rbl nova credit card
RBL Bank
last updated: Nov 21, 2025
₹12,500
₹12,500
2%
24 visits/yr
Contents
RBL Nova is a premium metal credit card designed for affluent travellers and lifestyle seekers. It offers accelerated rewards on flights and hotels, complimentary domestic and international lounge visits, golf privileges and attractive redemption value for points. Ideal for frequent travellers who value experiential benefits and high reward rates.
Features of rbl nova credit card which makes it unique
High Redemption Value
1 Reward Point = ₹1 on RBL redemption portal
Straightforward point value simplifies redemption
Better than many base point-value schemes
Golf & Lifestyle Privileges
4 complimentary golf rounds and 12 lessons per year
Lifestyle experiences included
Competitive against other premium cards
Rewards Structure of rbl nova credit card
Travel & Hotels
acceleratedBookings via nova.rbl.bank.in and flight/hotel purchases
High earn on travel and hotel bookings; 1 point = ₹1 redemption value on RBL portal and partners.
Dining
acceleratedSelect fine-dining restaurants
Up to 10% off at selected restaurants as per bank offers.
Base Earn
baseAll purchases (exclusions apply)
Standard earn rate on regular spends. Exclusions: fuel, utilities, insurance, wallet loads, government payments, EMIs.
Milestones of rbl nova credit card
Quarterly Spend Reward
₹3,00,000 (calendar quarter) : INR 10,000 gift card
Annual Achiever
TBD (bank offers) : Additional lifestyle benefits as per RBL promotions
Fees & Charges of rbl nova credit card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹12,500 |
| Annual Fee | ₹12,500 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Standard renewal; benefits and fee reversals based on spend and bank offers.
Fee Explanation Standard bank rates and service charges apply. Refer to RBL Bank T&Cs for full schedule.
Lounge Access Benefits with rbl nova credit card
domestic Lounges
silverVisits per year: 12
Guest access: No
Complimentary domestic lounge visits for primary cardholder; check Priority Pass / bank list for participating lounges.
international Lounges
silverVisits per year: 12
Guest access: Yes
Complimentary international lounges plus guest visits as per bank policy.
Insurance Coverage with rbl nova credit card
Travel Insurance
₹10,00,000Valid on international trips; subject to insurer T&Cs.
Purchase Protection
₹50,000Covers eligible purchases for a limited period (e.g., 90 days).
Additional Features of rbl nova credit card
Contactless Payments
Tap-and-pay enabled for NFC terminals
Add-on Cards
First two add-on cards complimentary
Add-on card benefits mirror primary in many categories.
Welcome Bonus with rbl nova credit card
Welcome Bonus: INR 12,500 gift card (Taj Experiences or Luxe)
Bonus Conditions: Gift card for new cardholders, additional ₹10,000 gift card
Application Process for rbl nova credit card
Processing Time
5-10 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via RBL Bank or Finanjo portal
Upload KYC and income documents
Receive verification call or email from bank
Card dispatched as per bank timelines
Required Documents for rbl nova credit card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
rbl nova credit card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for rbl nova credit card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹50,000
Minimum annual income
Self-Employed Applicants
₹75,000
Minimum annual income
Who Can Apply
Important Conditions
- Primary cardholders must provide valid PAN and Aadhaar; KYC as per RBI guidelines.
How Approval Is Decided
- Minimum income as specified (varies by applicant profile)
- Indian resident with valid KYC
- Credit score above 700 preferred
Pros of rbl nova credit card
- Excellent travel rewards on bookings
- Multiple lounge visits included
- Attractive welcome gift card
Cons of rbl nova credit card
- High annual/joining fee (premium positioning)
- Rewards exclusions on a few essential categories (fuel, utilities)
Frequently Asked Questions about rbl nova credit card
What is the welcome benefit for the RBL Nova card?
You receive an INR 12,500 gift card from Taj Experiences or Luxe as the welcome benefit.
How many reward points do I earn on travel bookings?
You earn 12 Reward Points for every ₹200 spent on flights and hotel bookings via nova.rbl.bank.in.
How many lounge visits are included?
The card offers 12 complimentary domestic lounge visits and 12 complimentary international lounge visits, with limited guest visits for international lounges.
What is the foreign transaction fee?
Foreign (cross-border) transactions attract a lower fee (around 2% as published by the bank).
Is the card metal and who should apply?
Yes — Nova is a premium metal credit card best suited for frequent travellers and lifestyle-focused customers who can justify the annual fee with high travel spends.
Which spends are excluded from reward points?
Exclusions typically include fuel, utilities, insurance, wallet loads, government services, cash transactions and EMIs.
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