TVS Credit RBL Bank Credit Card

Joining Fee

₹500

Annual Fee

Rs. 500 + Taxes

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.

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

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.

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