RBL Bank Apex Credit Card: rewards, caps and exclusions

What it earns

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Railway bookings
• Fuel
• Utility bills
• Wallet loads
• Cash withdrawals and fees
• Money transfers
• Rent
• Insurance premiums
• Education fees
• Government payments
• EMI conversions

What costs extra

Worse than earning nothing: RBL Bank charges a fee for these.

• 1% on Fee on Rental Transactions, plus GST
• 1% on Fee on Utility Spends, plus GST

Milestones

In RBL Bank's own words:

• "Upon making eligible transactions worth INR 2 lacs or more in one membership year, the Cardmember is eligible for cashback worth INR 1,000" (T&C 3.4 a) → ₹1,000 cashback
• "Upon making eligible transactions worth INR 4 lacs or more in one membership year, Cardmember is eligible for additional cashback worth INR 2,000" (T&C 3.4 b) → ₹2,000 cashback

Fees

• Annual fee: ₹1,000, plus 18% GST
• Joining fee: ₹1,000

Welcome benefit: Swiggy One 3-month membership (stated worth ₹299) + ixigo flight/hotel discount coupon (stated worth ₹599) and other brand coupons on paying the joining fee and meeting a spend condition.

Where this comes from

Transcribed from RBL Bank's own documents and checked against them on 9 October 2026:

• product page, rbl.bank.in
• card T&C, webassets.rbl.bank.in (PDF)
• welcome benefits, webassets.rbl.bank.in (PDF)
• MITC cum KFS, webassets.rbl.bank.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with RBL Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

We know this card's rules, but we don't read RBL Bank's mail yet, so the audit can't check your swipes on it. Which banks we read

Other RBL Bank cards

Every card we have rules for