Joining Fee

₹1,500

Annual Fee

Rs. 1500 + Taxes

RBL Bank

Rewards

Lifestyle

Travel

Best For: International travelers, Dining enthusiasts, Shoppers looking for quarterly voucher rewards

TVS Credit RBL Bank Gold Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Pros

Welcome bonus of 6,000 reward points on first purchase
5% cashback on EazyDiner for dining
5X reward points on international purchases
Complimentary domestic and international lounge access
Quarterly shopping/dining vouchers worth INR 500
Fuel surcharge waiver up to INR 200/month
Annual milestone bonus of 6,000 reward points
Available on both MasterCard and RuPay networks

Cons

Annual fee of INR 1,500 + GST
Lounge access tied to quarterly spend milestones
Many category exclusions from reward points and milestone benefits

Hidden Catches (Transparency Policy)

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

Welcome benefit applicable only after annual membership fee is paid and purchase made within 30 days

Fuel, utilities, insurance, quasi-cash, railways, real estate, education, wallets, government services, 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 variant not eligible for rewards or benefits

International lounge access requires INR 1 Lac spend per quarter

Domestic lounge access requires minimum INR 50,000 quarterly spend

Key Benefits & Features

Detailed benefits inside

Notable Exclusions

Fuel & Auto excluded from reward points, quarterly and annual milestone benefits, and lounge milestone benefitUtilities 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 transactions 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 benefits

*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 TVS Credit RBL Bank Gold Credit Card

The TVS Credit RBL Bank Gold Credit Card is a co-branded offering designed for those who appreciate premium lifestyle experiences, international travel, and rewarding everyday spending. Available on both Mastercard and RuPay networks, the card carries a joining and annual membership fee of INR 1,500 plus GST, positioning it as an accessible yet feature-rich option for discerning cardmembers. New cardmembers are welcomed with 6,000 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 dining enthusiasts, the card offers 5% cashback on EazyDiner, up to INR 250 per month. Shoppers are rewarded with quarterly vouchers worth INR 500 from Amazon, Flipkart, Swiggy, or Zomato upon spending INR 50,000 in a quarter. International spenders earn 10 Reward Points per INR 100 spent, while all other eligible purchases earn 2 Reward Points per INR 100. Travel perks include one complimentary international airport lounge visit per quarter on spending INR 1 lakh, and up to two complimentary domestic lounge visits per quarter based on quarterly milestones. An annual milestone bonus of 6,000 Reward Points is unlocked on spending INR 2.5 lakh, and a monthly fuel surcharge waiver of up to INR 200 adds further everyday savings.

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