RBL Bank
RBL Bank SuperCard is a versatile cashback credit card that earns 1% cashback on all spends without any category restrictions, caps, or conditions. With zero joining fee and an annual fee of just ₹750 — reversed on spending ₹75,000 per year — the card delivers a simple, predictable rewards experience at an extremely low cost, making it one of the best value credit cards available in India. The 1% cashback on all spends — whether grocery, dining, fuel, shopping, or bills — means cardholders never have to track which category their spending falls in or whether they've hit a monthly cap. On ₹1 lakh of monthly spending, the 1% return translates to ₹1,000 per month or ₹12,000 per year in cashback — a 16x return on the ₹750 annual fee. Four complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide meaningful travel value for occasional travellers, while the 1% fuel surcharge waiver across all fuel stations adds consistent savings for commuters. The ₹500 cashback on first transaction within 30 days of card delivery effectively covers the annual fee for the first year, making the SuperCard free for year one regardless of annual spending. The milestone benefit of ₹500 cashback on reaching ₹50,000 quarterly spend (approximately ₹2 lakhs per year) provides additional incentive for consistent usage. The card requires a minimum annual income of ₹2.5 lakhs and is available to individuals aged 21-55 years. The ₹75,000 annual spending threshold for annual fee reversal is approximately ₹6,250 per month — easily achievable for most working professionals. Source: RBL Bank official website, updated May 2026.
RBL Bank
RBL Bank Platinum Choice is a straightforward all-round rewards credit card that earns 1 Reward Point per ₹100 on all spends without any category restrictions or caps. At an annual fee of ₹1,200 — reversed on spending ₹1.5 lakhs per year — the card delivers a simple, predictable rewards experience across all spending categories, making it ideal for cardholders who don't want to manage category-specific restrictions. The 1% reward rate on all spends means cardholders earn the same return whether spending on groceries, dining, fuel, shopping, or bills. On ₹1 lakh of monthly spending, the 1% return translates to ₹1,000 per month or ₹12,000 per year in reward points — a 10x return on the ₹1,200 annual fee. Two complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide modest travel benefits, sufficient for the occasional traveller who takes 1-2 flights per year. The 1% fuel surcharge waiver across all fuel stations adds consistent savings for commuters, effectively providing 2% value on fuel spends when combined with the base 1% reward. The Buy 1 Get 1 free movie ticket offer on BookMyShow (once per month, up to ₹200 off per ticket) adds entertainment value throughout the year for couples and families. The card requires a minimum annual income of ₹3 lakhs and is available to individuals aged 21-60 years. The ₹1.5 lakhs annual spending threshold for annual fee reversal is approximately ₹12,500 per month — achievable for most working professionals. Source: RBL Bank official website, updated May 2026.
