RBL Monthly Treats Mastercard Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹0
₹0
3.5%
No lounge access
Contents
RBL Monthly Treats Mastercard Credit Card is a lifestyle and cashback credit card built around everyday online spending, food delivery, fashion, movies and app-based rides. Instead of a large one-time annual fee, it uses a low monthly membership fee of ₹100 + GST that can be waived when you hit the required monthly spend, making it budget friendly for millennials and regular online shoppers. You earn base reward points on all eligible spends, boosted to 5X reward points on online transactions, plus 10% savings on brands like Zomato, Myntra, Uber and BookMyShow, along with a fuel surcharge waiver and milestone vouchers worth up to ₹6,000 per year. Overall, the RBL Monthly Treats Credit Card is designed as a high-value ‘online shopping and cashback’ card for urban users who spend frequently on apps, entertainment, groceries and digital payments.
Features of RBL Monthly Treats Mastercard Credit Card which makes it unique
Monthly Fee Structure Instead of Annual Fee
Instead of a large one-time annual fee, the Monthly Treats Credit Card charges a small monthly membership fee that can be waived with regular usage.
Easier to manage for users on a monthly budget while still enjoying strong cashback and rewards.
More flexible than many annual-fee cards that charge upfront irrespective of actual monthly usage.
10% Cashback on Everyday Digital Lifestyle Brands
Targeted 10% savings on brands like Zomato, Myntra, Uber and BookMyShow, on top of app-level discounts and offers.
Maximises value for regular app users and urban millennials who spend heavily on online food delivery, fashion and cabs.
One of the stronger brand-specific line-ups in the entry-level RBL Bank portfolio for online shopping and entertainment.
Rewards Structure of RBL Monthly Treats Mastercard Credit Card
Online Spends
acceleratedAll eligible online transactions made on websites, apps and payment gateways, excluding fuel, utilities, insurance, rent, education, wallets, quasi-cash and other restricted MCCs.
Best value when used for frequent online shopping, app payments and digital transactions; reward points can be redeemed at ~₹0.20 per point on RBL Rewards.
Offline Spends
baseAll eligible POS transactions at merchant outlets in India, excluding fuel and restricted categories.
Ideal for day-to-day spends at supermarkets, restaurants, pharmacies and local stores, as long as the merchant category is eligible for reward points.
Zomato, Myntra and Uber Cashback
baseOnline transactions made on Zomato, Myntra and Uber using the RBL Monthly Treats Credit Card.
Cashback is provided over and above any ongoing merchant or app discounts and is reflected in the monthly card statement, subject to brand and MCC eligibility.
BookMyShow Movie Benefit
baseMovie ticket bookings made via BookMyShow website or app using this credit card.
Discount is applied instantly at checkout on BookMyShow when the offer is correctly selected and paid with the RBL Monthly Treats Credit Card.
Groceries, Food Delivery and Utilities
baseGrocery spends, Swiggy and select utility bill payments through RBL MyCard app or eligible channels after crossing required monthly spend thresholds.
Groceries, food delivery and bill payments can be powerful value drivers when you consistently hit the monthly spend thresholds; exact structure may vary slightly over time based on RBL Bank offer updates.
Reward Points Redemption
baseAccumulated reward points redeemed via the RBL Rewards portal for vouchers, merchandise, travel or statement credit.
For best value, redeem points for popular brand vouchers, travel bookings and curated offers on the RBL Rewards portal; check catalog for latest options.
Milestones of RBL Monthly Treats Mastercard Credit Card
Annual Milestone – ₹2 Lakh Spends
₹2,00,000 in a membership year : Vouchers worth ₹1,000 from leading brands like Amazon, Flipkart, Myntra, Croma or Shoppers Stop, as per RBL Bank’s milestone catalog.
Annual Milestone – ₹5 Lakh Spends
₹5,00,000 in a membership year : Vouchers worth ₹5,000 from popular lifestyle and shopping brands, delivered within approximately 45 days of meeting the spend criteria.
Fees & Charges of RBL Monthly Treats 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 | 0 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:No standard annual fee. Instead, a monthly membership fee of ₹100 + GST is charged and waived on eligible monthly spends of ₹5,000 or more in the previous month, as per RBL Bank’s latest Schedule of Charges and MITC.
Fee Explanation The RBL Monthly Treats Credit Card charges a flat monthly membership fee of ₹100 + GST instead of a traditional annual fee. This fee is waived when you spend ₹5,000 or more in the previous month on eligible categories. Standard RBL Bank finance charges (up to 3.99% per month), cash advance fee of 2.5% (minimum ₹500), foreign currency markup of 3.5%, cheque return fee of ₹500, and late payment fee of up to ₹1,300 apply as per the latest MITC and Schedule of Charges.
Detailed Explanation of RBL Monthly Treats Mastercard Credit Card Fees
Monthly Membership Fee: ₹100 + GST (monthly)
Waived when you spend ₹5,000 or more in the previous calendar month on eligible categories, as per RBL Bank terms.
Finance Charges: Up to 3.99% per month (47.88% p.a.) (monthly)
Applicable on unpaid dues and cash advances as per RBL Bank MITC.
Cash Advance Fee: 2.5% (min ₹500) (per transaction)
Charged on cash withdrawals at ATMs or over the counter; interest also applies from the date of withdrawal.
Foreign Currency Markup: 3.5% (per transaction)
Applicable on all international transactions and INR transactions processed via foreign merchants or payment gateways.
Late Payment Fee: Up to ₹1,300 (per statement)
12.5% of the total amount due, subject to a minimum of ₹5 and maximum of ₹1,300, based on the statement outstanding.
Reward Redemption Fee: ₹99 + GST (per redemption)
Charged once per day on any redemptions made through the RBL Rewards platform, except for exempt premium cards.
Cheque Return / Auto-debit Reversal Fee: ₹500 (per instance)
Charged when cheque or auto-debit towards credit card payment is returned or reversed due to insufficient funds.
Fuel Transaction Surcharge: 1% of transaction value (min ₹10) (per transaction)
Standard surcharge levied at fuel pumps; the card offers a surcharge waiver up to ₹150 per billing cycle on eligible fuel spends.
Insurance Coverage with RBL Monthly Treats Mastercard Credit Card
Lost Card Liability Protection
Up to the card’s credit limit for unauthorised transactions after reporting lossStandard RBL Bank zero-liability policy applies on fraudulent transactions made after the loss or theft of the card is reported to the bank via the official helpline; transactions before reporting remain the cardholder’s responsibility as per MITC.
Additional Features of RBL Monthly Treats Mastercard Credit Card
Contactless Payments
Tap-and-pay enabled on compatible POS terminals for small-value transactions without PIN up to the RBI-mandated limit.
Contactless limit and PIN requirements follow RBI and network guidelines; you can enable, disable or set limits through the RBL MyCard app or internet banking.
RBL MyCard App Integration
Full control of your Monthly Treats Credit Card via the RBL MyCard mobile app, including EMI conversion, statement views, spend tracking and offer discovery.
Requires registration with your registered mobile number and OTP verification; features may vary slightly by app version.
EMI on Purchases
Convert big-ticket spends into affordable EMIs using Split-N-Pay or merchant EMI options directly from the app or at checkout.
Processing fee and interest rate apply as per RBL Bank EMI terms; base reward points are generally not accrued on converted EMI transactions.
Welcome Bonus with RBL Monthly Treats Mastercard Credit Card
Welcome Bonus: Currently no joining or welcome bonus is offered.
Bonus Conditions: RBL Bank does not advertise any specific welcome benefit on the Monthly Treats Credit Card at present; all rewards are based on ongoing spends and milestone programs.
Application Process for RBL Monthly Treats Mastercard Credit Card
Processing Time
5–7 working days for eligible applications, subject to RBL Bank’s internal checks and KYC verification.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Visit the RBL Bank website, Monthly Treats Credit Card page or RBL MyCard app to check the latest status and available alternatives such as the RBL Cookies Credit Card.
If Monthly Treats is open for targeted offers in the future, fill out the online form with your personal details, employment information and income data, and upload basic KYC documents.
Complete mobile number and email verification using OTP and consent to bureau checks so that RBL Bank can assess your creditworthiness.
On approval, the credit limit is assigned based on your profile, and the physical card is dispatched to your registered address while a virtual card may be activated in the RBL MyCard app.
Set your PIN via the app, internet banking or ATM, and start using the card to earn 5X online rewards, 10% cashback and milestone vouchers.
Required Documents for RBL Monthly Treats Mastercard Credit Card
Identity Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
RBL Monthly Treats Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
High acceptance across India at most merchants that support Mastercard, including retail stores, restaurants, petrol pumps, supermarkets, online merchants and app-based services.
International Acceptance
Accepted globally at all outlets and websites that accept Mastercard, subject to foreign currency markup charges and cross-border fees as per RBL Bank MITC.
Online Acceptance
Yes, widely accepted across Indian and international e-commerce sites, food delivery apps, OTT platforms, travel portals and bill payment platforms that support Mastercard cards.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Monthly Treats Mastercard Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should be an Indian resident with stable income, valid PAN and Aadhaar, and a clean credit profile. Exact income and internal eligibility criteria are decided by RBL Bank at the time of application. Currently, RBL Bank is not accepting new applications for Monthly Treats; the card is available only to existing cardholders. For similar benefits, the bank recommends the RBL Cookies Credit Card.
How Approval Is Decided
- Clean repayment history and a decent credit score (typically 700 or higher) with no major delinquencies or recent settlements.
- Stable monthly income that meets or exceeds RBL Bank’s internal minimum requirement for this card variant.
- Indian resident aged at least 21 years with valid PAN, Aadhaar and address proof.
- Application acceptance is entirely at RBL Bank’s discretion based on internal risk and eligibility policies; as of now, new-to-card customers are typically redirected to similar products like Cookies Credit Card.
Pros of RBL Monthly Treats Mastercard Credit Card
- Earn unlimited 5X reward points on eligible online spends, ideal for digital-first users and e-commerce shoppers.
- 10% cashback on leading lifestyle brands such as Zomato, Myntra, Uber and BookMyShow, plus additional grocery and utility offers via the Monthly Treats program.
- Low monthly membership fee of ₹100 + GST with a realistic waiver condition of ₹5,000 eligible spends in the previous month.
- Milestone vouchers worth up to ₹6,000 per year on hitting ₹2 lakh and ₹5 lakh annual spends, improving long-term value.
- Fuel surcharge waiver up to ₹150 per month on eligible fuel transactions, along with simple base rewards on offline spends.
Cons of RBL Monthly Treats Mastercard Credit Card
- No welcome bonus or joining gift, so value builds gradually through ongoing spends and milestones.
- No complimentary airport lounge access or premium travel benefits, making it unsuitable as a primary travel credit card.
- Cashback and reward eligibility excludes several categories such as fuel, utilities beyond caps, insurance, rent, education and wallet loads, which may reduce effective earn rate for some users.
- Foreign currency markup of 3.5% makes it less attractive for frequent international travellers compared to specialised travel cards.
- New applications are currently not being accepted; only existing Monthly Treats customers can use the card, while new users are directed to similar products like Cookies Credit Card.
Frequently Asked Questions about RBL Monthly Treats Mastercard Credit Card
Is there a joining fee or annual fee on the RBL Monthly Treats Mastercard Credit Card?
RBL Monthly Treats does not charge a traditional one-time joining or annual fee. Instead, it has a monthly membership fee of ₹100 + GST, which is waived when you spend ₹5,000 or more on eligible categories in the previous month.
How do I earn 5X reward points on the RBL Monthly Treats Mastercard Credit Card?
You earn 5X reward points on eligible online spends such as e-commerce, apps and web payments made with the RBL Monthly Treats Mastercard Credit Card. For these transactions, you earn 5 Reward Points per ₹100 spent, while eligible offline spends earn 1 Reward Point per ₹100.
What 10% cashback benefits are available on the RBL Monthly Treats Mastercard Credit Card?
The RBL Monthly Treats Mastercard Credit Card offers 10% savings on popular brands such as Zomato, Myntra, Uber and BookMyShow, subject to offer terms. Typically, cashback is capped at around ₹300 per brand per month and reflected in your monthly statement, over and above any app or merchant discounts.
Does the RBL Monthly Treats Mastercard Credit Card offer a fuel surcharge waiver?
Yes. The card provides a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at fuel stations across India, with the reversal capped at ₹150 per billing cycle. GST and other fees may still apply as per network and bank rules.
Who should consider getting the RBL Monthly Treats Mastercard Credit Card?
The RBL Monthly Treats Mastercard Credit Card is best suited for millennials and urban customers who spend heavily on online shopping, food delivery, movies, fashion and cab rides. If most of your spends are digital and you can comfortably hit ₹5,000 monthly spends, the 5X rewards, 10% cashback and fee waiver together can deliver strong value.
Is the RBL Monthly Treats Mastercard Credit Card still open for new applications?
According to RBL Bank’s latest communication, new applications for the Monthly Treats Credit Card are currently not being accepted. Existing cardholders can continue to enjoy their benefits, while new customers are encouraged to explore similar cards like the RBL Cookies Credit Card for comparable 5X online rewards and lifestyle offers.
What is the foreign currency markup on the RBL Monthly Treats Mastercard Credit Card?
The RBL Monthly Treats Mastercard Credit Card charges a foreign currency markup of 3.5% plus applicable taxes on all international and cross-border transactions. If you travel abroad often, you may want to pair this card with a dedicated low-forex or 0% markup travel credit card.
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