RBL LazyPay Mastercard Credit Card
RBL Bank
Last updated: Nov 27, 2025
₹0
₹0
3.5%
No lounge access
Contents
A digital-first, lifetime-free Mastercard focused on simple cashback and everyday convenience. The card offers a straightforward 1% cashback program (capped monthly), instant digital issuance and easy app-based management. Best suited for users who want a no-frills, low-cost credit card for everyday spends.
Features of RBL LazyPay Mastercard Credit Card which makes it unique
Digital-first Issuance
Instant digital card usable immediately in app
Use card instantly without waiting for physical card
Faster issuance than many traditional cards
Rewards Structure of RBL LazyPay Mastercard Credit Card
Milestones of RBL LazyPay Mastercard Credit Card
Quarterly Spend Reward
₹50,000 : Merchant vouchers or cashback (varies by offer)
Fees & Charges of RBL LazyPay Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Lifetime free (no renewal fee)
Fee Explanation Standard RBL Bank credit card charges and schedule of charges apply; refer to bank schedule for card-specific details.
Additional Features of RBL LazyPay Mastercard Credit Card
Contactless Payments
Tap and pay enabled
App-based Management
Manage spends, statements and rewards via LazyPay/RBL app
Split-n-Pay / EMI Options
In-app EMI and split payment options subject to eligibility
Welcome Bonus with RBL LazyPay Mastercard Credit Card
Welcome Bonus: ₹500 cashback
Bonus Conditions: Cashback 1% up to ₹500 per month; exclusions include fuel, wallet load, utilities, government services, insurance, cash and quasi-cash, EMI conversions. Valid for primary cardholder only.
Application Process for RBL LazyPay Mastercard Credit Card
Processing Time
Instant digital issuance; physical card dispatched within 5–7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via LazyPay or RBL portal
Complete KYC using PAN and Aadhaar
Instant digital card issued in app
Physical card dispatched within 5–7 business days
Required Documents for RBL LazyPay Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
RBL LazyPay Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is accepted (digital card usage subject to bank rules)
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL LazyPay Mastercard Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required for KYC; Indian resident only.
How Approval Is Decided
- Indian resident
- Age 21 or above
- Meeting internal bank/fraud and eligibility checks
Pros of RBL LazyPay Mastercard Credit Card
- No joining or annual fee
- Easy-to-understand cashback
- Quick digital issuance
Cons of RBL LazyPay Mastercard Credit Card
- Low cashback ceiling (₹500/month)
- Exclusions on many categories (fuel, wallet load, etc.)
- Limited premium perks (no lounge access)
Frequently Asked Questions about RBL LazyPay Mastercard Credit Card
Is there a joining or annual fee?
No. The RBL LazyPay Mastercard is lifetime free with no joining or annual fee.
What is the cashback rate and cap?
You earn 1% cashback on eligible spends, capped at ₹500 per month.
Which categories are excluded from cashback?
Exclusions include fuel, wallet load, utilities, government services, insurance, cash/quasi-cash and EMI conversion transactions.
How quickly is the card issued?
A digital card is issued instantly in-app; physical card is typically dispatched within 5–7 business days.
How do I redeem cashback or rewards?
Cashback is credited as per bank policy and visible in the app; check the LazyPay/RBL rewards portal for redemption options.
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