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) |
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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
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
RBL Bank Novio Credit Card Highlights
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
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
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
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Frequently Asked Questions
The card comes with an annual fee of ₹500 + GST.
You receive 2,000 Reward Points as a welcome bonus on spending ₹5,000 within 30 days of card issuance.
You earn 2 Reward Points per ₹100 on online spends and 1 Reward Point per ₹100 on offline spends.
Yes, you earn 1,000 Reward Points on spending ₹1.5 Lakhs in a year and 2,000 Reward Points on ₹3 Lakhs annual spends.
Yes, since it is on the RuPay network, you can link it with UPI apps like Google Pay, PhonePe, and Paytm.
Yes, transactions like fuel, education, insurance, government services, GST, and railway bookings do not earn reward points.
