Visa ★ Metal Edition 📡 Contactless NFC

RBL Bank Nova Credit Card

Joining Fee₹12,500

Annual Fee₹12,500

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Frequent international flyers wanting 24 total lounge visits (12 domestic + 12 international with guest passes), 3% travel rewards, and 2:1 transfers to global airline partners.

Who Should Avoid

Users who cannot justify the ₹12,500 annual fee or those seeking direct statement cashback.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

15,000 bonus Reward Points (worth ~₹3,750) upon payment of joining fee and first retail transaction within 30 days

24 Global Airport Lounge Visits + Guest Passes

12 domestic + 12 international complimentary airport lounge visits every year (plus 4 international guest passes).

12 Reward Points per ₹200 on Travel Bookings

Earn 12 Reward Points per ₹200 (3.0% valueback) on flight and hotel bookings with 2:1 air mile transfer ratio to global airlines.

Priority Pass & Travel Insurance

Complimentary Priority Pass membership and comprehensive international travel insurance coverage.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.5

Standard Base Earning

2 Reward Points per ₹200 spent on regular domestic retail purchases (0.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

12 Reward Points per ₹200 (3.0% return; 1 RP = ₹0.50) on Flight and Hotel bookings; 2:1 air mile transfer ratio to leading global airline frequent flyer programs

Points Validity:36 Months

Redemption Fee: ₹0 (Free)

Redemption Modes: 2:1 Airline Mile Transfers to Global Frequent Flyer Programs (Singapore KrisFlyer, British Airways, Qatar Airways), Flight and Hotel Bookings via RBL Travel Portal, Brand Vouchers & Electronics

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits12 complimentary domestic airport lounge visits per calendar year (max 3 per quarter)

🌐

International Lounge Visits12 complimentary international airport lounge visits per calendar year via Priority Pass + 4 guest visits

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver Lifetime Free (₹0)

Annual renewal fee of ₹12,500 + GST applies with ongoing annual bonus miles and lounge privileges

UPI Payments Support✗ Not Supported

UPI not supported on Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹400/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹150,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.99% per month (47.88% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the RBL Bank Nova Credit Card

Annual Fee: ₹12,500/yr (Waivable)

Personalized Card Matcher

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Frequently Asked Questions

No, RBL Bank Nova Credit Card has a joining fee of ₹12500 and an annual renewal fee of ₹12500 (plus applicable taxes).