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RBL Bank Aspire Banking Credit Card

The RBL Aspire Bank Credit Card is designed specifically for Aspire Banking customers and focuses mainly on cashback benefits. You earn 1% cashback on all eligible spends, capped at ₹1,000 per billing cycle. When you shop through the RBL Rewards Portal, you get unlimited 3% cashback, making it the best place to maximise your savings. Cardholders can also earn extra cashback of up to ₹4,500 by spending ₹5 lakh or more in a year.

Besides cashback, the card also packs a few lifestyle perks. You get complimentary domestic airport lounge access within India once you spend ₹35,000 or more in a month. Movie lovers can enjoy a Buy One Get One offer on movie tickets, with savings of up to ₹150 every month. Overall, it’s a simple, rewarding card for everyday use.

RBL Bank Aspire Banking Credit Card

( 4.6 / 5 )
RBL Bank Aspire Banking Credit Card
  • Joining Fee₹1,500 + GST
  • Annual Fee₹1,500 + GST
  • Best Suited ForShopping
  • Reward TypeCashback

Rewards Rate

1% Cashback on All Eligible Transactions Up to ₹1,000 Per Billing Cycle. 3% Cashback on Flights, Hotels, and More Via RBL Rewards

Welcome Benefits

N/A

Movie & Dining

Buy One Get One Free on Movie Ticket Bookings Each Month (Up to ₹150)

Rewards Rate

1% Cashback on All Eligible Transactions Up to ₹1,000 Per Billing Cycle. 3% Cashback on Flights, Hotels, and More Via RBL Rewards

Reward Redemption

Cashback is Transferred to RBL Savings Account

Travel

N/A

Domestic Lounge Access

One Free Lounge Visit Each Quarter (On Spends of ₹35,000 or More)

International Lounge Access

N/A

Golf

N/A

Insurance Benefits

N/A

  • Spend-Based Waiver

    N/A

    Rewards Redemption Fee

    ₹99 + GST

    Foreign Currency Markup

    3.5%

    Interest Rates

    Up to 3.99% Per Month or 47.88% Per Annum

    Fuel Surcharge Waiver

    1% Fuel Surcharge Waiver

    Cash Advance Charges

    2.5% (Minimum ₹500)

    • The RBL Aspire Banking Credit Card is most suited for those looking for a cashback card.
    • This card comes at a joining and annual charge of ₹1,500 + GST.
    • Cardholders can enjoy one complimentary domestic lounge visit each quarter.

    Pros

    • This card can be availed as lifetime free by those with an Aspire Banking relationship.

    Cons

    • 1% base cashback is capped at ₹1,000 per billing cycle, which is quite low.

  • Reward Rate

    • 1% cashback on eligible spends up to ₹1,000 each billing cycle.
    • Unlimited 3% cashback on flights, hotels, shopping, and vouchers, but only when you make these purchases through the RBL Bank Rewards Portal.
    • Cashback will not apply to certain types of transactions, such as railway bookings, fuel purchases, utility payments, wallet loads, rental or real-estate payments, insurance transactions, education payments, government services, contracted services, and cash-related transactions.

    Complimentary Airport Lounge Access

    The RBL Aspire Banking Credit Card offers one complimentary domestic airport lounge visit each quarter on spends of ₹35,000 or more in the previous quarter. Unused airport lounge visits shall not be carried forward.

    Milestone Benefits

    All those who make high spending can take advantage of the milestone benefits offered along with the RBL Aspire Banking Credit Card.

    Spending Cashback
    ₹3 Lakh ₹1,500
    ₹5 Lakh ₹3,000

    Transactions related to Bills2Pay and EMI will not qualify for milestone benefits.

    BOGO on Movie Tickets

    You can enjoy a Buy 1 Get 1 Free offer on movie tickets when you book two or more tickets on BookMyShow. The discount is capped at ₹150 each month.

    RBL Aspire Banking Credit Card Features

    Bottom Line

    The RBL Bank Aspire Banking Credit Card is a good choice if you want a simple card that helps you save on everyday spending. Its biggest highlight is cashback — you earn 1% cashback on regular spends and a strong 3% cashback on flights, hotels, shopping, and vouchers when you use the RBL Rewards Portal. If you spend big during the year, you can unlock extra milestone cashback of up to ₹4,500, which adds more value to the card.

    Aspire Banking customers get the biggest advantage since the card becomes lifetime free for them, making the cashback earnings even more rewarding.

    FAQs:

    There are zero joining and annual charges for the RBL Aspire Banking Credit Card. Others shall be charged ₹1,500 annually for this card.

    Domestic airport lounge access is unlocked after spends of ₹35,000 in the previous quarter.

    1 comment

    • Chetan

      9 months ago Reply

      Just checked out the RBL Bank Aspire Banking Credit Card and it looks pretty solid for regular shoppers. The 1% cashback and the extra 3% on portal spends are good, and the lounge visit is a nice bonus. Seems like a good option if most of your spends are online.

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