RBL Monthly Treats Visa Credit Card
RBL Bank
last updated: Nov 28, 2025
₹1,200
₹0
3.5%
No lounge access
Contents
RBL Monthly Treats Visa is a low-cost, digital-first cashback/rewards card aimed at regular online shoppers and app users. It offers accelerated online rewards, partner app cashback, and a small monthly membership that can be waived with reasonable monthly spends. Best suited for users who make frequent small-to-medium online purchases.
Features of RBL Monthly Treats Visa Credit Card which makes it unique
Monthly Offers Catalogue
Rotating monthly deals across lifestyle and entertainment delivered via app/website.
Fresh, short-term savings for regular users.
More dynamic than static annual cashback structures.
Milestone Vouchers
Vouchers issued on meeting high membership-year spends.
Additional value for high annual spenders.
Vouchers are brand-focused rather than pure statement credits.
Rewards Structure of RBL Monthly Treats Visa Credit Card
Online
acceleratedOnline merchants and app transactions
Designed for e-commerce and app shoppers.
Base
baseEligible offline transactions
Base earn rate for most offline spends.
Partner Cashback
baseSelect partners (Zomato, BookMyShow, Myntra, Uber)
Subject to partner-specific T&C and monthly caps.
Milestones of RBL Monthly Treats Visa Credit Card
Milestone Voucher Tier 1
₹200,000 (membership year) : Partner vouchers worth ₹1,000
Milestone Voucher Tier 2
₹500,000 (membership year) : Partner vouchers worth ₹5,000
Fees & Charges of RBL Monthly Treats Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | ₹1,200 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Monthly membership fee ₹100 + GST; subsequent month fee waived if eligible monthly spends ≥ ₹5,000 in previous month.
Fee Explanation Monthly membership fee applies; finance charges and other fees follow RBL schedule of charges. Refer to bank SOC for full details. | Late payment fee details: 12.5% of outstanding (min ₹5 / max ₹1,300)
Additional Features of RBL Monthly Treats Visa Credit Card
Contactless Payments
Tap-to-pay enabled
Add-on Cards
Add-on cards available as per bank policy
Welcome Bonus with RBL Monthly Treats Visa Credit Card
Welcome Bonus: NA
Bonus Conditions: No standalone welcome gift published; ongoing partner cashback and monthly rewards apply as per bank T&C.
Application Process for RBL Monthly Treats Visa Credit Card
Processing Time
7-14 business days (typical)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit RBL Bank credit cards page and select Monthly Treats (if available)
Apply online and upload KYC & income documents
Receive verification call from the bank
Card dispatched upon approval (typical timelines 7–14 business days)
Required Documents for RBL Monthly Treats Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
RBL Monthly Treats Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India (Visa network)
International Acceptance
Accepted at Visa merchants globally (subject to forex charges)
Online Acceptance
Yes (online spends attract accelerated rewards)
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Monthly Treats Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹15,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar; resident Indians only. Card issuance subject to bank approval.
How Approval Is Decided
- Minimum age 21 years
- Resident Indian
- Indicative minimum income and credit history (approx. salaried income ₹15,000/month; credit score >650) — final decision at bank's discretion
Pros of RBL Monthly Treats Visa Credit Card
- Affordable monthly cost with straightforward waiver
- High earn on online spends
- Useful partner cashback for entertainment & shopping apps
Cons of RBL Monthly Treats Visa Credit Card
- Benefits are heavily spend-linked
- No published standalone welcome bonus
- Reward redemption fee applies (₹99 + GST)
Frequently Asked Questions about RBL Monthly Treats Visa Credit Card
Is there a joining fee for RBL Monthly Treats?
No joining fee. The card levies a monthly membership of ₹100 + GST (₹1,200/year) which is waiver-eligible based on monthly spends.
How do I get the monthly membership fee waived?
Spend ₹5,000 or more in eligible transactions in a calendar month to receive a waiver of the subsequent month's ₹100 + GST fee.
What is the earn rate on the card?
The card offers 5x reward points on online spends (advertised) and 1 reward point per ₹100 on base/offline spends. Partner cashback (10%) is separate and capped monthly.
Is there a welcome bonus on this card?
No specific welcome bonus is published; the card focuses on ongoing monthly partner cashback, online rewards and milestone vouchers.
Are there any fees to redeem reward points?
Yes — a reward redemption fee of ₹99 + GST per redemption is applicable as per bank policy.
What are the foreign transaction and fuel surcharge charges?
Foreign currency markup up to 3.5% per transaction. Fuel surcharge reversal up to ₹150 per month for eligible fuel transactions (see bank T&C).
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