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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
- Domestic lounge access: 1 complimentary Executive Railway lounge visit per calendar quarter (no airport lounge access)
Benefits by category
- ✈️ Travel
1 complimentary Executive Railway lounge visit per calendar quarter
- 🛍️ Shopping
2% reward rate (capped ₹1,000/monthly)
- ⛽ Fuel
1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 5,000, up to Rs. 100 per month
- 🌍 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
- Rewards redemption fee: ₹99 + GST redemption fee applies on reward-point redemptions
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on fuel spends between Rs. 400 and Rs. 5,000, up to Rs. 100 per month
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
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 on fuel spends between Rs. 400 and Rs. 5,000, up to Rs. 100 per month
- 1 complimentary Executive Railway lounge visit per calendar quarter
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 airport lounge access (railway lounge only)