MyFinCards
TVS Credit RBL Bank Gold Credit Card

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

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.

Expert Review

Our Verdict

Co-branded card with 5% dining cashback, 5X international rewards, lounge access & quarterly vouchers.

Frequently Asked QuestionsAbout TVS Credit RBL Bank Gold Credit Card

FEESWhat is the annual membership fee for the TVS Credit RBL Bank Gold Credit Card?
The TVS Credit RBL Bank Gold Credit Card comes with an annual membership fee of INR 1,500 + GST. The same amount applies as the joining fee. Note that the welcome benefit of 6,000 bonus reward points is applicable only after the annual membership fee is paid and a purchase is made within 30 days of card issuance.
BENEFITSWhat welcome benefit do I get with the TVS Credit RBL Bank Gold Credit Card?
As a welcome benefit, you receive 6,000 Bonus Reward Points on your first purchase with the card. To avail this welcome gift, you must pay the annual membership fee and make a purchase within 30 days from the date of card issuance. You can download the RBL MyCard mobile app for more details on redeeming your welcome bonus.
BENEFITSHow does the dining cashback benefit work on this card?
The TVS Credit RBL Bank Gold Credit Card offers 5% cashback on EazyDiner, capped at INR 250 per month. This makes it a great card for food enthusiasts who frequently dine out or order through EazyDiner. The cashback is applied directly to your eligible EazyDiner transactions each month.
REWARDSWhat quarterly milestone benefits does the card offer?
On achieving a quarterly spend milestone of INR 50,000, you unlock a shopping or dining voucher worth INR 500 of your choice. You can choose from popular platforms including Amazon, Flipkart, Swiggy, or Zomato. Please note that certain merchant categories such as fuel, utilities, insurance, railways, and others are excluded from qualifying spends for this milestone benefit.
BENEFITSHow many complimentary lounge visits am I eligible for per quarter?
For domestic airport lounges, you get 1 complimentary visit per quarter on spending INR 50,000, which increases to 2 complimentary visits if you achieve the INR 75,000 quarterly spend milestone. For international lounges, you are entitled to 1 complimentary visit per calendar quarter upon spending INR 1 lakh in that quarter. Lounge access is tied to quarterly spend milestones.
REWARDSHow many reward points do I earn on international purchases?
The TVS Credit RBL Bank Gold Credit Card offers 5X reward points on international purchases, meaning you earn 10 Reward Points for every INR 100 spent internationally. This is a significantly higher earning rate compared to domestic purchases. Additionally, international purchases are not subject to the category exclusions that apply to domestic transactions for reward points and milestone benefits.
REWARDSHow many reward points do I earn on regular domestic purchases?
For everyday domestic purchases, you earn 2 Reward Points for every INR 100 spent. However, certain merchant categories are excluded from earning reward points, including fuel and auto, utilities, insurance, quasi-cash, railways, real estate/rental, education, wallets/service providers, government services, contracted services, cash, and miscellaneous transactions, as well as EMI conversions and Bills2Pay transactions.
REWARDSIs there an annual milestone bonus available on this card?
Yes, you can earn a bonus of 6,000 Reward Points upon achieving an annual spend milestone of INR 2.5 lakh. This is in addition to the regular reward points earned throughout the year. Similar to other milestone benefits, purchases in excluded categories such as fuel, utilities, insurance, railways, and others do not count towards the annual milestone spend.
BENEFITSDoes the card offer a fuel surcharge waiver?
Yes, the TVS Credit RBL Bank Gold Credit Card offers a fuel surcharge waiver of up to INR 200 per month. This waiver applies to fuel transactions between INR 400 and INR 5,000. Please note that fuel purchases are excluded from earning reward points and from qualifying towards quarterly and annual spend milestones.
OTHEROn which card networks is the TVS Credit RBL Bank Gold Credit Card available?
The TVS Credit RBL Bank Gold Credit Card is available on both the MasterCard and RuPay networks. Cards issued on the RuPay network also support National Common Mobility Card (NCMC) features and RuPay Credit Card on UPI. Note that for RuPay cards, offline UPI transactions under INR 2,000 at small merchants are not eligible for reward points or other product benefits.
REWARDSWhich merchant categories are excluded from reward points and milestone benefits?
The following categories are excluded from reward point earning, quarterly milestone, annual milestone, and lounge milestone benefits: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversions (Split-N-Pay & POS/Web/Mobile App EMI). Importantly, these exclusions do not apply to international purchases.
APPLICATIONHow can I apply for the TVS Credit RBL Bank Gold Credit Card?
You can apply for the TVS Credit RBL Bank Gold Credit Card online through the RBL Bank official website. The card is available to apply on both MasterCard and RuPay networks. Simply choose your preferred network and click the 'Apply Now' button on the card page. You may also visit your nearest RBL Bank branch or contact RBL Bank customer service for assistance with your application.
DOCUMENTSWhat documents are typically required to apply for this credit card?
While specific documents are not listed on the card page, standard credit card application requirements typically include: a valid identity proof (Aadhaar card, PAN card, passport), address proof (utility bill, Aadhaar, passport), income proof (latest salary slips, Form 16, or IT returns for self-employed), and a recent passport-size photograph. You should also ensure your PAN is linked with Aadhaar. Contact RBL Bank or visit a branch for the exact document requirements.
USAGEHow can I redeem the reward points earned on my TVS Credit RBL Bank Gold Credit Card?
You can redeem your accumulated reward points through the RBL MyCard mobile app or RBL MyBank app. The app provides options for redeeming reward points against a variety of products, vouchers, or statement credit. You can also manage your card settings, track your reward points balance, and access other card features through the app. For more details on redemption options and point value, refer to the card's terms and conditions.
OTHERHow do I report loss or unauthorised use of my TVS Credit RBL Bank Gold Credit Card?
If your TVS Credit RBL Bank Gold Credit Card is lost or you notice any unauthorised transactions, you should immediately report it to RBL Bank. You can report card loss or unauthorised use through the RBL Bank website under the 'Report loss of Card or Fraud' section, via the RBL MyCard mobile app by switching off your card, or by contacting RBL Bank customer care. For grievances, you can also write to cardservices@rbl.bank.in.

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