All cards / RBL Bank
RBL Bank Apex Credit Card
RBL's Apex card is a simple unlimited-cashback play rather than a points-and-transfers card, with unlimited 2% back on flights, hotels and shopping. Lounge access is spend-gated rather than automatic, so it rewards active cardholders more than occasional ones.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in travel, online shopping. It's worth the annual fee mainly if your cashback value clears it.
Rewards & benefits
- Movie & dining: Buy-1-get-1 movie ticket offer on BookMyShow, up to ₹100/month
- Rewards rate: 1% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit per quarter, gated on ₹35,000+ spend in the prior quarter
Benefits by category
- ✈️ Travel
2% reward rate · 1 complimentary domestic lounge visit per quarter with ₹35,000+ spend in the prior quarter.
- 🏨 Hotel
2% unlimited cashback on flights, hotels, shopping and vouchers; 1% on other spends (capped ₹500/month).
- 🛍️ Shopping
2% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: Cashback is credited automatically as statement credit; no redemption fee
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
Benefits
- 2% unlimited cashback on flights, hotels, shopping and vouchers; 1% on other spends (capped ₹500/month).
- ₹1,000 cashback at ₹2 lakh annual spend, additional ₹2,000 at ₹4 lakh.
- 1 complimentary domestic lounge visit per quarter with ₹35,000+ spend in the prior quarter.
- Buy-1-get-1 movie ticket on BookMyShow, up to ₹100/month.
Pros
- + Unlimited 2% cashback on travel and shopping
- + Meaningful milestone cashback
- + Movie ticket offer
Cons
- − Lounge access requires a quarterly spend threshold
- − 1% cashback capped at ₹500/month on general spends
- − No welcome points bonus beyond vouchers