RBL Bank Nova Credit Card
RBL Bank · Open to apply
A ₹12,500 metal card (waived at ₹10 lakh of annual spend) that returns the fee as a ₹12,500 Taj or Luxe gift card each year: 4 points per ₹200 (1 point = ₹1), 12 per ₹200 on flights, hotels and gift cards on the Nova site, 12 domestic and 12 international lounge visits, a ₹10,000 gift card for each quarter of ₹3 lakh spend, golf and a 2% forex markup.
- Annual fee
- ₹12,500 + GST a year
- Joining fee
- ₹12,500 + GST
- Fee waiver
- Annual fee waived on ₹10,00,000 spend per card year
- Base rate
- 4 reward points per ₹200 on eligible spends: 4 Nova Reward Points per ₹200 (about 2% at cash value)
- Lounges
- Domestic: 12 visits a calendar year; International: 12 visits a calendar year
- Forex markup
- 2%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 12 reward points per ₹200 (3X) on flights, hotels and e-gift cards through nova.rbl.bank.in: 12 Nova Reward Points per ₹200 (about 6% at cash value)
Earns nothing on
- No reward points on fuel and auto, utilities, insurance, rent, wallet, quasi-cash, education and government services
- No reward points on railways
- No reward points on EMI conversions
Terms the calculator does not value
- Reward points transfer to airline and hotel partners at 2 reward points = 1 partner point (T&C, page: "leading global airline partners"). The T&C refers to "the above-mentioned program partners" but prints no list, so no transfer option is entered.
- Contracted services (MCCs 1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780) and bills paid through RBL's Bills2Pay facility are excluded from points, the fee waiver and the quarterly gift card; neither is a category here.
- Quarterly gift card: the T&C pays ₹10,000 for ₹3 lakh in a calendar quarter; the calculator counts it each quarter the reader's spend reaches the threshold. The 4 golf rounds and 12 lessons and the dining offer are listed, not valued.
- Foreign-currency markup is 2% per the T&C; the 12 reward points per ₹200 accelerated rate also needs the purchase made on the Nova site.
Sources
- RBL Bank, Nova Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Nova Credit Card Terms and Conditions (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 Credit Cards Rewards Programme terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank press release, Launch of exclusive LUMIÈRE and NOVA credit cards (17 Nov 2025) (Press release, the bank's own, read 6 Nov 2026)