RBL Bank

RBL Bank Novio Credit Card

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

Fuel

Reward Points

MyBankingTips Rating

Joining Fee: ₹500* + Tax

Renewal Fee: ₹500* + Tax

Fuel

1% or ₹10, whichever is higher

Reward Points

Earn 2 RPs/₹100 on online spends and 1 RP/₹100 on other spends.*

Welcome benefits:- 2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance, a clear sign that you're valued as a customer.

Check your eligibility For This Card

About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About RBL Bank Novio Credit Card

The RBL Bank Novio Credit Card, launched in partnership with Credilio Financial Technologies Pvt. Ltd., is an affordable entry-level card designed for everyday spending. Available on the RuPay Select network, it can also be conveniently linked with UPI for hassle-free payments.

With an annual fee of ₹500 + GST, the card offers decent rewards, especially for online transactions. Cardholders earn 2 Reward Points per ₹100 spent online and 1 Reward Point per ₹100 on offline purchases.

As a welcome bonus, users get 2,000 Reward Points after spending ₹5,000 within 30 days of card issuance. Additionally, milestone benefits include 1,000 points on annual spends of ₹1.5 lakh and 2,000 points on annual spends of ₹3 lakh, adding extra value for regular users.

RBL Bank Novio Credit Card Rewards Program

Rewards Rate

2 Reward Points per ₹100 spent on online transactions.
1 Reward Point per ₹100 spent on offline transactions.
No rewards on spends for fuel & auto, education, railways, insurance, government services, GST, and other excluded categories.

Other Features and Benefits

Welcome Bonus

2,000 Reward Points on spending ₹5,000 within 30 days of card issuance.

Annual Milestone Benefits

1,000 Reward Points on annual spends of ₹1.5 lakh.
2,000 Reward Points on annual spends of ₹3 lakh.

Fees and Charges

Fee/Charge	Amount/Rate
Joining Fee	Rs. 500
Annual Fee ( second year onwards)	Rs. 500
Finance Charges	Up to 3.99% p.m. (47.88% p.a.)
Late Payment Fee	12.5% of the outstanding amount (Min. Rs. 5 \| Max. Rs. 1,300)

Things to Know Before you apply

Get this card if:

You make most of your purchases online and want better rewards on them
You’re looking for an affordable, entry-level credit card with milestone perks
You prefer a RuPay card with UPI compatibility

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For RBL Bank Novio Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

RBL Bank Novio Credit Card Hilights

What do we like about this card?

Annual fee: ₹500 + GST
2,000 Reward Points as a welcome bonus (on ₹5,000 spend within 30 days)
2 RP per ₹100 on online spends, 1 RP per ₹100 on offline spends
Annual milestone rewards: 1,000 RP on ₹1.5 Lakh spend & 2,000 RP on ₹3 Lakh spend
RuPay Select card – can be linked with UPI for easy digital payments

Pros

Accelerated rewards on online spends
Affordable annual fee with good value return
Extra milestone rewards for high annual spends

Cons

No rewards on key categories like fuel, education, insurance, and government spends
Offline reward rate is low compared to online

RBL Bank Credit Card Contact Details

Contact Address: RBL Bank Ltd., One Indiabulls Centre, 16th Floor, Tower 2, Senapati Bapat Marg, Elphinstone Road, Mumbai – 400013, Maharashtra, India

Helpline: 022-62327777 or 1800-121-9050 (toll-free)

Simply SMS: Send ICON to 5607011 to get a callback or apply