moolahgeeks is no longer being updated. Our recommendations may be outdated and should not be relied upon. Learn more
Update (02 May 2023): RBL Bank has discontinued the Edition Program. W.e.f 15 May 2023, the Edition and Edition Black cards will become inactive and the Bank will replace them with RBL Bank ShopRite Credit Cards. The RBL Bank Edition Black was our recommended credit card for monthly spending above ₹20,000. With this change we no longer recommend a credit card from RBL Bank in this category.
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.
It offers a cashback of 10% on groceries, BookMyShow and Swiggy with a monthly cap of ₹100 on each category. All other online spending earns 0.50% rewards and offline spending earns 0.25% with no caps.
The Monthly Treats card has a monthly fee of ₹75 + taxes, which waived if you spend more than ₹3,000 in a month on the card.
After the Edition Black Credit Card was discontinued, we no longer recommend any credit card from RBL Bank if you charge more than ₹20,000 a month on your card.
The RBL Insignia Preferred Banking Card has a net reward yield of 1.3 – 1.4%, making it the highest yielding credit card from RBL Bank at higher spending levels.
However, we think high spending customers should not settle for a net reward yield less than 2% and therefore we do not recommend the Insignia or any other RBL Bank credit card with a lower net reward yield.
If you spend more than ₹20,000 a month on your card, you should consider getting a credit card from another card company like Axis Bank or SBI Card.
Cards from these providers offer much better reward yields (2.3%+) to high spenders. That difference can add up to thousands of rupees a year for you.
Table 1: All our recommendations
| Monthly Credit Card Spend |
Recommended Credit Cards | Est. Monthly Rewards |
|---|---|---|
| up to ₹20,000 | ₹135 – 265 |
Table 2: Recommended Reward Redemption Options
| Card | Recommended Redemption Method |
|---|---|
| Redeem on RBL Rewards Portal @₹0.25 / Reward Point on E-vouchers |
1.8-4.7% net rewards yield makes this one of the best entry level card by any provider, despite the relatively low reward caps
If you are a RBL Bank customer and you want to get a credit card this guide is for you. We recommend the best credit cards, no matter what your spending level is.
We have friends who have raised maximizing credit card rewards to an art form. However not everyone wants put so much effort tracking deals, discounts, reward caps and spending categories.
Most of us simply want a solution that is easy to manage – good enough, not perfect. If that’s you, you are in the right place.
In our guides for other credit card providers (HDFC Bank, SBI Card etc.) we have also recommended card combos that help you supercharge your rewards without a lot of micromanaging.
However, while RBL Bank offers more than 45 credit cards, juggling more than one of these will not meaningfully increase your rewards.
So we do not recommend any card combos for RBL customers.
Banks and credit card companies in India offer hundreds of credit cards. Each credit card has a different set of rewards and other terms and conditions, which makes it difficult for most of us to figure out which card is best for us.
We cut through this complexity by ranking each card on its Net Reward Yield, which measures the total effective discount you receive in form of rewards, when you charge your expenses to the card.
To calculate the net reward yield of a credit card, we created 5 standardized spending profiles of a typical customer with different income levels. We then simulated the total rewards a customer with each spending profile would get on that card, based on the reward schedule for that card.
Table 3: Standardized Spending Profiles
| Total Monthly Spend in Rs.→ Spend by Category ↓ |
5,000 | 10,000 | 20,000 | 50,000 | 1 lac |
|---|---|---|---|---|---|
| Grocery | 1,250 | 2,000 | 3,000 | 5,000 | 10,000 |
| Dining | 250 | 500 | 1,500 | 4,000 | 8,000 |
| Food Delivery | 250 | 500 | 1,000 | 2,250 | 3,000 |
| Entertainment | 250 | 500 | 1,000 | 1,250 | 2,000 |
| Online Shopping | 250 | 500 | 1,500 | 5,000 | 12,500 |
| Shopping | 250 | 750 | 1,500 | 5,000 | 10,000 |
| Transport | 250 | 500 | 1,000 | 3,750 | 7,500 |
| Utility Bills | 1,250 | 2,000 | 3,000 | 5,000 | 7,500 |
| Online Entertainment | 250 | 250 | 500 | 1,250 | 1,500 |
| Travel | – | 500 | 1,500 | 5,000 | 11,500 |
| Foreign | – | 500 | 1,500 | 5,000 | 11,500 |
| Other | 750 | 1,500 | 3,000 | 7,500 | 15,000 |
| Total | 5,000 | 10,000 | 20,000 | 50,000 | 1 lac |
Our reward calculations attempts to account for different types of rewards (cashback, points, miles etc.), reward caps by spending category, bonuses, fees and differences in realizable value of the rewards depending on how you redeem them (e.g. on Bank website as statement credit vs. for flight bookings).
We prefer cards with higher rewards yields, lower income thresholds and lower fees.
We apply this standardized methodology for every RBL Bank credit card, allowing you to zoom in to the best credit cards for you.
If you’re willing to manage multiple cards, you can supercharge your total rewards compared to using a single card.
However, managing multiple credit cards requires some effort.
At a minimum, you need to:
More work is also required to figure out which card to use where and possibly change the setup on various sites and apps to use a different card.
So while adding more and more cards to the mix can keep increasing the potential benefits (at least for high spenders), we think most people would want to manage another card only if the additional benefit is meaningful and the additional mental load low.
With that in mind we decided to identify sets of 2 credit cards that will work well together for most people i.e. so that you can easily remember which card to use where, meet the minimum spend & other conditions and not lose track of all the admin stuff like paying the bill and getting annual fee waived.
To find the best card combinations, we considered 100’s of card pairs for to figure out the combos that work best with each other to maximize rewards.
In testing a pair of cards, we assumed that only one card will be used for each spending category and it would be the one with the higher rewards in that category.
We think this is reasonable as you only need to know which card to use in which situation and don’t need to keep track of your spending on each card through the month.
We think most people do not want to obsessively track their spend by card and category on a daily basis. So we have tried to avoid a situation where you need to switch from one card to other based on how much you have spent on it during the month, in total or for a specific category. That’s too much work for most people.
As mentioned above, we found that combining multiple cards strategically did not give better rewards with RBL cards. We found that most people would do just fine by selecting our top pick for their spending level and using it for all spending.
You can read more about our credit card recommendation methodology here.
The RBL Bank Monthly Treats Credit Card is the best entry level card from RBL Bank. This card can earn you a net reward yield of 1.3-2.7% on all spending up to ₹20,000.
It offers a cashback of 10% on groceries, BookMyShow and Swiggy with a monthly cashback cap of ₹100 on each category.
This card also offers an effective reward of 0.50% on all online and 0.25% on all offline spending with no caps.
It has a monthly fee of ₹75 + Taxes which waived if you spend more than ₹3,000 in a month.
Table 4: Feature Summary – RBL Bank Monthly Treats Credit Card
| Card | RBL Bank Monthly Treats Credit Card |
|---|---|
| Rewards Features | – 10% Cashback on groceries, BookMyShow and Swiggy
– 2 Reward Points / ₹100 on all online spends – 1 Reward Point / ₹100 on all offline spends |
| Rewards Caps | ₹100 each for grocery, BookMyShow and Swiggy |
| Preferred Redemption Method | Redeem on RBL Rewards Portal @₹0.25 / Reward Point |
| Income Criteria | N/A |
| Annual Fee | ₹900 + Taxes |
| Min. Annual Credit Card Spend for Fee Waiver |
₹36,000 |
| Monthly Spend | Estimated Reward Earned |
| ₹5,000 ₹10,000 ₹20,000 ₹50,000 ₹1,00,000 |
₹135 ₹175 ₹265 ₹385 ₹540 |
The Edition Black Credit Card used to be the best card from RBL Bank if you charged more than ₹20,000 on your card every month. The Edition Black used to earn you a net reward yield of 1.5-1.7% on all your spending.
While a 1.5 – 1.7% net reward yield was not great, it was respectable and could have been considered acceptable once you factored in other benefits like complimentary airport lounge access and Buy-One-Get-One offer on BookMyShow.
With the discontinuation of the Edition program, the Insignia Preferred Banking Card has the highest net reward yield of any card from RBL Bank for those charging more than ₹20,000 a month on their cards.
However, it offers a meagre net reward yield of 1.3 – 1.4% at that level of monthly spending.
You also need a total relationship value with RBL Bank of more than ₹30 lacs to qualify for this card.
We think if you can qualify for the Insignia Preferred, you can get a much better credit card from many other banks and you should not settle for the Insignia.
Our list of the best credit cards in India, at every spending level and from every bank, is here.
All RBL Bank customers with the Edition and Edition Black cards will be getting the ShopRite Credit Card as a replacement.
We estimate the ShopRite Card has a net reward yield of only 0.5 – 0.8% and is not a good replacement for the Edition Black.
Table 6: All RBL Credit Cards Ranked by Rewards Yield
| Monthly Spend → Credit Cards ↓ |
₹5K | ₹10K | ₹20K | ₹50K | ₹100K | Avg. |
|---|---|---|---|---|---|---|
| RBL Bank Monthly Treats | 2.72% | 1.83% | 1.33% | 0.78% | 0.54% | 1.44% |
| Zomato Edition Classic | 1.19% | 1.57% | 1.52% | 1.49% | 1.48% | 1.45% |
| RBL Bank Insignia Preferred Banking World Card | 1.13% | 1.30% | 1.36% | 1.37% | 1.39% | 1.31% |
| RBL Bank BankBazaar SaveMax Credit Card | 1.26% | 1.31% | 1.00% | 0.90% | 0.73% | 1.04% |
| RBL Bank LazyPay | 0.90% | 0.99% | 1.00% | 1.00% | 1.00% | 0.98% |
| RBL Bank Paisabazaar Duet Card | 0.90% | 0.99% | 1.00% | 1.00% | 1.00% | 0.98% |
| Edition Black | -0.68% | 0.62% | 1.41% | 1.56% | 1.47% | 0.88% |
| Platinum ShopDaily SuperCard | 1.20% | 1.00% | 0.58% | 0.50% | 0.50% | 0.76% |
| Platinum ShopSmart SuperCard | 1.20% | 1.00% | 0.58% | 0.50% | 0.50% | 0.76% |
| RBL Bank ShopRite Credit Card | 0.58% | 0.84% | 0.75% | 0.72% | 0.52% | 0.68% |
| Platinum ValuePlus Super Card | 0.40% | 0.50% | 0.66% | 0.74% | 0.75% | 0.61% |
| Classic Platinum Card | 0.45% | 0.52% | 0.54% | 0.55% | 0.56% | 0.52% |
| Binge SuperCard | -0.45% | 1.13% | 0.72% | 0.61% | 0.41% | 0.48% |
| RBL Bank Cookies Credit Card | 0.54% | 0.51% | 0.44% | 0.42% | 0.41% | 0.46% |
| Platinum Bonus SuperCard | -1.67% | 1.04% | 1.44% | 0.96% | 0.48% | 0.45% |
| Platinum LifeEasy SuperCard | -1.73% | -0.17% | 1.24% | 1.24% | 1.25% | 0.37% |
| Platinum Choice SuperCard | 0.32% | 0.33% | 0.32% | 0.32% | 0.32% | 0.32% |
| Platinum TravelEasy SuperCard | -1.27% | 0.50% | 0.66% | 0.74% | 0.75% | 0.28% |
| CA SuperCard | -1.08% | 0.60% | 0.63% | 0.63% | 0.56% | 0.27% |
| RBL Bank BankBazaar SaveMax Credit Card | -1.14% | 0.18% | 0.75% | 0.76% | 0.78% | 0.27% |
| Platinum ShopGain SuperCard | -0.83% | 0.20% | 0.60% | 0.47% | 0.36% | 0.16% |
| MoCash Credit Card | -0.52% | 0.33% | 0.32% | 0.32% | 0.32% | 0.15% |
| RBL Bank paisabazaar DuetPlus Credit Card | -1.54% | -0.11% | 0.87% | 1.00% | 0.50% | 0.14% |
| Freedom SuperCard | -1.17% | 0.49% | 0.46% | 0.45% | 0.38% | 0.12% |
| RBL Bank vCard | -0.61% | 0.25% | 0.25% | 0.25% | 0.25% | 0.08% |
| MoneyTap Card | -0.52% | -0.09% | 0.32% | 0.31% | 0.32% | 0.07% |
| RBL Bank Platinum Maxima Credit Card | -2.16% | -0.37% | 0.77% | 0.92% | 1.06% | 0.04% |
| Doctors SuperCard | -1.04% | -0.18% | 0.39% | 0.47% | 0.48% | 0.02% |
| RBL Platinum Delight Credit Card | -1.22% | -0.34% | 0.50% | 0.50% | 0.50% | -0.01% |
| Platinum Advantage SuperCard | -0.61% | -0.17% | 0.12% | 0.17% | 0.21% | -0.06% |
| Platinum Classic SuperCard | -0.61% | -0.17% | 0.12% | 0.17% | 0.21% | -0.06% |
| Platinum Prime SuperCard | -1.22% | -0.34% | 0.25% | 0.33% | 0.42% | -0.11% |
| Platinum Max SuperCard | -1.22% | -0.34% | 0.25% | 0.33% | 0.42% | -0.11% |
| EasySaver SuperCard | -0.67% | -0.27% | -0.01% | 0.02% | 0.05% | -0.17% |
| BookMyShow RBL Bank Play Credit Card | -0.83% | -0.42% | 0.00% | 0.00% | 0.00% | -0.25% |
| RBL Play | -0.83% | -0.42% | 0.00% | 0.00% | 0.00% | -0.25% |
| Platinum Plus SuperCard | -1.35% | -0.51% | 0.07% | 0.15% | 0.23% | -0.28% |
| MyFirst SuperCard | -1.50% | -0.68% | -0.14% | -0.06% | 0.01% | -0.47% |
| RBL Bank Popcorn Credit Card | -1.67% | -0.83% | -0.25% | -0.17% | -0.08% | -0.60% |
| Platinum Edge SuperCard | -2.76% | -1.07% | 0.06% | 0.21% | 0.37% | -0.64% |
| Moneytap Black Credit Card | -3.83% | -1.49% | -0.01% | 0.15% | 0.27% | -0.98% |
| World Prime SuperCard | -4.37% | -1.84% | -0.11% | 0.13% | 0.31% | -1.18% |
| RBL World Safari Credit Card | -4.59% | -2.01% | -0.23% | 0.03% | 0.29% | -1.30% |
| World Max SuperCard | -4.55% | -2.00% | -0.25% | 0.00% | 0.25% | -1.31% |
| World Plus SuperCard | -7.88% | -3.45% | -0.34% | 0.11% | 0.60% | -2.19% |
| RBL Bank Icon Credit Card | -7.88% | -3.45% | -0.34% | 0.11% | 0.60% | -2.19% |
Table 7: Key Terms for RBL Bank Credit Cards
| Cards | Annual Fee (₹) |
Annual Waiver Spend (₹ ‘000) |
Interest Rate | FX Txn Fee |
|---|---|---|---|---|
| RBL Bank Monthly Treats Credit Card | 900 | 36 | 47.88% | 3.50% |
| Zomato Edition Classic | 500 | – | 47.88% | 3.50% |
| RBL Bank ETMONEY LoanPass | 499 | 100 | – | – |
| RBL Bank Insignia Preferred Banking World Card | – | – | 47.88% | 3.50% |
| RBL Bank BankBazaar SaveMax Credit Card | – | – | – | – |
| RBL Bank LazyPay | – | – | – | – |
| RBL Bank Paisabazaar Duet Card | – | – | – | – |
| Edition Black | 1,499 | 400 | – | 1.50% |
| Platinum ShopDaily SuperCard | 499 | 50 | – | – |
| Platinum ShopSmart SuperCard | 499 | 50 | – | – |
| RBL Bank ShopRite Credit Card | 500 | – | 47.88% | 3.50% |
| Platinum ValuePlus Super Card | 499 | 50 | – | – |
| Classic Platinum Card | – | – | – | – |
| Binge SuperCard | 999 | 100 | – | – |
| RBL Bank Cookies Credit Card | 1,200 | 60 | 47.88% | 3.50% |
| Platinum Bonus SuperCard | 999 | 100 | – | – |
| Platinum LifeEasy SuperCard | 1,999 | 200 | – | – |
| Platinum Choice SuperCard | 499 | 50 | – | – |
| Platinum TravelEasy SuperCard | 999 | 100 | – | – |
| CA SuperCard | 999 | 100 | – | – |
| RBL Bank BankBazaar SaveMax Credit Card | 1,499 | – | – | – |
| Platinum ShopGain SuperCard | 1,499 | 150 | – | – |
| MoCash Credit Card | 500 | 100 | – | – |
| RBL Bank paisabazaar DuetPlus Credit Card | 1,499 | 400 | – | – |
| Freedom SuperCard | 999 | 75 | – | – |
| RBL Bank vCard | 500 | 100 | 47.88% | 3.50% |
| MoneyTap Card | 499 | 200 | – | – |
| RBL Bank Platinum Maxima Credit Card | 2,000 | – | 48.00% | 3.50% |
| Doctors SuperCard | 999 | – | – | – |
| RBL Platinum Delight Credit Card | 1,000 | 200 | 47.88% | 3.50% |
| Platinum Advantage SuperCard | 499 | – | – | – |
| Platinum Classic SuperCard | 499 | – | – | – |
| Platinum Prime SuperCard | 999 | – | – | – |
| Platinum Max SuperCard | 999 | – | – | – |
| EasySaver SuperCard | 499 | – | – | – |
| BookMyShow RBL Bank Play Credit Card | 500 | 150 | 47.88% | 3.50% |
| RBL Play | 500 | 150 | 47.88% | – |
| Platinum Plus SuperCard | 999 | – | – | – |
| MyFirst SuperCard | 999 | – | – | – |
| RBL Bank Popcorn Credit Card | 1,000 | – | 47.88% | 3.50% |
| Platinum Edge SuperCard | 1,999 | – | – | – |
| Moneytap Black Credit Card | 3,000 | – | – | – |
| World Prime SuperCard | 2,999 | – | – | – |
| RBL World Safari Credit Card | 3,000 | – | 47.88% | – |
| World Max SuperCard | 2,999 | – | – | – |
| World Plus SuperCard | 4,999 | – | – | – |
| RBL Bank Icon Credit Card | 5,000 | – | 42.00% | 3.50% |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
