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RBL Bank
RBL Bank BankBazaar SaveMax Credit Card
Visa
RBL Bank BankBazaar SaveMax Credit Card
A lifetime-free entry-level co-brand between RBL Bank and the BankBazaar platform, aimed at first-time cardholders who mainly spend on groceries and everyday essentials. Sourced and serviced through BankBazaar, it carries no joining or annual fee and layers in small dining and movie-ticket cashback perks.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in groceries, dining. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛒 Groceries
5% reward rate (capped ₹1,000/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹15,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Rewards redemption fee: ₹99 + GST redemption fee applies on reward-point redemptions
- Foreign currency markup: 3.5%
- Interest rate: 43.2% p.a.
- Fuel surcharge waiver: Not offered; fuel & auto spends do not earn reward points
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
Benefits
- 5X reward points on grocery spends, up to 1,000 points a month.
- 10% cashback (up to ₹100/month) on Zomato and 10% instant discount (up to ₹100/month) on BookMyShow
Pros
- + Lifetime free, no joining or annual fee
- + 5X points on grocery spending
- + Zomato and BookMyShow discounts
- + Easy approval for first-time applicants
Cons
- − Low base reward rate outside grocery spends
- − No airport lounge access
- − Modest monthly reward caps