All cards / RBL Bank
TVS Credit RBL Bank Gold Credit Card
The upgraded, fee-paying tier of the TVS Credit x RBL Bank tie-up, adding lounge access, dining cashback and a stronger international rewards rate on top of the base card's everyday-spend structure.
Annual fee
₹1,500
Joining fee
₹1,500
Reward type
points
Base reward rate
2%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 720+ whose spend is concentrated in dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 2% base rate
- Domestic lounge access: 1 complimentary domestic lounge visit per quarter on Rs. 50,000 spend (2 visits on Rs. 75,000 quarterly spend)
- International lounge access: 1 complimentary international lounge visit per calendar quarter on Rs. 1 lakh purchases
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate (capped ₹250/monthly)
- ✈️ Travel
10% reward rate (capped ₹2,000/monthly) · 1 complimentary domestic lounge visit per quarter on Rs. 50,000 spend (2 visits on Rs. 75,000 quarterly spend) and 1 complimentary international lounge visit per quarter on Rs. 1 lakh purchases
- 🌍 Forex / international spend
10 reward points per ₹100 on international spends. · 3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 720
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹1,00,000
- Rewards redemption fee: ₹99 + GST redemption fee applies on reward-point redemptions
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher
Benefits
- 6,000 bonus reward points on the first purchase.
- 1 complimentary domestic lounge visit per quarter on Rs. 50,000 spend (2 visits on Rs. 75,000 quarterly spend) and 1 complimentary international lounge visit per quarter on Rs. 1 lakh purchases
- 5% cashback on EazyDiner up to Rs. 250 per month; quarterly Rs. 500 voucher on Rs. 50,000 spend
- 10 reward points per ₹100 on international spends.
Pros
- + Strong international spend reward rate
- + Dining cashback via EazyDiner
- + Meaningful welcome bonus
Cons
- − ₹1,500 joining and renewal fee is high relative to the benefit set
- − Lounge access is spend-gated, not unconditional