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RBL Bank
RBL Bank Aspire Banking Credit Card
Visa
RBL Bank Aspire Banking Credit Card
A relationship-banking credit card bundled with RBL's Aspire Banking preferred-banking tier, with the fee waived for qualifying account holders. Its cashback structure rewards portal-based shopping more than everyday card swipes.
Annual fee
₹1,500
Joining fee
₹1,500
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+. It's worth the annual fee mainly if your cashback value clears it.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ✈️ Travel
1 complimentary domestic lounge visit every quarter.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 1% cashback on all eligible spends, capped at Rs 1,000 per billing cycle; unlimited 3% via the RBL Rewards Portal.
- Up to Rs 4,500 extra cashback on annual spends of Rs 5 lakh or more.
- 1 complimentary domestic lounge visit every quarter.
Pros
- + Fee waived for Aspire Banking preferred customers
- + Uncapped 3% cashback via the rewards portal
- + Meaningful annual milestone cashback
Cons
- − Base cashback capped at Rs 1,000/month for non-portal spends
- − Best value tied to holding an Aspire Banking relationship