TVS Credit RBL Bank Gold Credit Card
- Updated On: 14 May, 2025
RBL has introduced two co-branded cards with TVS Credit: the TVS Credit RBL Bank Gold Credit Card and the TVS Credit RBL Bank Credit Card. The latter is more affordable and has more perks if compared with the former.
The TVS Credit RBL Bank Gold Credit Card is designed for those who love to shop and want to earn rewards while doing so. This credit card stands out due to its welcome benefits, as well as its milestone benefits. With a joining fee of ₹1,500 plus taxes, cardholders can enjoy a number of perks at a reasonable price.
One of the key features of this credit card is its impressive reward structure. You earn 10 Reward Points for every ₹100 spent on international purchases and 2 Reward Points for every ₹100 spent on everyday transactions. Cardholders also enjoy cashback offers on dining through EazyDiner, along with airport lounge access, both international and domestic. The card also offers helpful features like UPI access for easy payments, NCMC benefits, and a fuel surcharge waiver. It provides many benefits to both shoppers and travelers. To know more about this card, continue reading.
TVS Credit RBL Bank Gold Credit Card
( 4.5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
Rewards Rate
10 RP for every ₹100 spent on international purchases; 2 RP for every ₹100 spent on everyday transactions
Welcome Benefits
6,000 bonus RP on the first transaction within 30 days from card issuance
Rewards and 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
Fees & Charges
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 Waiver
1% waiver up to ₹100 on transactions between ₹400 to ₹5,000
Cash Advance Charges
2.5% of the cash amount or a minimum of ₹500
Product Details
- 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/Cons
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 ₹1,500 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?
Yes, you can log in to the RBL Rewards Portal at any time to view and redeem your Reward Points.
Does this credit card come with insurance benefits?
This card does not offer any specific insurance benefits, such as travel or purchase protection insurance.
What types of transactions won’t earn Reward Points?
Transactions such as fuel and auto, utilities, insurance, real estate, and cash do not earn Reward Points.