RBL Bank UPI Wala Credit Card

Experience the power of credit with unmatched convenience and affordability. The RBL Bank UPI Wala Credit Card is your digital first companion for online and UPI based transactions.

Welcome Benefit

Enjoy 20% cashback on first 2 UPI transaction. Applicable for transaction done within 15 days of card generation. Subject to maximum capping of INR 50
Avail the welcome benefit in two simple steps:
- Make two UPI transactions within 15 days of card issuance.
- Pay the annual membership fee by the payment due date.
Welcome benefits will be credited to your account within 60 days from the date of the card issuance.

Reward Benefits

Earn 1 reward point for every INR 200 spent.
Reward Points earned in a given month will be credited to your account within 45 days from the purchase settlement date.

Redeem your reward points at www.rblrewards.com. For more details, refer to www.rblrewards.com/tnc.

Key Benefits

Use your RuPay Credit Card for UPI transactions to pay bills, including utility bills, mobile recharge, and more.
Enjoy the convenience of UPI payments and earn rewards, such as cashback, reward points, or discounts. Offline UPI transactions under INR 2,000 done at small merchants will not be eligible for product benefits as mentioned in Product T&C.

Cardmember will earn reward points as defined in respective product terms & conditions. However, offline UPI transactions under INR 2000 done at small merchants on RBL Bank RuPay Credit Card will not be eligible for rewards points, voucher benefits, milestone benefits or any other product benefits, unless stated otherwise. For clarity, small merchants in this case means merchants with turnover of not more than INR 20 lakh during the previous financial year.

*Purchases made on select merchant categories: Fuel & Auto, Utilities, Insurance, Railways, Real Estate/Rental, Wallet/Service Providers & Miscellaneous do not earn reward points.
W.e.f. October 15, 2024, purchases made on select merchant categories: Quasi-Cash, Education, Government Services, Contracted Services, Cash & Bills2Pay will also not earn reward points.
^#W.e.f. October 15, 2024, waiver of annual fees on achieving the annual spends will not include purchases made on select merchant categories: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous & Bills2Pay and EMI conversion of retail transactions (Split-N-Pay & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App), fees (if any), charges & GST.

Categories/MCCs will be defined as per Mastercard/RuPay/VISA guidelines: Grocery (5411, 5422, 5441, 5451, 5499), Fuel & Auto (0032,2541,4001,5542,5541,5172), Utilities (4900), Insurance (6300,6310), Quasi-Cash (6050, 6051, 4829), Railways (0066, 4011, 4112), Real Estate/Rental (6513), Education (8220,8244, 8249, 8211, 8241, 8299), Wallet/Service Providers (6540), Government Services (9400,1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211, 9402, 9401, 9311, 9223), Contracted Services (1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780), Cash (6011, 6010) and Miscellaneous (5960)

Bills2Pay is a facility provided by RBL Bank where Cardmembers can pay various utility bills via RBL MyCard App/RBL MoBank App/Internet banking channel

Click here for detailed terms and conditions.