RBL MoneyTap Black Mastercard Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹3,000
₹3,000
3.5%
4 visits/yr
Contents
RBL's MoneyTap Black Mastercard is a rewards-focused mid-to-premium card aimed at frequent online shoppers and moviegoers. It offers accelerated online rewards, quarterly domestic lounge access, milestone bonus points on annual spends and a strong Welcome Points package — useful for consumers who make regular online purchases and want a pack of movie and fuel benefits. Check T&Cs for exact exclusions and milestone credit rules.
Features of RBL MoneyTap Black Mastercard Credit Card which makes it unique
Monthly Activity Bonus
Earn 1,000 points for completing 5 transactions of ₹1,000+ in a month
Boosts point accumulation for regular users
Useful for frequent small-ticket online/offline spends.
High Online Earn Rate
10 pts/₹100 on online spends
Makes the card attractive for ecommerce-heavy users
Higher than many base-rate cards for online shopping.
Rewards Structure of RBL MoneyTap Black Mastercard Credit Card
Online
acceleratedOnline merchants, ecommerce and selected categories
Other
baseAll other eligible transactions
Milestones of RBL MoneyTap Black Mastercard Credit Card
₹2.5 Lakh Annual Online Spend
₹250000 : 8,000 reward points (credited annually)
₹4 Lakh Annual Online Spend
₹400000 : Additional 8,000 reward points (credited annually)
Fees & Charges of RBL MoneyTap Black Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹3,000 |
| Annual Fee | ₹3,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Fee may be reversed/waived based on spend milestones as per bank policy (refer to milestones section).
Fee Explanation Standard RBL schedule of charges applies (cash advance % or minimum, foreign-transaction markup, reward redemption fee).
Detailed Explanation of RBL MoneyTap Black Mastercard Credit Card Fees
Joining / First-year Fee: 3000 (one-time)
Levied after first debit transaction; taxes extra.
Annual Fee / Renewal Fee: 3000 (yearly)
May be reversed on meeting spend milestones per T&Cs.
Foreign / Forex Markup Fee: 3.5% (transaction)
Markup on foreign currency transactions (check RBL schedule of charges).
Cash Advance / ATM Withdrawal: 2.5% (transaction)
Minimum ₹500 per withdrawal.
Reward Redemption Fee: 99 (redemption)
Plus GST; one-time per redemption day.
Lounge Access Benefits with RBL MoneyTap Black Mastercard Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
1 complimentary domestic lounge visit per calendar quarter for primary cardholder; enrolment on activation/visit via programme rules.
Insurance Coverage with RBL MoneyTap Black Mastercard Credit Card
Accidental Death Cover / Credit Shield
Varies (example: up to ₹2.5 lakh under select offers)Subject to enrolment and eligibility; refer to insurance T&Cs.
Additional Features of RBL MoneyTap Black Mastercard Credit Card
Contactless Payments
Tap-and-pay enabled for eligible terminals
Add-on Cards
Add-on cards available per bank policy
Charges and limits per bank.
Welcome Bonus with RBL MoneyTap Black Mastercard Credit Card
Welcome Bonus: 12,000 reward points on first transaction within 30 days
Bonus Conditions: Credited after payment of annual fee and first transaction within 30 days; points credited within 60 days. Source: RBL T&Cs.
Application Process for RBL MoneyTap Black Mastercard Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via RBL / Finanjo portal or authorised partner
Upload KYC and income documents
Bank performs verification and credit assessment
Card dispatched within 5–7 business days after approval
Required Documents for RBL MoneyTap Black Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
RBL MoneyTap Black Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India; Mastercard network.
International Acceptance
Accepted globally where Mastercard is accepted (subject to forex markup).
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL MoneyTap Black Mastercard Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and KYC (Aadhaar / other address proof) required; subject to bank approval.
How Approval Is Decided
- Minimum income (salaried) approx. ₹30,000/month
- Indian resident with valid KYC
- Credit score generally 700+ recommended
Pros of RBL MoneyTap Black Mastercard Credit Card
- High rewards rate for online purchases
- Generous welcome points if you activate and pay fee early
- Milestone bonuses that scale with annual online spend
Cons of RBL MoneyTap Black Mastercard Credit Card
- Relatively high ₹3,000 annual fee
- Forex markup is standard ~3.5% (not best for heavy international use)
- Reward redemption fee of ₹99 + GST
Frequently Asked Questions about RBL MoneyTap Black Mastercard Credit Card
Is there a joining or annual fee?
Yes — the card carries a ₹3,000 annual/membership fee (plus taxes). The first-year fee is typically charged after the first debit transaction; read the card statement for exact timing. :contentReference[oaicite:1]{index=1}
What is the welcome bonus and how do I get it?
Welcome bonus: 12,000 reward points. To qualify you must pay the annual fee and make the first eligible transaction within 30 days of issuance; points are credited within 60 days. :contentReference[oaicite:2]{index=2}
How do I earn reward points?
Online spends earn accelerated points (10 pts/₹100); other eligible spends earn base points (2 pts/₹100). There is also a monthly activity bonus for 5 transactions of ₹1,000+ in a month. :contentReference[oaicite:3]{index=3}
Are there milestone bonuses or annual spend benefits?
Yes — the card pays 8,000 reward points on annual online spends of ₹2.5 lakh and an additional 8,000 points on crossing ₹4 lakh (annual). Check the T&Cs for exact inclusion/exclusion of categories. :contentReference[oaicite:4]{index=4}
What is the foreign transaction (forex) fee?
Foreign-currency transactions are subject to a markup (typically up to 3.5% depending on card variant). RBL publishes a schedule of charges — verify for promotions that may reduce/waive this. :contentReference[oaicite:5]{index=5}
Is the annual fee waived on spending?
Annual fee reversal/waiver rules vary by product and campaign; some RBL cards offer waivers or partial reversals based on previous year spends — check the MoneyTap Black milestone and waiver rules in the T&Cs. :contentReference[oaicite:6]{index=6}
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