RBL LazyPay Visa Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹0
₹0
1.5%
No lounge access
Contents
RBL LazyPay Visa Credit Card is a lifetime free cashback card designed for everyday online and offline spends. You earn simple, flat cashback on most retail transactions with no complicated reward slabs. The card is tightly integrated with LazyPay’s Buy Now Pay Later platform, giving you the option to convert purchases into easy EMIs. It suits first-time and value-seeking users who want straightforward rewards, transparent pricing and flexible repayment without worrying about annual fees.
Features of RBL LazyPay Visa Credit Card which makes it unique
BNPL Plus Credit Card Experience
Combines LazyPay’s Buy Now Pay Later line with a full-fledged Visa credit card for both online and offline spends.
Single card for everyday purchases, EMIs and BNPL, simplifying your credit journey.
More integrated with a BNPL ecosystem than most entry-level cashback cards.
Lifetime Free Cashback Design
Zero joining and annual fee with flat cashback on almost all eligible transactions.
Helps beginners build credit history and earn rewards without worrying about annual fee recovery.
Among RBL Bank’s lifetime free cards with simple, no-slab cashback.
Rewards Structure of RBL LazyPay Visa Credit Card
All Retail Spends
baseEligible online and POS transactions across most merchant categories, excluding fuel, rentals, cash, quasi-cash, insurance, wallet loading and certain utilities.
Straightforward 1% cashback on almost all day-to-day spends, credited as per the card’s cashback cycle on settled transactions.
EMI Purchases
baseRetail purchases that are first made on the card and then converted to LazyPay EMIs as per RBL Bank and LazyPay terms.
You earn standard cashback on eligible purchases; thereafter you can convert them into easy EMIs using LazyPay, subject to charges and eligibility.
Milestones of RBL LazyPay Visa Credit Card
No Spend-based Milestone Bonuses
N/A : This card focuses on flat cashback and does not currently offer extra milestone rewards on higher annual or monthly spends.
Fees & Charges of RBL LazyPay Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 1.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Lifetime free credit card with no joining or annual fee currently applicable.
Fee Explanation Standard RBL Bank charges apply: cash advance fee 2.5% of the withdrawn amount (minimum ₹500), late payment fee up to ₹1,300 based on total due, and overlimit fee of 2.5% of the overlimit amount (minimum ₹500), plus applicable GST as per RBL Bank’s latest MITC and Schedule of Charges.
Detailed Explanation of RBL LazyPay Visa Credit Card Fees
Joining Fee: ₹0 (one-time)
No joining fee; card is issued as a lifetime free credit card.
Annual Fee: ₹0 (yearly)
No annual or renewal fee is currently charged on this card.
Cash Advance Fee: 2.5% (per transaction)
Cash withdrawal fee of 2.5% of the amount withdrawn, subject to a minimum of ₹500, plus applicable finance charges.
Forex Markup Fee: 1.5% (per transaction)
Low forex markup of around 1.5% on international transactions done in foreign currency, plus applicable taxes.
Late Payment Fee: up to ₹1,300 (per statement cycle)
Late payment fee charged as a percentage of total amount due, with a minimum of ₹5 and maximum of ₹1,300, as per RBL Bank slabs.
Overlimit Fee: 2.5% (min ₹500) (per instance)
Overlimit fee of 2.5% of the overlimit amount, subject to a minimum of ₹500, when spends exceed the assigned credit limit.
Reward Redemption Fee: ₹99 + GST (per redemption day)
Reward redemption fee of ₹99 plus GST is charged once per day on days when you redeem cashback or rewards on the RBL rewards platform.
Lounge Access Benefits with RBL LazyPay Visa Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
This entry-level cashback card does not offer complimentary airport lounge access; standard paid access may be available at select lounges as per lounge/operator rules.
Insurance Coverage with RBL LazyPay Visa Credit Card
Network and Bank Protections
VariesNo dedicated complimentary travel, air accident or purchase insurance is prominently advertised for this card. Standard Visa and RBL Bank fraud protection and chargeback rights apply as per prevailing cardmember agreement.
Additional Features of RBL LazyPay Visa Credit Card
Contactless Payments
Tap to pay at NFC-enabled terminals up to the RBI contactless limits without entering PIN for small-ticket transactions.
Subject to terminal capability, network rules and RBI contactless guidelines.
Easy EMIs with LazyPay
Convert eligible purchases into affordable EMIs directly from the LazyPay app or RBL MyCard app.
EMI tenure, interest rate and processing fees are decided by RBL Bank and LazyPay at the time of conversion.
Full Digital Journey
Apply, complete KYC and manage your card entirely online using the LazyPay and RBL MyCard apps.
Subject to successful verification, internal risk checks and availability of the product in your location.
Welcome Bonus with RBL LazyPay Visa Credit Card
Welcome Bonus: ₹250 cashback
Bonus Conditions: Make a purchase of at least ₹99 within 30 days from card setup to receive the ₹250 cashback.
Application Process for RBL LazyPay Visa Credit Card
Processing Time
Instant in-app decision for eligible LazyPay users, with physical card typically dispatched within 5–7 working days.
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Download and sign in to the LazyPay app or visit the relevant RBL Bank or LazyPay application link, if new applications are open.
Check your pre-approved offer or start a fresh application for the RBL LazyPay Visa Credit Card, if available for your profile.
Fill in basic personal, contact and employment details and share your PAN and Aadhaar for KYC verification.
Upload or consent to fetch your income and bank details, then review and accept the credit card terms and conditions.
On approval, receive your virtual LazyPay credit card details in the app, and your physical Visa card is dispatched to your registered address within a few working days.
Required Documents for RBL LazyPay Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
RBL LazyPay Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at most card-accepting merchants across India that support Visa credit cards, along with thousands of LazyPay partner merchants for online and in-app payments.
International Acceptance
Accepted at most overseas merchants and websites that support Visa credit cards; forex markup and DCC charges apply on foreign currency transactions.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL LazyPay Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Available only to salaried Indian residents with a good credit profile. Eligibility, income and credit score cut-offs are decided by RBL Bank. Existing RBL Bank credit cardholders may not be eligible for this co-branded card. As of March 2025, many LazyPay cards are being migrated to RBL Bank Shoprite Credit Card and new applications may be restricted or paused.
How Approval Is Decided
- Indian resident within the eligible age band, typically 21–70 years.
- Salaried income with stable employment and ability to repay.
- Satisfactory credit score and clean repayment history on existing loans and cards.
- Internal RBL Bank and LazyPay underwriting checks, including bureau reports and existing relationship with the bank or PayU/LazyPay.
Pros of RBL LazyPay Visa Credit Card
- Lifetime free credit card with no annual or renewal fee.
- Simple flat 1% cashback on a wide range of everyday spends.
- Low forex markup makes it relatively better for small international transactions.
- Easy EMI conversion through LazyPay for large purchases.
- Digital-first onboarding and management via LazyPay and RBL MyCard apps.
Cons of RBL LazyPay Visa Credit Card
- No complimentary airport lounge access or premium travel perks.
- Cashback capped at around ₹500 per month, which limits value for very high spenders.
- No accelerated categories such as dining, groceries or fuel beyond base cashback.
- No spend-based milestone bonuses or large welcome voucher beyond the initial ₹250 cashback.
- Product availability is changing, with many existing cards being migrated to RBL Bank Shoprite Credit Card.
Frequently Asked Questions about RBL LazyPay Visa Credit Card
Is the RBL LazyPay Visa Credit Card really lifetime free?
Yes. For existing cardholders, the RBL LazyPay Visa Credit Card has no joining fee or annual fee, so it is effectively a lifetime free cashback credit card as per current information. However, product availability and pricing can change, and some customers are being migrated to the RBL Bank Shoprite Credit Card.
How much cashback do I earn on my LazyPay Visa Credit Card spends?
You generally earn 1% cashback on eligible online and POS spends, excluding categories such as fuel, rental payments, cash and quasi-cash transactions, insurance premiums and certain utilities. Cashback is subject to a monthly cap of about ₹500 and is calculated on settled transactions.
What is the welcome benefit on the RBL LazyPay Visa Credit Card?
New cardholders can receive ₹250 cashback as a welcome benefit by making at least one eligible purchase of ₹99 or more within 30 days from card setup. The cashback is usually credited after the transaction is settled, as per the latest terms and conditions.
Who is eligible to apply for the RBL LazyPay Visa Credit Card?
The card is primarily targeted at salaried Indian residents, typically aged 21 to 70, with a good credit profile. Exact income and score criteria are not publicly fixed and are decided by RBL Bank during underwriting. Existing RBL Bank credit card customers may not be eligible for this co-branded variant.
Does the RBL LazyPay Visa Credit Card offer airport lounge access or travel benefits?
No. This is an entry-level cashback card and does not provide complimentary airport lounge access or major travel benefits. It is designed more for everyday online and offline shopping, EMIs and LazyPay BNPL rather than premium travel perks.
Can I still apply for the RBL LazyPay Visa Credit Card now?
As of 2025, many existing RBL LazyPay cards are being migrated to the RBL Bank Shoprite Credit Card, and public communication suggests that the product is being reworked or phased out. New applications may therefore be restricted; check directly with LazyPay or RBL Bank for the latest application status.
What forex markup and international usage features does this card have?
The card can be used at most Visa-enabled merchants worldwide. The forex markup is relatively low for an entry-level card, around 1.5% of the transaction amount, plus GST and other network charges. A separate DCC or additional markup may apply for certain international transactions processed in INR.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.