RBL MoneyTap Visa Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹499
₹499
1.99%
No lounge access
Contents
RBL MoneyTap Visa is a versatile card that combines everyday rewards with a unique credit-line transfer facility. It rewards online spends at an accelerated rate, offers monthly movie benefits and select merchant discounts. The card is suited to customers who want easy fund-transfer flexibility plus reward points on daily spends.
Features of RBL MoneyTap Visa Credit Card which makes it unique
Credit-line Transfer
Move credit-line funds to your bank account directly using the app.
Instant liquidity from credit limit.
Distinct from regular credit cards that don't allow direct transfers.
Rewards Structure of RBL MoneyTap Visa Credit Card
Online
acceleratedOnline merchants
At Merchant Outlets
baseIn-store purchases
Milestones of RBL MoneyTap Visa Credit Card
Annual Online Spend Milestone
₹250,000 : Amazon voucher or reward points as per bank campaign
Fees & Charges of RBL MoneyTap Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Annual fee waived on eligible annual spends of ₹200,000 or more.
Fee Explanation Standard bank charges and Schedule of Charges apply; refer to card terms for full details.
Detailed Explanation of RBL MoneyTap Visa Credit Card Fees
Annual Fee: 499 (yearly)
Waived on eligible annual spends of ₹200,000 or more.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction.
Lounge Access Benefits with RBL MoneyTap Visa Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
No complimentary domestic lounge access on this variant.
Insurance Coverage with RBL MoneyTap Visa Credit Card
Notified Card Insurance Offers
VariableRefer to card terms and rewards portal for insurance bundles and conditions.
Additional Features of RBL MoneyTap Visa Credit Card
XpressCash Fund Transfer
Transfer available credit to your bank account via the RBL MyCard / MoneyTap app.
Charges and interest applicable on amounts transferred; see app disclosures.
Contactless Payments
Tap-to-pay enabled for quick transactions.
Welcome Bonus with RBL MoneyTap Visa Credit Card
Welcome Bonus: 2,000 Reward Points
Bonus Conditions: Welcome points credited after paying the annual fee and making the first transaction; valid for new cardholders only.
Application Process for RBL MoneyTap Visa Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via the RBL Bank / Finanjo portal
Upload KYC and income documents
Receive verification and pay the annual fee if applicable
Card activated and dispatched as per processing timeline
Required Documents for RBL MoneyTap Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
RBL MoneyTap Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India on Visa network
International Acceptance
Accepted globally where Visa is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL MoneyTap Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must be an Indian resident with valid PAN and Aadhaar for KYC.
How Approval Is Decided
- Minimum income ₹25,000/month (salaried)
- Indian resident
- Credit score generally above 650
Pros of RBL MoneyTap Visa Credit Card
- Useful fund-transfer flexibility
- Welcome points and online rewards
- Monthly movie benefits
Cons of RBL MoneyTap Visa Credit Card
- No complimentary airport lounge access on base variant
- Limited premium lifestyle benefits compared with high-fee cards
Frequently Asked Questions about RBL MoneyTap Visa Credit Card
What is the welcome benefit?
Get 2,000 reward points on card activation after paying the annual fee and making your first transaction.
What is the annual fee and can it be waived?
The annual fee is ₹499. It may be waived when eligible annual spends meet the bank's waiver threshold (e.g., ₹200,000).
Can I transfer credit to my bank account?
Yes — the MoneyTap/XpressCash facility lets you transfer available credit to your bank account via the app; charges and interest apply.
How many reward points do I earn?
Typically 2 reward points per ₹100 on online spends and 1 reward point per ₹100 at merchant outlets; check the rewards portal for campaign rates.
How do I redeem reward points?
Redeem points via the RBL rewards portal for vouchers, travel, partner redemptions or statement credit as per the rewards catalogue.
What documents are required to apply?
PAN and Aadhaar are required for KYC; income proof is required for salaried/self-employed applicants as applicable.
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