RBL Bank World Plus Credit Card
RBL Bank · Open to apply
A ₹4,999 rewards card with 20,000 welcome points, 2 points per ₹100, 20 points per ₹100 on dining and international spends (capped), 40,000 milestone points, 8 domestic lounge visits and a Priority Pass membership.
- Annual fee
- ₹4,999 + GST a year
- Joining fee
- ₹4,999 + GST
- Base rate
- 2 reward points per ₹100 on eligible spends: 2 RBL Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 8 visits a calendar year after ₹35,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 20 reward points per ₹100 on dining (up to 2,000 points a month): 20 RBL Reward Points per ₹100 (about 5% at cash value)
- 20 reward points per ₹100 on international spends (up to 2,000 points a month): 20 RBL Reward Points per ₹100 (about 5% 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
- RBL values a point at ₹0.11 to ₹0.25 depending on the redemption category and publishes no table; the calculator uses ₹0.25, the value RBL assumes on the card page, so the card's value is at the top of that range. Cashback against the statement needs at least 2,000 points and no cashback value is published for this card.
- The dining and international caps are printed as "per month" with no definition; they are entered per billing cycle, and as two caps (the page may mean one cap shared by both). What a rupee earns past a cap is not stated; the base rate is assumed. The worked table (₹2.5 lakh at 20 points per ₹100 = 50,000 points) ignores the caps.
- Contracted services (MCCs 1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780) and bills paid through RBL's Bills2Pay facility earn no points; neither is a category here.
- Eligibility criteria are not in the documents read.
Sources
- RBL Bank, World Plus 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 Credit Cards Rewards Programme terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)