TVS Credit RBL Bank Gold Mastercard Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹1,500
₹1,500
3.5%
12 visits/yr
Contents
TVS Credit RBL Bank Gold Mastercard Credit Card is a co-branded rewards card from RBL Bank and TVS Credit, designed for shoppers who want strong day-to-day rewards with premium lifestyle benefits. You earn 2 reward points per ₹100 on eligible domestic spends and an aggressive 10 reward points per ₹100 on international purchases, with 1 point worth up to ₹0.25. The card also offers 5% cashback on EazyDiner dining spends, quarterly and annual spend milestones, and complimentary airport lounge access based on your quarterly spends. It suits cardholders who spend regularly on shopping, dining and travel and are comfortable with a mid-range annual fee in exchange for higher long-term value.
Features of TVS Credit RBL Bank Gold Mastercard Credit Card which makes it unique
High International Reward Rate
Earn 10 reward points for every ₹100 spent on international transactions.
Delivers around 2.5% effective reward value on overseas spends.
Higher than typical 1–2 reward points/₹100 on many competing international cards.
Multi-layered Milestone Structure
Quarterly vouchers, domestic and international lounge benefits, and an annual bonus of 6,000 reward points.
Heavy spenders can recover the annual fee and generate surplus value each year.
More milestone triggers than many other mid-fee co-branded cards.
Rewards Structure of TVS Credit RBL Bank Gold Mastercard Credit Card
Dining via EazyDiner
baseRestaurant bookings and payments routed through EazyDiner on the card.
Ideal for frequent diners who book tables via EazyDiner; effective savings of 5% on eligible spends.
Fuel Spends
baseFuel transactions between ₹400 and ₹5,000 at eligible fuel stations in India.
Helps offset fuel surcharge but fuel transactions are excluded from earning reward points and milestone benefits.
Domestic Spends
baseEligible domestic retail purchases in select categories, excluding fuel, utilities, rent, insurance, government payments and other excluded MCCs.
Approximate reward rate of 0.5% in value as 1 Reward Point is worth up to ₹0.25.
International Spends
baseAll eligible international retail transactions made in foreign currency.
Approximate reward rate of 2.5% on international spends, before forex markup.
Milestones of TVS Credit RBL Bank Gold Mastercard Credit Card
Quarterly Voucher Milestone
₹50,000 per calendar quarter (eligible categories only) : Dining or shopping voucher worth ₹500.
Enhanced Domestic Lounge Milestone
₹75,000 per calendar quarter (eligible categories only) : 2 complimentary domestic airport lounge visits in that quarter (1 visit unlocked at ₹50,000, upgraded to 2 visits at ₹75,000).
International Lounge Milestone
₹1,00,000 per calendar quarter (eligible categories only) : 1 complimentary international airport lounge visit per quarter.
Annual Spend Milestone
₹2,50,000 in an anniversary year (eligible categories only) : 6,000 bonus reward points credited after the annual spend threshold is met.
Fees & Charges of TVS Credit RBL Bank Gold Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,500 |
| Annual Fee | ₹1,500 |
| 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:Standard renewal fee of ₹1,500 + GST from 2nd year onwards; no official annual fee waiver based on spends.
Fee Explanation Standard RBL Bank credit card charges apply: finance charges around 3.99% per month on revolving balances, cash advance fee 2.5% (minimum ₹500), late payment fee up to ₹1,300 depending on statement amount, overlimit and returned payment fees as per MITC. Always refer to the latest MITC and Schedule of Charges on RBL Bank’s website.
Detailed Explanation of TVS Credit RBL Bank Gold Mastercard Credit Card Fees
Joining Fee: ₹1,500 + GST (once)
Charged in the first year on card setup; not waived by default.
Renewal Fee: ₹1,500 + GST (yearly)
Charged from the second year onwards; no spend-based waiver currently specified.
Finance Charges: Up to 3.99% per month (47.88% p.a.) (monthly)
Applied on revolving balances and unpaid amounts as per RBL Bank MITC.
Cash Advance Fee: 2.5% of amount (min ₹500) (transaction)
Charged on cash withdrawals from ATMs along with immediate finance charges.
Late Payment Fee: Up to ₹1,300 per statement cycle (monthly)
Slab-based fee depending on the total due amount; refer to latest MITC for slabs.
Forex Markup: 3.5% of transaction value (transaction)
Charged on all international transactions over and above network exchange rate.
Fuel Surcharge Waiver: Up to ₹200 waiver per month (monthly)
1% fuel surcharge waived on fuel spends between ₹400 and ₹5,000 per transaction; GST and other charges may not be waived.
Lounge Access Benefits with TVS Credit RBL Bank Gold Mastercard Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
1 complimentary domestic airport lounge visit per calendar quarter after ₹50,000 eligible spends; upgraded to 2 visits per quarter on ₹75,000 eligible spends. Visits are for primary cardholder only and subject to participating lounges and networks.
international Lounges
silverVisits per year: 4
Guest access: No
1 complimentary international airport lounge visit per calendar quarter on achieving ₹1,00,000 eligible spends in that quarter. Access via participating international lounge programs; cardholder-only benefit.
Insurance Coverage with TVS Credit RBL Bank Gold Mastercard Credit Card
Lost Card Liability Cover
Up to full credit limit after reportingZero liability for fraudulent transactions after loss is reported to RBL Bank as per cardmember agreement and MITC.
Purchase Protection
As per RBL Bank’s group insurance policyApplicable on select card variants and eligible transactions; refer to Key Fact Statement and product T&Cs for detailed coverage.
Additional Features of TVS Credit RBL Bank Gold Mastercard Credit Card
Contactless Payments
Tap-and-pay enabled for quick payments at NFC-enabled POS terminals.
Contactless transactions allowed up to the limit specified by network and RBI; PIN may be required above certain amounts.
EMI Conversion
Convert eligible purchases and total dues into EMIs through RBL MyCard app or customer care.
Minimum transaction amount and processing fee apply; tenure and interest rate as per bank’s prevailing offers.
Instant Loans on Card
Pre-approved loan offers on the card limit credited directly to your bank account.
Available to select customers based on internal eligibility; terms shared at the time of offer.
Add-on Cards
Complimentary add-on cards for close family members.
Add-on holders must meet minimum age criteria; primary cardholder remains liable for all spends.
RBL MyCard Mobile App
Manage card, track spends, view statements, and redeem rewards via the MyCard app.
Requires active internet connection and registration with your registered mobile number.
Welcome Bonus with TVS Credit RBL Bank Gold Mastercard Credit Card
Welcome Bonus: 6,000 reward points
Bonus Conditions: Joining fee must be paid by the due date and a valid retail transaction should be made within 30 days of card issuance. Reward points are credited once and can be redeemed on the RBL Rewards portal.
Application Process for TVS Credit RBL Bank Gold Mastercard Credit Card
Processing Time
Typically 5–7 working days after successful application and document verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official TVS Credit website, TVS Credit Saathi app or designated TVS Credit branches and click on the TVS Credit RBL Bank Gold Credit Card apply option.
Fill in your personal, income and contact details and consent to the checks required by RBL Bank.
Upload or submit KYC and income documents such as PAN, Aadhaar, address proof and bank statements.
RBL Bank evaluates your application and may call you for verification or additional information if required.
On approval, your credit limit is assigned and the physical card is dispatched to your mailing address, while you can start tracking and managing it via the RBL MyCard app.
Required Documents for TVS Credit RBL Bank Gold Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self_employedAccepted documents:
TVS Credit RBL Bank Gold Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across offline stores, fuel stations, restaurants and e-commerce websites in India that support Mastercard.
International Acceptance
Accepted at millions of merchants and ATMs worldwide on the Mastercard network.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for TVS Credit RBL Bank Gold Mastercard Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Approval is subject to RBL Bank’s internal credit policy, stable verifiable income, and a clean credit history. Individuals aged 21–70 years can apply; add-on cardholders must be at least 18 years old.
How Approval Is Decided
- Indian resident between 21 and 70 years of age.
- Stable income meeting RBL Bank’s minimum requirement (typically ₹25,000 per month or higher).
- Good credit history with no recent major defaults and a credit score near or above 750.
- Satisfactory internal risk checks as per RBL Bank and TVS Credit co-branded card policy.
Pros of TVS Credit RBL Bank Gold Mastercard Credit Card
- Excellent rewards on international transactions compared to typical mid-fee cards.
- Good everyday reward rate on eligible domestic spends.
- Multiple complimentary lounge visits each year for both domestic and international travel.
- Valuable quarterly and annual milestones that can offset the annual fee.
- Extra savings on dining through EazyDiner cashback.
Cons of TVS Credit RBL Bank Gold Mastercard Credit Card
- Annual fee of ₹1,500 + GST with no simple fee waiver condition.
- Rewards and lounge milestones exclude a long list of categories such as utilities, rent and wallet loads.
- Forex markup of 3.5% reduces the net benefit on international spends despite high rewards.
- Best value is unlocked only if you consistently hit quarterly spend milestones.
Frequently Asked Questions about TVS Credit RBL Bank Gold Mastercard Credit Card
What is the joining and annual fee for the TVS Credit RBL Bank Gold Mastercard Credit Card?
The card charges a joining fee of ₹1,500 + GST in the first year and an annual renewal fee of ₹1,500 + GST from the second year onwards. There is currently no standard spend-based waiver for the annual fee.
How do I earn reward points on the TVS Credit RBL Bank Gold Credit Card?
You earn 2 reward points per ₹100 on eligible domestic spends and 10 reward points per ₹100 on international transactions. 1 reward point is worth up to ₹0.25 when redeemed through the RBL Rewards portal. Excluded categories like fuel, utilities, rent, wallet loads and government payments do not earn points.
What are the lounge access benefits on this credit card?
You can get up to 2 complimentary domestic airport lounge visits per quarter based on domestic spend milestones and 1 complimentary international lounge visit per quarter on achieving ₹1,00,000 eligible spends. Lounge access is for the primary cardholder and is subject to participating lounges and terms mentioned in the product T&Cs.
How does the 5% EazyDiner cashback work?
When you book and pay for your dining reservations via EazyDiner using this card, you earn 5% cashback on eligible transactions, capped at ₹250 per calendar month. The benefit is over and above any EazyDiner discounts and is credited as per the card’s cashback cycle.
Is there a fuel surcharge waiver on the TVS Credit RBL Bank Gold Credit Card?
Yes, you get a 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000 at eligible fuel stations in India, capped at ₹200 per month. While the waiver reduces fuel surcharge, these transactions generally do not earn reward points or milestone benefits.
Who is eligible to apply for the TVS Credit RBL Bank Gold Mastercard Credit Card?
Any Indian resident between 21 and 70 years of age with a stable income and a good credit profile can apply, subject to RBL Bank’s internal credit checks. A minimum monthly income of around ₹25,000 and a credit score of about 750 or higher are generally preferred.
Who should consider getting this card and who should avoid it?
You should consider this card if you frequently shop and dine, travel domestically and internationally a few times a year, and can comfortably spend enough to hit the quarterly and annual milestones. You may want to avoid it if your spends are mostly in excluded categories like utilities or rent, or if you prefer a zero-annual-fee or pure cashback card.
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