RBL Bank Nova Credit Card
- Updated On: 3 April, 2026
Near the end of 2025, RBL Bank launched two new premium and super-premium credit cards, the Nova Credit Card and the Lumière Credit Card.
The RBL Bank Nova Credit Card is a premium offering that delivers a range of lifestyle and travel benefits. Priced at a joining and annual fee of ₹12,500, it is best suited for frequent travellers. Along with a decent base reward rate, the card offers an accelerated 12 Reward Points per ₹200 spent on flight and hotel bookings made through the dedicated Nova Credit Card booking portals.
Frequent flyers can also take advantage of both domestic and international lounge access and relax before their journeys. For accompanying guests, the card provides complimentary visits abroad, a very handy feature. Beyond travel, it further includes dining discounts and golf privileges.
This is an invite-only credit card. Keep reading for the complete review of the RBL Nova Credit Card.
RBL Bank Nova Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
Accelerated 12 RPs/₹100 Spent for Flights and Hotel Bookings. 4 RPs/₹200 Spent on Eligible Categories
Welcome Benefits
Taj Experiences Or Luxe Gift Card Worth ₹12,500
Rewards and Benefits
Movie & Dining
10% Off at Top Restaurants in India
Rewards Rate
Accelerated 12 RPs/₹100 Spent for Flights and Hotel Bookings. 4 RPs/₹200 Spent on Eligible Categories
Reward Redemption
1 Reward Point = Up to ₹1
Travel
N/A
Domestic Lounge Access
12 Lounge Visits Each Year
International Lounge Access
12 Lounge Visits for Primary Cardholder + 4 Guest Visits Each Year
Golf
4 Golf Rounds and 12 Golf Lessons Each Year
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
N/A
Foreign Currency Markup
2%
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)
Product Details
- The RBL Bank Nova Credit Card is a premium offering.
- This card comes with an annual and joining charge of ₹12,500 + GST.
- Cardholders shall be eligible for Taj/Luxe gift vouchers worth ₹12,500 as a welcome benefit.
- This card offers complimentary domestic and international airport lounge access, along with guests’ visits abroad.
Pros/Cons
Pros
- The Nova Credit Card offers accelerated rewards for flight and hotel bookings.
Cons
- Since the Nova Credit Card offers so many travel and lifestyle-related benefits, it would have been even better if the card also offered zero forex charges on international transactions.
Welcome Benefits
On paying the joining fee, cardholders receive gift vouchers worth ₹12,500 from either Taj or Luxe. This welcome benefit effectively offsets the amount paid for the card.
Nova Credit Card Reward Rate
- Earn 12 Reward Points/₹200 for flight and hotel bookings via the dedicated RBL Nova portal. (Reward Rate ~ 6%)
- Earn 4 Reward Points/₹200 spent elsewhere. (Reward Rate ~ 2%)
- 1 Reward Point = ₹1.
Reward Points Transfer
What makes the card more appealing is the flexibility of its rewards. Nova Reward Points can be transferred to leading global airline loyalty programs, where 2 Reward Points are equal to 1 partner mile or point. This allows cardholders to convert everyday travel spends into airline miles and unlock flight redemptions, upgrades, and premium travel experiences across multiple international carriers.
Nova Reward Points can be transferred to Air India Maharaja Club, Singapore Airlines KrisFlyer, Air Asia Rewards, and Qatar Airways Privilege Club.
Reward Earning Exclusions
The following categories shall not be eligible for rearward earning: Fuel & Auto, utilities, insurance, quasi-cash, real estate/rentals, wallet/service providers, government services, contracted services, cash transactions, miscellaneous spends, Bills2Pay, and EMIs.
Complimentary Airport Lounge Access
RBL Nova Credit Card holders are eligible for complimentary airport lounge access both within India and abroad, 12 free domestic visits, and 12 free international visits.
One of the standout features of this benefit is the four complimentary guest visits available at international lounges.
Milestone Benefits
Cardholders shall be eligible for vouchers worth ₹10,000 on spending ₹3 lakh or more each quarter with the Nova Credit Card.
Golf Benefits
The RBL Nova Credit Card enhances your golfing experience with 4 complimentary golf rounds and 12 free lessons each year. Whether you’re polishing your technique or simply enjoying a refined day on the course, these sessions help you improve your game, build confidence, and make every swing feel a little more effortless.
Bottom Line
Although the card may seem pricey at ₹12,500, it still offers several lifestyle benefits and a strong reward rate for travel. However, when compared to veterans like the HDFC Infinia, it does fall short in a few areas. Still, the RBL Nova marks RBL Bank’s entry into the premium credit card segment. This is also the first time that one can transfer their RBL Credit Card Rewards Points to other hotel and airline partners. With the Nova Credit Card, one can transfer their points to partners like Air Asia, Air India, and Qatar Airways.
More information on this card is awaited, and this page will be updated accordingly.
FAQs:
What is the joining and annual charge of the RBL Nova Credit Card?
The RBL Bank Nova Credit Card comes at a joining and annual charge of ₹12,500 + GST.
Are there any milestone benefits with this card?
Yes, cardholders can earn vouchers worth ₹10,000 on making quarterly spends of ₹3 lakh or above.
What is the value of 1 Reward Point earned with the RBL Nova Credit Card?
1 Reward Point = Up to ₹1.
3 comments
Kshitij Sharma
For a premium card, international usage charges seem on the higher side, which could be a downside for frequent travelers.
Abhinav
How does this card compare to other premium cards in the same price range? Is the RBL Bank Nova Credit Card really the best choice for travel and lifestyle benefits?
Kartik Kanwar
Its not really. At the same price point you have Infinia. Doesnt make sense with you compare with other cards.