TVS Credit RBL Bank
RBL Bank · Checked 2026-10-09
TVS Credit RBL Bank is a paid card focused on shopping rewards, online spending and reward points, charging ₹500 annually before GST.
CardIQ editorial view
Our take
TVS Credit RBL Bank is a paid card focused on shopping rewards, online spending and reward points, charging ₹500 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise online spending.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 2 points per ₹100 on eligible online purchases; 1 on eligible in-store purchases.
- One railway lounge visit per quarter; movie benefit requires ₹10,000 eligible monthly spend.
Trade-offs to understand
- Online earn capped at 1,000 points per month.
- One railway lounge visit per quarter; movie benefit requires ₹10,000 eligible monthly spend.
- The ₹500 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 2 points per ₹100 on eligible online purchases; 1 on eligible in-store purchases valuable enough to clear the fee. Factor in this condition: Online earn capped at 1,000 points per month.
Compare before deciding
- AU Tejas — A similarly priced alternative for comparing shopping rewards and reward points.
- Flipkart Axis Bank SuperElite — A similarly priced alternative for comparing shopping rewards and reward points.
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Benefits, limits and conditions
- Online earn capped at 1,000 points per month.
- One railway lounge visit per quarter; movie benefit requires ₹10,000 eligible monthly spend.