RBL Bank MyFirst Credit Card
RBL Bank · Open to apply
A ₹999 starter card with a thin base rate (1 reward point per ₹400) and 8 points per ₹400 on education and bill payments, 2,000 welcome points and a ₹100 a month fuel surcharge waiver. The MITC and page give no spend-based fee waiver.
- Annual fee
- ₹999 + GST a year
- Joining fee
- ₹999 + GST
- Base rate
- 1 reward point per ₹400: 1 RBL Reward Points per ₹400 (about 0.06% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 8 reward points per ₹400 on education: 8 RBL Reward Points per ₹400 (about 0.5% at cash value)
- 8 reward points per ₹400 on bill payments: 8 RBL Reward Points per ₹400 (about 0.5% at cash value)
Earns nothing on
- No reward points on insurance, rent, wallet
- No reward points on fuel and auto, quasi-cash, real estate, government services, EMI and cash
- No reward points on railways
- No base reward points on EMI conversions
Terms the calculator does not value
- RBL states a range for the reward point (₹0.11 to ₹0.25 by redemption category) and assumes ₹0.25 in its own tables; it does not say which category pays what. Both ends are entered as redemption options, so the card's value swings with the choice.
- Service providers, contracted services and Bills2Pay (RBL's own bill-payment channel) are named as ineligible but match none of our categories alone; they are not modelled except where a category listed in the exclusion rules already covers them.
- Eligibility (age, income) is not on the card page, the MITC or the schedule of charges.
Sources
- RBL Bank, MyFirst Credit Card page (Product page, 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 Rewards terms and conditions (general) (Reward terms, the bank's own, read 6 Nov 2026)