewards benefits.
BENEFITSWhat welcome benefit do I get with the TVS Credit RBL Bank Credit Card?
You receive 2,000 Bonus Reward Points as a welcome gift when you make your first purchase with the card. To avail this benefit, you must pay the annual membership fee and make at least one purchase within 30 days of card issuance. Note that the welcome benefit is applicable only after the annual membership fee is paid. You can check further details on the RBL MyCard mobile app.
REWARDSHow do I earn reward points on online spends with this card?
You earn 2X Reward Points on every ₹100 spent online, which means 2 Reward Points per ₹100. However, the online reward points are capped at 1,000 Reward Points per month. For in-store or offline purchases, you earn 1 Reward Point for every ₹100 spent. Certain categories such as fuel, utilities, insurance, railways, and government services are excluded from reward point benefits.
BENEFITSWhat is the Buy 1 Get 1 movie offer on BookMyShow?
The TVS Credit RBL Bank Credit Card offers a Buy 1 Get 1 movie ticket benefit on BookMyShow, with a discount of up to ₹200 on the complimentary ticket. To unlock this offer, you need to achieve a monthly spending milestone of ₹10,000 in the calendar month. This is a great perk for movie enthusiasts looking to save on entertainment.
BENEFITSHow many complimentary railway lounge visits do I get per quarter?
You are entitled to 1 complimentary Executive Railway Lounge visit per calendar quarter with the TVS Credit RBL Bank Credit Card. This benefit is available across select railway lounges in India. For the complete list of eligible railway lounges and the applicable terms and conditions, you can refer to the RBL Bank official website.
REWARDSWhat is the annual milestone bonus and how do I earn it?
You can earn 2,000 Bonus Reward Points by achieving an annual spending milestone of ₹1.5 lakh (₹1,50,000) on your TVS Credit RBL Bank Credit Card. Please note that spends on excluded categories such as fuel, utilities, insurance, railways, education, government services, cash transactions, and EMI conversions do not count toward the annual milestone.
BENEFITSWhat is the fuel surcharge waiver benefit on this card?
The TVS Credit RBL Bank Credit Card offers a fuel surcharge waiver of up to ₹100 per month on fuel transactions. The waiver is applicable on fuel purchases between ₹400 and ₹5,000 at fuel stations. This benefit helps you save on fuel expenses every month, though it is capped at ₹100 per billing cycle.
REWARDSWhich spending categories are excluded from reward points and milestone benefits?
The following categories are excluded from reward point earnings as well as monthly and annual milestone calculations: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash transactions, Miscellaneous, Bills2Pay, and EMI conversions (including Split-N-Pay and EMI conversion at POS/Web/Mobile App). Categories are defined as per Network guidelines using specific MCCs.
OTHEROn which card networks is the TVS Credit RBL Bank Credit Card available?
The TVS Credit RBL Bank Credit Card is available on both the MasterCard and RuPay networks. You can choose your preferred network at the time of application. The RuPay variant also supports National Common Mobility Card (NCMC) features and allows you to use the credit card on Unified Payment Interface (UPI) for added convenience.
USAGEAre there any special features for the RuPay variant of the TVS Credit RBL Bank Credit Card?
Yes, the RuPay variant of the TVS Credit RBL Bank Credit Card supports National Common Mobility Card (NCMC) functionality and enables RuPay Credit Card on UPI (Unified Payment Interface). However, offline UPI transactions under ₹2,000 made at small merchants (with annual turnover up to ₹20 lakh) will not be eligible for reward points, voucher benefits, milestone benefits, or other product benefits.
APPLICATIONHow can I apply for the TVS Credit RBL Bank Credit Card?
You can apply for the TVS Credit RBL Bank Credit Card online through the RBL Bank official website. You have the option to choose either the MasterCard or RuPay network during the application process. The application can be submitted digitally, and you may need to provide standard KYC documents such as identity proof, address proof, and income documents as required by the bank.
USAGEHow can I redeem my reward points earned on the TVS Credit RBL Bank Credit Card?
You can redeem the reward points accumulated on your TVS Credit RBL Bank Credit Card through the RBL MyCard mobile app or the bank's internet banking portal. The app allows you to check your reward point balance and redeem points for a variety of options. It is recommended to download the RBL MyCard app for seamless management and redemption of your reward points.
REWARDSIs there any cap on the reward points I can earn on online spends?
Yes, the 2X Reward Points earned on online spends are capped at 1,000 Reward Points per month. This means that once you have earned 1,000 points through online transactions in a given month, additional online spends will not earn the 2X bonus. However, you can continue to earn 1 Reward Point per ₹100 on in-store purchases without a monthly cap mentioned.
OTHERHow do I raise a complaint or grievance related to my TVS Credit RBL Bank Credit Card?
In case of any grievance related to your TVS Credit RBL Bank Credit Card, you can write to cardservices@rbl.bank.in. If your issue remains unresolved, you can escalate it to the Nodal Officer through the RBL Bank website. You can also visit the RBI Sachet Portal for further escalation. For reporting loss or unauthorized use of your card, you can use the dedicated card loss reporting service on the RBL Bank website.
INTERNATIONALDoes the TVS Credit RBL Bank Credit Card support international transactions?
The page content does not explicitly mention international usage benefits or a specific forex markup rate for the TVS Credit RBL Bank Credit Card. As this card is primarily designed for domestic lifestyle, rewards, and fuel benefits, it is advisable to contact RBL Bank directly or refer to the card's Schedule of Charges for information on forex markup fees and international transaction terms before using the card abroad.

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