RBL Bank List of BC for Credit Card

Charge

• Cash advance fee: 2.5% of cash amount (min ₹500).
• Finance charges (revolving credit & cash advances): up to 3.99% p.m. (up to 47.88% p.a.).
• Secured/RBL Bank Credit Card 2.5% p.m. (30% p.a.).
• Lumiere, Nova & Insignia 3.4% p.m. (40.8% p.a.).
• Dial for Cash Loan Account 3.35% p.m. (40.20% p.a.).
• Late Payment Fee: 12.5% of Total Outstanding Amount, min ₹5 - max ₹1,300 (Dial for Cash LPF slabs w.e.f. 17 Oct 2025: 0-199=₹0; 200-1999=₹100; 2000-4999=₹500; 5000-9999=₹750; above 10000=₹1200).
• Overlimit Fee: NIL.
• GST: 18% on all fees & charges.
• Add-on Card Fees: Lumiere Nil for 3 cards then ₹5,000 one-time per card beyond three.
• Nova Nil for 2 cards then ₹3,000 one-time per card beyond two.
• Insignia & iGlobe Nil.
• Other cards ₹200 per add-on.
• Card Replacement: NIL unless mentioned otherwise.
• Duplicate Statement Fee: NIL.
• Cash Payment at RBL Bank Branches: ₹100 cash deposit charge per transaction.
• Reward Redemption Fee: ₹99 + GST (waived for certain premium cards).
• Cheque Return/Dishonour/Auto Debit Reversal Fee: ₹500.
• Merchant EMI Processing Fee: 1.5% of amount or ₹150 whichever higher.
• Fee on Rental Transactions: 1% (MCC 6513).
• Fee on Utility Spends: 1% on aggregate utility spends above ₹50,000 per month per card (MCC 4900).
• Fee on Fuel and Auto Transactions: 1% on each fuel/auto transaction exceeding ₹10,000, max ₹3000 per transaction (MCCs 0032, 2541, 4001, 5542, 5541, 5172).
• Fee on Education Payments via third-party apps: 1% (MCCs 8220, 8244, 8249, 8211, 8241, 8299).
• No fee via school/college website or POS.
• Fee on FASTag loading and Toll Payment Transactions: w.e.f. January 07, 2026, 1% on transactions above ₹10,000 per transaction per card (MCC 4784, 4111, 4131).

Verified · MITC cum Key Fact Statement for Credit Cards (all RBL Bank credit cards) · 2026-08-05 · source

Interest-free period

• Up to 50 days interest-free (grace) period.
• Not applicable if previous month's balance is not cleared in full or if cash withdrawn from ATM.

Verified · MITC cum Key Fact Statement for Credit Cards (all RBL Bank credit cards) · 2026-08-05 · source

Insurance

• Select Credit Card variants offer complimentary insurance coverage for the Cardmember.
• Policy coverage starts from the date of the Credit Card set up.
• Refer Product Terms & Conditions for nominee details and terms.

Verified · MITC cum Key Fact Statement for Credit Cards (all RBL Bank credit cards) · 2026-08-05 · source

Eligibility

• Credit card is strictly for personal use and must not be used for business transactions or activities such as online forex trading, lotteries, betting, gambling, Bitcoin, virtual currency or any other prohibited purposes.
• If detected the bank reserves the right to terminate the card account.

Verified · MITC cum Key Fact Statement for Credit Cards (all RBL Bank credit cards) · 2026-08-05 · source

Official terms

https://www.rbl.bank.in/list-of-bc-for-credit-card.

Verified · List of BC for Credit Card product page · 2026-08-05 · source