RBL Bank Monthly Treats Credit Card

The Bottom Line

Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	2.7%	1.8%	1.3%	0.8%	0.5%
Est. Monthly Reward (₹)	135	180	265	385	540
All-India Rewards Rank*	2	12	42	166	220
Within Bank Rank*	1	2	4	12	17
* 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.

We think the RBL Bank Monthly Treats Credit Card is the best entry level card in India. You can earn a net reward yield of 1.8-2.7% with this card for monthly spending <₹10,000.

It is also the best card from RBL Bank for spends up to ₹20,000. For larger monthly spending, consider the RBL Edition Black Credit Card with a yield of 1.5-1.7%.

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
Card Type	Cashback and Reward
Cashback Features	10% Cashback on: – Groceries – BookMyShow – Swiggy 0.5% Effective reward on: – All Online Spends 0.25% Effective reward on: – All Offline Spends
Milestone Rewards	N/A
Other Rewards	Nil
Rewards Redemption Fee	₹99
Cashback Caps	₹100 p.m. on Grocery, Swiggy, BookMyShow
Preferred Redemption Method	Redeem for e-Vouchers on RBL Reward Portal @₹0.25 / Reward Point

Fees & Charges

Card
Joining Fee		₹900 + Taxes
Annual Fee		₹900 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹36,000
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		47.88% p.a.
Foreign Currency Markup		3.50%
Cash Advance Charge		2.50% with a minimum of ₹300
Card Association		MasterCard

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