RBL Bank QuickPay Credit Card
- Updated On: 19 June, 2026
RBL Bank has a growing portfolio of credit cards, ranging from co-branded offerings like the RBL Bank ShopRite Credit Card to premium lifestyle cards such as the RBL World Safari. While many of its mid- to premium-tier cards come with travel perks, accelerated rewards, or co-branded advantages, the RBL Bank QuickPay Credit Card is an entry-level credit card priced at ₹99 + GST. It’s positioned to compete with other low-fee, beginner-friendly cards in the market, cards that don’t offer much in terms of lifestyle perks, but serve as good stepping stones to a new line of credit.
Unlike other RBL cards that come with exclusive dining discounts or fuel benefits, this one focuses purely on basic reward points and a simple UPI-linked welcome benefit.
RBL Bank QuickPay Credit Card
( 4.4 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
1 RP/₹200 Spent
Welcome Benefits
20% Cashback on First Two UPI Transactions Within 15 Days of Card Issuance; Capped at ₹50
Rewards and Benefits
Movie & Dining
N/A
Rewards Rate
1 RP/₹200 Spent
Reward Redemption
₹99 + GST
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
Redeem Rewards at RBL Rewards. 1 RP = ₹0.25.
Foreign Currency Markup
3.5%
Interest Rates
Up to 3.99% per Month (47.88% per Annum)
Fuel Surcharge Waiver
1%
Cash Advance Charges
2.5% or ₹500 Whichever is Lower
Product Details
A low-entry-level credit card by RBL Bank, ideal for beginners or those looking to build their credit profile while earning basic reward points on regular spending.
Pros/Cons
Pros
- Low joining fee of ₹99 + GST
- 20% UPI cashback welcome offer for new users
- Simple rewards structure: 1 RP for every ₹200 spent
Cons
- No added benefits such as lounge access, dining, travel, or insurance perks
Welcome Benefits
The card requires a one-time fee of ₹99 + GST to join. It offers a 20% cashback on your first 2 UPI transactions, done within 15 days of activation, with a cap of ₹50. To claim the welcome benefits, simply:
- Make two UPI transactions within 15 days of receiving the card, and
- Pay the annual membership fee by the due date.
After completing these steps, the cashback will be credited to your account within 60 days from the card’s issuance.
Reward Point Earning and Redemption
The rewards system on this credit card is very simple. For each eligible/valid transaction you make, you earn 1 reward point for every ₹200 spent.
The following is a list of excluded categories for reward point accrual:
- Fuel & Auto
- Utilities
- Insurance
- Quasi-Cash
- Railways
- Real Estate/Rental
- Education
- Wallets/Service Providers
- Government Services
- Contracted Services
- Cash
- Other Miscellaneous categories.
- EMI conversion of retail transactions (Including SplitN-Pay and EMI conversion requests submit during transactions at POS/Web/Mobile App)
- Offline UPI transactions below ₹2,000 made at small merchants.
Reward points accumulated can be redeemed on the RBL Rewards platform for options such as flights, hotel bookings, shopping, vouchers, recharges, or you can choose to donate your points.
Reward points, once collected, are valid for 24 months. For complete terms and conditions regarding reward points and their redemption, please refer to this.
Bottom Line
The RBL Bank QuickPay Credit Card is a simple, beginner-friendly choice featuring a low joining fee and a simple rewards system. If you’re looking to kickstart your credit journey and are satisfied with limited benefits, it serves its purpose well. However, for higher reward points, travel perks, or lifestyle privileges, consider exploring RBL’s mid-tier or co-branded cards.
FAQs:
How do I get the welcome cashback?
Make two UPI transactions within 15 days of card issuance and pay the joining fee. Cashback will be credited within 60 days.
How many reward points can I earn with this card?
You earn 1 Reward Point for every ₹200 spent on eligible transactions.
How can I redeem my reward points?
Points can be redeemed for flights, hotels, shopping vouchers, mobile recharges, or donated to charity via the RBL Rewards website.
Does this card offer lounge access or travel perks?
No. It’s a basic credit card without lifestyle or travel benefits.
3 comments
Mehulkumar S Joshi
UPI Card REQUIRED
Kartik Kanwar
Go for Axis SuperMoney..
Anil Parshad
Apne RBL credit card ko upi me kayse kre……