RBL Bank ETMONEY LoanPass

The Bottom Line

Low Fee, Low Rewards Caps

2 Reward Points / ₹100 on all spends on weekends, 1 Reward Points on weekdays and 10% Cashback on Amazon, Blinkit, Uber & Zomato.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	2.1%	2.5%	1.5%	0.7%	0.5%
Est. Monthly Reward (₹)	100	245	300	370	500
All-India Rewards Rank*	5	3	34	172	227
Within Bank Rank*	2	1	2	14	19
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

The RBL Bank ETMONEY LoanPass gives 0.50% effective reward on all spending on weekends, 0.25% on all other spending on weekdays and 10% Cashback on Amazon, Blinkit, Uber & Zomato.

We estimate this card can earn you a net reward yield of 1.2-2.1% on spending up to ₹20,000 with the card in a month.

Based on our sample spending profiles, the RBL Bank Edition Black Credit Card has a net reward yield of 1.1 – 1.6% for monthly spending above ₹20,000, which makes it the best credit card from RBL Bank at this level of spending.

It has an annual fee of ₹1,499 which can be waived on reaching annual spending of ₹4 lacs.

The Edition Black is also the best credit cards in India for food delivery. It offers unlimited 10% rewards on all your Zomato & Blinkit orders.

The RBL Bank Monthly Treats Credit Card is the best entry level credit card from RBL Bank. This card can earn you a net reward yield of 1.3-2.7%, if you spend less than ₹20,000 on your card each month. That also makes it one of the best entry level credit cards in India.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	RBL Bank ETMONEY LoanPass
Card Type	Reward + Cashback
Reward/ Cashback Features	2 Reward Points / ₹100 on all spends on weekends 1 Reward Points / ₹100 on all spends on weekdays 10% Cashback on: – Amazon – Blinkit – Uber – Zomato
Milestone Rewards	– 1,000 Reward Points on annual spends of ₹1 Lacs up to 10 times in a year
Other Rewards	1+1 Movie tickets on BookMyShow / mth.
Rewards Redemption Fee	₹99
Reward/ Cashback Caps	– 1,000 reward points on Grocery Txn. / mth. – ₹250 Cashback per statement on Business Essential Spends – 1,000 reward points on Fuel / mth.
Preferred Redemption Method	Redeem on RBL Rewards Portal @₹0.25 / Reward Point on E-vouchers

Fees & Charges

Card		RBL Bank ETMONEY LoanPass
Joining Fee		Nil
Annual Fee		₹499 + Taxes 2nd Year Onwards
Min. Annual Credit Card Spend for Fee Waiver		₹1 Lacs
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		42.00% p.a.
Foreign Currency Markup		3.50%
Cash Advance Charge		2.50% with a minimum of ₹300