All cards / RBL Bank
RBL Bank RazorpayX Corporate T&E Card
A startup-friendly corporate travel and expense card built by Razorpay's banking arm on RBL's rails, with unsecured limits up to ₹2 crore, zero fees, and unlimited free employee cards — a modern alternative to a traditional bank's corporate T&E program for younger companies.
Annual fee
₹0
Joining fee
₹0
Reward type
points
Base reward rate
1.33%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to self-employed applicants who clear the standard eligibility bar whose spend is concentrated in travel. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Rewards rate: 1.33% base rate
- Travel: Lower 2.5% forex markup than most business cards, for company-funded business travel
- Domestic lounge access: 2 complimentary domestic lounge visits every calendar quarter
- International lounge access: Not offered
- Insurance benefits: Fraud protection cover up to ₹10 lakh on unauthorised transactions
Benefits by category
- ✈️ Travel
2 complimentary domestic lounge visits every calendar quarter
- 🛡️ Insurance
Fraud protection cover up to ₹10 lakh on unauthorised transactions
- ⛽ Fuel
1% fuel surcharge waiver, capped at Rs. 500 per billing cycle
- 🌍 Forex / international spend
2.5% forex markup, lower than most business cards · 2.5% forex markup on international transactions
Eligibility
- Employment: self-employed
Fees & charges
- Foreign currency markup: 2.5%
- Fuel surcharge waiver: 1% fuel surcharge waiver, capped at Rs. 500 per billing cycle
Benefits
- 2 complimentary domestic lounge visits every calendar quarter
- 2.5% forex markup, lower than most business cards
- Fraud protection cover up to ₹10 lakh on unauthorised transactions
- 2 reward points per Rs. 150 on domestic and 3 points per Rs. 150 on international spends (max 5,000 points per statement cycle); Rs. 99 + GST redemption fee
- 1% fuel surcharge waiver, capped at Rs. 500 per billing cycle
Pros
- + Zero joining and annual fee
- + Unlimited free employee add-on cards
- + Lower-than-usual 2.5% forex markup
- + Up to ₹2 crore unsecured credit for eligible startups
Cons
- − Onboarding runs through RazorpayX, not a direct RBL branch application
- − Requires an active RazorpayX business account