Cards / RBL

Joining fee

Free

Annual fee

₹5,000

Waiver spend

–

Forex markup

3.5%

Fee waiver

No spend-based waiver listed by the bank.

Work it out for this card

How the app counts rewards

• 20 points per ₹100 on international spends (max 2,000 points a month)
• 2 points per ₹100 on other spends (20 per ₹100 on weekend dining)

No rewards on rent.

Airport lounges

• Domestic: 2 visits a quarter

Needs ₹35,000 spend in the previous quarter

Points

Reward Points, worth about ₹0.25 each on the usual redemption. Expire after 2 years.

Checked against the bank's terms. Banks change terms often, so check the latest terms before applying.

Taken from the bank's page. Rules data version 2026.10.04.

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