RBL Bank Aspire Banking Credit Card

RBL Bank · Open to apply

A zero-fee cashback card for RBL Aspire Banking customers: 3% cashback on flights, hotels and vouchers on the RBL Rewards portal, 1% elsewhere (up to ₹1,000 a month), milestone cashback of ₹1,500 and ₹3,000 and a domestic lounge visit each quarter.

Annual fee
Lifetime free
Joining fee
None
Base rate
1% cashback on eligible retail purchases (up to ₹1,000 a billing cycle): 1% in RBL Bank 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

  • 3% cashback on flights, hotels, shop and vouchers on the RBL Bank Rewards portal (no cap): 3% in RBL Bank cashback (about 3% at cash value)

Earns nothing on

  • No cashback on fuel and auto, utilities, insurance, wallet, rent, quasi-cash, education and government services
  • No cashback on railways
  • No cashback on EMI conversions

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 and do not count towards the milestones; neither is a category here.
  • The card is offered only to Aspire Banking customers. Whether a person qualifies (the relationship criteria, a savings account in good standing) is not in the documents read; the banking-relationship yield the page adds ("annual yield of 15.9%": savings and FD interest) is not card value and is not counted.
  • Reward categories follow the networks' MCCs, which RBL does not publish beyond the exclusion table.

Sources

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