RBL Money Tap Mastercard Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹499
₹499
3.5%
No lounge access
Contents
RBL Money Tap Mastercard Credit Card combines a flexible personal credit line with the convenience of a regular credit card. You can use it for everyday offline and online spends, while also transferring funds from the credit line to your bank account when you need instant liquidity. Reward points on all spends, Zomato cashback, grocery discounts and BookMyShow movie offers make it a value-packed choice for working professionals. With a low annual fee and smart app-based control through MoneyTap and RBL MyCard, it is designed as an easy-to-manage, all-rounder card for everyday use.
Features of RBL Money Tap Mastercard Credit Card which makes it unique
Hybrid Credit Line Plus Credit Card
Combines an app-based MoneyTap personal credit line with a full-featured RBL Bank Mastercard credit card.
Lets you either swipe the card or withdraw funds to your bank account, depending on your need.
More flexible than traditional credit cards that do not offer an integrated, reusable credit-line experience.
Strong Everyday Rewards With Low Annual Fee
Delivers 2x reward points on online spends, base rewards on all purchases and multiple partner offers at a modest yearly fee.
Good long-term value for salaried users who spend regularly on food delivery, groceries, bills and entertainment.
Simpler and more affordable than many high-fee premium cards while still offering popular partner benefits.
Rewards Structure of RBL Money Tap Mastercard Credit Card
Online Spends
acceleratedAll eligible online purchases made on e-commerce, bill payment and service platforms (excluding credit-line or loan spends via MoneyTap).
Best value is achieved by routing regular online shopping, bill payments and subscriptions through this card.
Offline Spends
basePoint-of-sale purchases at physical merchant outlets such as supermarkets, petrol pumps, retail stores and restaurants.
Use the card for everyday offline payments to keep earning base reward points on routine spends.
Food Delivery
baseEligible Zomato food delivery orders paid with the RBL Money Tap Mastercard Credit Card.
Ideal for frequent Zomato users who order in multiple times a month; check latest campaign T&Cs for partner validity and caps.
Groceries And Essentials
baseEligible grocery and essentials purchases at partner apps and platforms such as Grofers/Blinkit, when paid using the card.
Great way to save on monthly household shopping; offers and partners are updated periodically by RBL Bank and partners.
Milestones of RBL Money Tap Mastercard Credit Card
Annual Spend Bonus Rewards
₹1,00,000 in eligible retail spends in a card anniversary year, repeated up to 10 times. : Earn around 2,000 bonus reward points on every ₹1,00,000 of eligible annual spends, up to 10 times per year, as per RBL Bank MoneyTap Credit Card bonus rewards program.
Amazon Shopping Voucher Milestone
₹2,50,000 or more in eligible spends during a card anniversary year. : Amazon voucher worth approximately ₹1,000 after qualifying annual spends, credited as per partner and bank terms.
Fees & Charges of RBL Money Tap Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Second-year annual fee of ₹499 is waived on total spends of ₹1.5 lakh or more in the previous year, as per the latest RBL Bank policy.
Fee Explanation Core fees such as joining fee, annual fee and interest charges follow the latest RBL Bank MoneyTap Credit Card schedule of charges. Finance charges are generally up to 3.99% per month (47.88% p.a.), and other fees like late payment and overlimit charges are applied on a slab basis. Always refer to the most recent RBL Bank fee schedule before applying.
Detailed Explanation of RBL Money Tap Mastercard Credit Card Fees
Fuel Surcharge Waiver: 1% surcharge waived up to ₹100 per month (per billing cycle)
Valid on fuel transactions within the eligible range (for example ₹500–₹4,000) at participating fuel stations, as per RBL Bank terms.
Reward Redemption Fee: ₹99 + GST per redemption (typical) (per redemption request)
May be charged when redeeming points against vouchers, statement credit or partner programs; exact fee as per the latest RBL reward catalogue.
Joining Fee: ₹499 + GST (one-time)
Charged in the first year as per RBL Bank schedule of charges for the MoneyTap Credit Card.
Annual / Renewal Fee: ₹499 + GST (yearly)
Second-year renewal fee is waived on eligible annual spends (currently ₹1.5 lakh or more in the previous year, as per RBL Bank policy).
Finance Charges: Up to 3.99% per month (47.88% p.a.) (monthly on revolving balances)
Applied on carried-forward balances, cash withdrawals and converted EMIs according to the card’s terms and conditions.
Late Payment Fee: Slab-based as per latest schedule (per billing cycle)
Typically a percentage of the total due with a minimum and maximum cap; refer to the latest RBL Bank MoneyTap Credit Card charges page.
Insurance Coverage with RBL Money Tap Mastercard Credit Card
Card Liability Protection
As per RBL Bank’s standard lost card liability policyTypically covers fraudulent transactions made after reporting loss of card to RBL Bank, subject to timely reporting, claim process and policy exclusions.
Purchase Protection (Limited)
As per bank’s generic credit card protection program, where applicableMay offer limited protection on certain high-value purchases against damage or theft within a specific period; details and eligibility depend on the latest RBL Bank credit card insurance terms.
Additional Features of RBL Money Tap Mastercard Credit Card
MoneyTap Credit Line
Link your RBL Money Tap Mastercard Credit Card to the MoneyTap app to access a flexible personal credit line.
Credit limit and eligibility are decided by RBL Bank based on your profile; funds can be transferred to your bank account within the approved limit.
XpressCash To Bank Account
Instantly transfer money from your MoneyTap credit line to your linked bank account using the app.
Minimum transfer amount and applicable interest or processing charges are defined in MoneyTap and RBL Bank’s product terms.
Easy EMI Conversion
Convert large purchases or eligible outstanding balances into EMIs directly from the MoneyTap or RBL MyCard app.
Minimum transaction amount and tenure options apply; EMI interest rates and processing fees follow card EMI program terms.
RBL MyCard App Management
Track transactions, due dates, statements and reward points via the RBL MyCard app or online portal.
Requires registration with your registered mobile number and OTP-based login for secure access.
Welcome Bonus with RBL Money Tap Mastercard Credit Card
Welcome Bonus: 2,000 Reward Points
Bonus Conditions: Welcome bonus is typically credited after payment of the first year fee and completing the first eligible card transaction within 30 days of setup; timelines and eligibility are as per the latest RBL Bank MoneyTap Credit Card terms and conditions.
Application Process for RBL Money Tap Mastercard Credit Card
Processing Time
Typically 5–7 business days after successful verification of documents and KYC via the MoneyTap app.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Download the MoneyTap app from Google Play Store or Apple App Store and start the application for the RBL Money Tap Mastercard Credit Card and credit line.
Complete the in-app eligibility check by sharing basic personal details, PAN and income information so that MoneyTap and RBL Bank can run a credit assessment.
Upload KYC documents and complete video or physical KYC, as required, to get your line of credit and card approved.
Once approved, your RBL Money Tap Mastercard Credit Card is issued and dispatched; activate it via RBL MyCard or net banking and then start using both the card and MoneyTap credit line for purchases or bank transfers.
Required Documents for RBL Money Tap Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
RBL Money Tap Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at most online and offline Mastercard merchant outlets across India, including major retail chains, fuel stations, restaurants and billers.
International Acceptance
Accepted at international merchants and ATMs wherever Mastercard is supported, subject to forex markup and overseas usage rules.
Online Acceptance
true
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Money Tap Mastercard Credit Card
Quick Eligibility Check
Minimum Age
23+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable income profile and a good credit history as per RBL Bank’s internal underwriting norms. Final approval is at the sole discretion of the bank.
How Approval Is Decided
- Applicant must be an Indian resident with a stable income and minimum monthly income of around ₹30,000.
- Age should generally be 23 years or above at the time of application, as per RBL Bank’s eligibility terms.
- A good credit score (usually 700 or above) and a clean credit history with no recent major delinquencies are preferred.
- Approval is based on RBL Bank’s internal policies, which consider income, obligations, bureau score and overall risk profile.
Pros of RBL Money Tap Mastercard Credit Card
- Attractive reward rate on online transactions and consistent rewards on all other spends.
- Strong partner ecosystem with Zomato, grocery apps and BookMyShow offers.
- Fuel surcharge waiver that helps frequent commuters save every month.
- Flexible MoneyTap credit line for instant cash needs in your bank account.
- Low annual fee relative to the number of lifestyle benefits and rewards.
Cons of RBL Money Tap Mastercard Credit Card
- No complimentary airport lounge access, even at domestic airports.
- Standard forex markup, making it less suitable for heavy international travellers.
- Rewards are oriented towards online and urban lifestyle spends, which may be less valuable for low digital spenders.
- Finance charges can be high if balances are revolved instead of being paid in full each month.
Frequently Asked Questions about RBL Money Tap Mastercard Credit Card
What kind of rewards do I earn with the RBL Money Tap Mastercard Credit Card?
You typically earn 2 reward points per ₹100 on eligible online spends and 1 reward point per ₹100 on other purchases at merchant outlets. In addition, there are partner offers like Zomato cashback, grocery discounts and BookMyShow 1+1 movie tickets, which enhance the overall value of your monthly spends.
Does the RBL Money Tap Mastercard Credit Card offer airport lounge access?
No, the RBL Money Tap Mastercard Credit Card does not offer complimentary airport lounge access. If free domestic or international lounge visits are important for you, you may want to pair this card with a dedicated travel or lounge-access credit card.
How and when is the welcome bonus on this card credited?
The welcome bonus is usually credited after your card is set up, the joining fee is billed and you complete the first eligible transaction within a specified period (commonly 30 days). The bonus posting timeline is typically within 60 days from meeting the conditions, as per the latest RBL Bank MoneyTap Credit Card terms.
Can I transfer money from my RBL Money Tap Mastercard Credit Card to my bank account?
Yes. One of the main advantages of the MoneyTap-linked RBL card is that you can draw from your approved MoneyTap credit line and transfer funds directly to your bank account through the MoneyTap or RBL MyCard app, subject to your available limit and applicable interest or processing fees.
What is the minimum income required to apply for this card?
RBL Bank generally expects applicants to have a minimum monthly income of around ₹30,000, whether salaried or self-employed, along with a good credit profile. Meeting the minimum income does not guarantee approval, as final decisions depend on the bank’s internal risk assessment.
Is there any fuel surcharge benefit on the RBL Money Tap Mastercard Credit Card?
Yes. The card offers a 1% fuel surcharge waiver on eligible fuel transactions within the specified transaction range at participating fuel stations, with the benefit typically capped at around ₹100 per billing cycle. This can meaningfully reduce your monthly fuel costs if you routinely pay with the card.
Are there any hidden charges on the RBL Money Tap Mastercard Credit Card or MoneyTap credit line?
The card and credit line are designed to be transparent. Fees such as joining fee, annual fee, finance charges, late payment fees and reward redemption fees are clearly listed in the RBL Bank schedule of charges. As long as you review these charges and pay your dues on time, you should not encounter unexpected or hidden fees.
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