RBL Bank DMI Finance Credit Card
RBL Bank · Open to apply
A ₹499 rewards card sourced through DMI Finance: 2 reward points per ₹100 online (up to 500 points a month) and 1 in store, 2,000 welcome points and a ₹200 BookMyShow voucher, quarterly and yearly milestones, and a monthly fuel surcharge waiver.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Base rate
- 1 reward point per ₹100 spent in store: 1 RBL Reward Points per ₹100 (about 0.25% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 2 reward points per ₹100 online (up to 500 points a month): 2 RBL Reward Points per ₹100 (about 0.5% at cash value)
Earns nothing on
- No reward points on fuel and auto, utilities, insurance, quasi-cash and cash, rent, education, wallets, government services and EMI conversions
- No reward points on railways
Where the sources disagree
- scope of the 500-point monthly limit: The T&C (3.3) put "subject to a maximum of 500 Reward Points in a billing cycle month" in the sentence on the 2 points per ₹100 online; the page prints "Avail a maximum of 500 Rewards points per billing cycle month" after both the online and in-store rates, which can be read as a limit on all points. The T&C is the more specific document and the limit is entered on the online rule only.
Terms the calculator does not value
- RBL publishes no point value for this card. The calculator uses the ₹0.11 to ₹0.25 range RBL prints on sister cards' pages ("across different categories"); the card's value moves with this figure.
- The monthly BookMyShow Buy One Get One needs ₹5,000 of eligible spend in the cycle and is not valued.
- Contracted services, miscellaneous (5960) and Bills2Pay are excluded from points but are not spend categories of ours, so the calculator still pays points on them.
Sources
- RBL Bank, DMI Finance Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank DMI Finance Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, Platinum Choice Credit Card page (reward point value range, sister card) (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank Rewards terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank MITC 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)