TVS Credit RBL Bank Gold Credit Card
Joining Fee
Renewal Fee
Best Suited For
Reward Type
|
Welcome Benefits
Movie & Dining
5% cashback upto ₹250 on EazyDiner.
Rewards Rate
10 RP for every ₹100 spent on international purchases; 2 RP for every ₹100 spent on everyday transactions
Reward Redemption
All the RP can be redeemed for vouchers and gift cards on the RBL Rewards Portal; 1 RP = ₹0.25
Travel
N/A
Domestic Lounge Access
1 complimentary domestic airport lounge access every quarter
International Lounge Access
1 complimentary international airport lounge access every quarter
Golf
N/A
Insurance Benefits
N/A
Spend-Based Waiver
N/A
Rewards Redemption Fee
₹99 + GST
Foreign Currency Markup
3.5%
Interest Rates
3.99% per month or 47.88% per annum
Fuel Surcharge
1% fuel surcharge waiver up to ₹100 on transactions between ₹500 to ₹4,000
Cash Advance Charges
2.5% of the cash amount or a minimum of ₹500
- Complimentary lounge access per quarter for domestic and international lounges.
- This card offers NCMC benefits along with easy payments through UPI linking.
- Milestone benefits are also included with this card, along with a fuel surcharge waiver.
Pros
- Get 6,000 Reward Points as a welcome benefit on your first transaction within 30 days of getting the card.
- Receive up to ₹250 cashback on restaurant bills through EazyDiner.
Cons
- No specific travel rewards or insurance benefits are offered.
- The average purchases every quarter are very high for lounge access.
Welcome Benefits
With the TVS Credit RBL Bank Gold Credit Card, users will receive a welcome benefit: 6,000 Reward Points on the first transaction. To avail of this offer, you need to pay the joining fee within 30 days of card issuance. All the welcome points earned can be redeemed for vouchers and gift cards on the RBL Rewards Portal. The value of 1 Reward Point ₹0.25.
Milestone Perks
With the TVS Credit RBL Bank Gold Credit Card, users will earn 6,000 Reward Points on annual spending of ₹2.5 lakhs. These points can be redeemed for vouchers, products, etc, where the value of 1 Reward Point = ₹0.25.
Transactions done on fuel & auto, utilities, insurance, railways, real estate/rental, education, wallets/service providers, government services, contracted services, cash, miscellaneous, Bills2Pay, and EMI conversion of retail transactions will not earn any Reward Points.
Quarterly Benefits
Every quarter, you can earn exciting benefits by reaching a spending milestone of ₹50,000. Once you achieve this goal, you’ll receive a shopping or dining voucher worth ₹500. You can choose from popular apps like Amazon, Flipkart, Swiggy, or Zomato to redeem your rewards.
Reward Rate
The TVS Credit RBL Bank Gold Credit Card offers an impressive reward rate to its users. For international shopping, they will earn 10 Reward Points for every ₹100 spent, and for everyday purchases, the rate is 2 Reward Points per ₹100, making it easy to earn rewards on things you buy regularly.
To use your Reward Points, go to the RBL Rewards Portal. After you log in, you can see your reward points and select how to use them, such as for merchandise, vouchers, or statement credit. Choose your option, and the points will be taken from your total balance.
1 Reward Point = ₹0.25.
Transactions done on fuel & auto, utilities, insurance, railways, real estate/rental, education, wallets/service providers, government services, contracted services, cash, miscellaneous, Bills2Pay, and EMI conversion of retail transactions will not earn any Reward Points.
Airport Lounge Access
The TVS Credit RBL Bank Gold Credit Card offers access to both international and domestic airport lounges. To access one complimentary domestic airport lounge, users need to spend ₹50,000 every quarter and to access two, they need to spend ₹75,000 every quarter.
Under the Priority Pass membership, users can quickly gain access to international airport lounges once every quarter. All they have to do is spend ₹1 lakh every quarter, and you can relax in the international lounge while flying abroad.
Dining Benefits
With the TVS Credit RBL Bank Gold Credit Card, cardholders enjoy dining benefits, including a 5% cashback on their EazyDiner transactions, capped at ₹250 per month. Cardholders can avail of this offer once every month.
Credit Card on UPI
Since the TVS Credit RBL Bank Gold Credit Card is on the RuPay network, users can easily link it with UPI apps like Google Pay, PhonePe, BHIM, etc. to make transactions without carrying a card.
Benefit of NCMC
The TVS Credit RBL Bank Gold Credit Card offers users the perk of making quick payments at metro stations, bus terminals, and more by simply tapping the card on the reader. This card is equipped with the National Common Mobility Card (NCMC) feature, which includes an inbuilt offline wallet that can be quickly loaded.
Fuel Surcharge Waiver
The TVS Credit RBL Bank Gold Credit Card offers a 1% fuel surcharge waiver, allowing you to save up to ₹100 each month on fuel purchases between ₹400 and ₹5,000.
TVS Credit RBL Bank Gold Credit Card Review
The TVS Credit RBL Bank Gold Credit Card is a solid choice for those who love shopping and dining. With a joining fee of ₹1,599 plus taxes, cardholders can enjoy a range of benefits such as a welcome bonus after their first transaction and Reward Points for every ₹100 spent internationally and for everyday expenses.
This card is way better than the TVS Credit RBL Bank Credit Card because of all the perks and rewards it offers. Even though the TVS Credit RBL Bank Gold Credit Card is a little expensive, all the benefits it provides make it worth the money.
FAQs:
Can I access the RBL Rewards Portal easily?
Does this credit card come with insurance benefits?
What types of transactions won’t earn Reward Points?