RBL Bank Apex Credit Card
RBL Bank · Open to apply
A ₹1,000 cashback card (nil with a new RBL savings account): 2% unlimited cashback on flights, hotels, shopping and vouchers bought on the RBL Rewards portal, 1% on other eligible spends up to ₹500 a billing cycle, milestone cashback of ₹3,000 at ₹4 lakh a year and one domestic lounge visit a quarter.
- Annual fee
- ₹1,000 + GST a year
- Joining fee
- ₹1,000 + GST
- Base rate
- 1% cashback on other eligible retail spends (up to ₹500 a billing cycle): 1% cashback (about 1% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹35,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 2% unlimited cashback on flights, hotels, shop and vouchers on the RBL Rewards portal: 2% cashback (about 2% at cash value)
Earns nothing on
- No cashback on fuel and auto, utilities, insurance, miscellaneous, wallet, rent, quasi-cash, cash, education and government services
- No cashback on railways
- No cashback on EMI conversions
Where the sources disagree
- welcome voucher value: The T&C (24 Sep 2026) and the page say welcome vouchers worth ₹1,000 (the page "over INR 1,000"); the welcome benefits guide (28 Nov 2025) says ₹1,797 but prices only two vouchers (Swiggy One ₹299, Ixigo ₹599). We use ₹1,000 from the T&C.
Terms the calculator does not value
- Contracted services (MCCs 1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780) and bills paid through RBL's Bills2Pay facility earn no cashback; neither is a category here.
- Cashback, milestone cashback included, expires 3 months after the month it accrues if not redeemed; the calculator assumes it is redeemed in time.
- Eligibility criteria (age, income) are not in the documents read.
Sources
- RBL Bank, Apex Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Apex Credit Card Terms and Conditions (PDF created 24 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, Most Important Terms and Conditions cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)
- RBL Bank, Apex Credit Card welcome benefits (PDF created 28 Nov 2025) (Reward terms, the bank's own, read 6 Nov 2026)