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TVS Credit RBL Bank Credit Card
A no-frills entry-level card issued by RBL Bank under the TVS Credit affinity brand, aimed at TVS's existing two-wheeler and consumer-durable finance customers who want a first credit card with basic online-shopping rewards and EMI conversion on big-ticket purchases.
Annual fee
₹500
Joining fee
₹0
Reward type
points
Base reward rate
1%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🛍️ Shopping
2% reward rate (capped ₹1,000/monthly)
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations, subject to a cap.
- 🌍 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: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 2,000 bonus reward points on the first purchase.
- Buy-one-get-one movie ticket on BookMyShow (up to ₹200 off) after ₹10,000 spent in a month.
- 1% fuel surcharge waiver at all fuel stations, subject to a cap.
Pros
- + No joining fee
- + Simple online-spend reward structure
- + EMI conversion available on large purchases
Cons
- − Reward rate is unremarkable outside the online-shopping bucket
- − No lounge access on the base variant