Cards · RBL Bank

RBL Bank NOVA Credit Card: rewards, caps and exclusions

The RBL Bank NOVA Credit Card pays about 6% on Flight bookings, Hotel bookings and E-Gift Card purchases through nova.rbl.bank.in (online), on the first ₹5,00,000 of spend a month, and 2% on everything else. Below is every rate, cap and exclusion in RBL Bank's published terms, as we last checked them on 9 October 2026.

₹12,500 a yearPaid in points

What it earns

≈6%Flight bookings, Hotel bookings and E-Gift Card purchases through nova.rbl.bank.in (online)on the first ₹5,00,000 of spend a month

≈2%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹1 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

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

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

"Cardmember becomes eligible for a E-Gift Card worth INR 10,000 upon making spends of INR 3 Lakhs or more in a calendar quarter." Choice of Taj Experiences, Tata CLiQ Luxury, MakeMyTrip and Marriott Bonvoy (T&C, Milestone Benefits) → ₹10,000 e-gift card (Taj / MakeMyTrip / Marriott / Tata CLiQ Luxury)
Renewal Benefit: "Cardmembers can choose E-Gift Card of Taj Experiences or Luxe worth INR 12,500" on a retail transaction within 30 days of the anniversary date and payment of the annual fee (T&C) → ₹12,500 Taj / Luxe e-gift card

Fees

Annual fee: ₹12,500, plus 18% GST
Joining fee: ₹12,500
Annual fee waived on ₹10,00,000 of spend in a card year

Welcome benefit: Taj Experiences or Luxe e-gift card ₹12,500 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:

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.