All cards / RBL Bank
RBL Nova Credit Card
An invite-only metal card slotted just below LUMIÈRE, aimed at affluent travellers who want generous lounge access and golf privileges without the ultra-premium price tag. The 6% value-back on flights and hotels is among the stronger travel rates in RBL's lineup.
Annual fee
₹12,500
Joining fee
₹12,500
Reward type
points
Base reward rate
3%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 760+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 3% base rate
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate
- ✈️ Travel
6% reward rate · 12 complimentary domestic and 12 international lounge visits yearly, plus 4 international guest visits.
- 🌍 Forex / international spend
2% forex markup on international transactions
Eligibility
- Minimum credit score: 760
- Minimum monthly income: ₹3,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 2%
- Interest rate: 3.5% p.a.
Benefits
- Welcome gift card worth Rs 12,500 from Taj Experiences or a Luxe Gift Card.
- 12 complimentary domestic and 12 international lounge visits yearly, plus 4 international guest visits.
- 4 golf rounds and 12 complimentary golf lessons every year.
- Rs 10,000 gift card on quarterly spend of Rs 3 lakh or more.
Pros
- + Rich lounge and golf privileges for the price tier
- + Strong 6% value-back on flight and hotel bookings
- + High-value quarterly milestone gift cards
Cons
- − Invite-only issuance
- − Rs 12,500 fee is steep if travel spend is inconsistent