TVS Credit RBL Bank Gold Credit Card
RBL Bank · Open to apply
RBL's TVS Credit Gold co-brand card: 2 Reward Points per ₹100 on domestic spend and 10 per ₹100 on international spend, 6,000 welcome points, 6,000 bonus points at ₹2.5 lakh a year, a ₹500 voucher each ₹50,000 quarter, 5% EazyDiner cashback (up to ₹250 a month) and spend-linked domestic and international lounge visits. Fee ₹1,500.
- Annual fee
- ₹1,500 + GST a year
- Joining fee
- ₹1,500 + GST
- Base rate
- 2 Reward Points per ₹100 on domestic spends: 2 RBL Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- International: 1 visit a calendar quarter after ₹1,00,000 spend; Domestic: 1 visit a calendar quarter after ₹50,000 spend; Domestic: 1 visit a calendar quarter after ₹75,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 5% cashback on EazyDiner (up to ₹250 a month): 5% in EazyDiner cashback on top of the base rate (about 5% at cash value)
- 10 Reward Points per ₹100 on international spends: 10 RBL Reward Points per ₹100 (about 2.5% at cash value)
Earns nothing on
- No Reward Points on domestic fuel and auto, utilities, insurance, quasi-cash, rent, education, wallet loads, government services, cash, EMI
- No Reward Points on domestic railways
Where the sources disagree
- fuel surcharge waiver range: The product page and FAQ say the waiver applies to fuel of ₹400 to ₹5,000; the T&C (3.6) says ₹500 to ₹4,000. The T&C is used.
- second domestic lounge visit unlock: The page and FAQ say a second complimentary domestic lounge visit a quarter comes at ₹75,000 of spend; the T&C (3.5.2) says "additional eligible spends of INR 50,000 ... on reaching INR 75,000 milestone", which can be read as ₹1 lakh in all. We use ₹75,000 (page, FAQ).
Terms the calculator does not value
- The value of a point is "up to ₹0.25" (FAQ) and no document gives a lower figure for any redemption; the card's value is entered at the top of that range, so a holder who redeems for lower-value items gets less.
- The lounge visits unlock on spend in the same calendar quarter (the T&C says "in a calendar quarter"), unlike RBL cards that use the previous quarter; the visit is only available once the spend is reached, which the calculator treats as reachable.
- On the RuPay variant, offline UPI transactions under ₹2,000 at small merchants earn nothing; the calculator cannot tell the merchant size.
- RBL does not state a card-specific forex markup; the issuer default (up to 3.5%) applies.
Sources
- RBL Bank, TVS Credit RBL Bank Gold Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, TVS Credit RBL Bank Gold Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, TVS Credit RBL Bank credit cards FAQs (FAQ, 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)