TVS Credit RBL Bank Gold RuPay Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹1,500
₹1,500
3.5%
8 visits/yr
Contents
TVS Credit RBL Bank Gold RuPay Credit Card is a co-branded rewards credit card designed for everyday shopping, travel, and dining, especially for TVS Credit customers. You earn 2 reward points per ₹100 on select domestic spends, 10 reward points per ₹100 on international transactions, plus 5% cashback on dining via EazyDiner. The card also offers domestic and international airport lounge access, UPI-enabled RuPay credit card payments, NCMC transit tap-and-pay, and a monthly fuel surcharge waiver, making it a strong choice for urban shoppers and frequent travellers.
Features of TVS Credit RBL Bank Gold RuPay Credit Card which makes it unique
TVS Credit Co-Branded Benefits
Co-branded card issued in partnership with TVS Credit to reward everyday shoppers and existing TVS Credit customers.
Better alignment with TVS ecosystem and curated offers over time.
More focused on mass affluent shoppers than many generic entry-level cards.
RuPay + UPI + NCMC Combination
Single RuPay credit card that works for UPI payments, contactless transit rides, and regular POS/online transactions.
Highly convenient for daily commute, UPI spends, and shopping with one card.
Provides broader use-cases than many traditional Visa/Mastercard-only lifestyle cards.
Rewards Structure of TVS Credit RBL Bank Gold RuPay Credit Card
International Spends
baseAll eligible international retail purchases made on the RuPay variant where international acceptance is enabled.
High reward rate on foreign currency transactions; foreign currency markup of 3.5% still applies.
Dining via EazyDiner
baseRestaurant bills paid via EazyDiner as per offer terms and conditions on partner platform.
Cashback is over and above regular reward points where applicable; only eligible EazyDiner partner restaurants and payment flows qualify.
Domestic Spends
baseEligible everyday domestic purchases under select categories such as shopping, dining, and online spends, excluding fuel, rent, wallet loads, and other restricted MCCs as per RBL Bank policy.
Base rewards apply only on eligible domestic retail transactions; utilities, rent, wallet loads and certain categories may not earn reward points.
Milestones of TVS Credit RBL Bank Gold RuPay Credit Card
Quarterly Shopping & Dining Milestone
₹50,000 per calendar quarter on select categories : Vouchers worth ₹500 for dining or shopping on meeting the quarterly spend condition.
Annual Rewards Milestone
₹2,50,000 in a card anniversary year under select categories : 6,000 bonus reward points credited after crossing the annual milestone threshold.
Fees & Charges of TVS Credit RBL Bank Gold RuPay 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 | 0 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Standard renewal fee of ₹1,500 + GST is charged from the second year onwards; any waiver, if applicable, will be as per the then-current RBL Bank policy.
Fee Explanation Standard RBL Bank credit card charges apply, including 3.99% p.m. finance charges on revolved balances, 2.5% (min ₹500) cash advance fee, late payment fee up to 12.5% of outstanding (max ₹1,300), and 3.5% foreign currency markup on international transactions.
Detailed Explanation of TVS Credit RBL Bank Gold RuPay Credit Card Fees
Joining Fee: ₹1,500 + GST (once)
Charged in the first year; welcome benefits are linked to payment of this fee.
Annual Renewal Fee: ₹1,500 + GST (yearly)
Charged from the second year onwards as per prevailing RBL Bank policy.
Cash Advance Fee: 2.5% (min ₹500) (per transaction)
Applicable on domestic and international cash withdrawals from ATMs.
Foreign Currency Markup: 3.5% (per transaction)
Levy on all international transactions over and above currency conversion charges.
Late Payment Fee: Up to 12.5% of outstanding (max ₹1,300) (per statement cycle)
Charged if minimum amount due is not paid by the due date; slabs as per RBL Bank schedule.
Lounge Access Benefits with TVS Credit RBL Bank Gold RuPay Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Complimentary domestic airport lounge access on meeting quarterly spend conditions: minimum spends of ₹50,000 per calendar quarter unlock 1 complimentary visit and spends of ₹75,000 per quarter unlock up to 2 visits, subject to RuPay/RBL Bank lounge program terms.
international Lounges
silverVisits per year: 4
Guest access: No
Complimentary international lounge access on eligible RuPay global lounges with minimum quarterly spends of ₹1,00,000 in select categories; exact lounge list and access limits as per RuPay/RBL Bank programme at the time of travel.
Insurance Coverage with TVS Credit RBL Bank Gold RuPay Credit Card
Zero Liability on Lost Card
As per RBL Bank credit card policyCardholder is protected against unauthorised transactions after reporting loss or theft to RBL Bank through official channels.
Additional Features of TVS Credit RBL Bank Gold RuPay Credit Card
UPI on RuPay Credit Card
Link the RuPay credit card to UPI apps for secure payments using the credit limit instead of bank balance.
Available on supported UPI apps as per NPCI and RBL Bank guidelines; transaction limits and MCC restrictions apply.
NCMC Transit Tap-and-Pay
NCMC-enabled contactless payments for metros, buses, and other transit systems.
Acceptance depends on participating transit operators and NCMC-enabled terminals.
Contactless Payments
Tap-and-pay for small-ticket purchases without inserting the card or entering PIN up to the RBI prescribed limit.
Above the contactless limit or where mandated, PIN verification is required.
EMI Conversion
Convert high-value purchases into flexible EMIs through RBL Bank channels.
EMI tenure, interest rate, and processing fee as per prevailing RBL Bank offers and eligibility.
Add-on Cards
Option to issue supplementary cards for family members.
Primary cardholder remains liable for all spends on add-on cards; age and KYC conditions apply.
Welcome Bonus with TVS Credit RBL Bank Gold RuPay Credit Card
Welcome Bonus: 6,000 Reward Points
Bonus Conditions: Welcome benefit is applicable only on the first retail transaction within 30 days of card setup after successful payment of the joining fee by the due date.
Application Process for TVS Credit RBL Bank Gold RuPay Credit Card
Processing Time
5-7 business days after successful verification
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Visit the TVS Credit website, RBL Bank website, TVS Credit Saathi app, or a participating TVS Credit branch.
Fill in the online application form with personal, employment, and income details.
Upload or provide KYC documents such as PAN, Aadhaar, address proof, and income proof as required.
Allow RBL Bank to evaluate your credit profile and eligibility as per internal policy.
On approval, receive your virtual card details for online use, followed by physical card dispatch within a few working days.
Required Documents for TVS Credit RBL Bank Gold RuPay Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
TVS Credit RBL Bank Gold RuPay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India at RuPay-enabled POS terminals, online merchants and transit systems.
International Acceptance
International acceptance at RuPay Global partner networks where RuPay credit cards are supported; acceptance may be limited compared to Visa or Mastercard.
Online Acceptance
Accepted at most Indian e-commerce websites and apps that support RuPay credit cards and UPI-based payments.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for TVS Credit RBL Bank Gold RuPay 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 must be between 21 and 70 years, have a stable income, valid PAN and Aadhaar, and meet RBL Bank’s internal credit and KYC policy.
How Approval Is Decided
- Applicant must be an Indian resident aged between 21 and 70 years.
- Stable monthly income meeting the minimum income requirement for salaried or self-employed profiles.
- Satisfactory credit score and credit history as per RBL Bank’s internal risk criteria.
- Clean KYC documents and no negative profile flags as per bank and regulatory guidelines.
Pros of TVS Credit RBL Bank Gold RuPay Credit Card
- Generous welcome benefit of 6,000 reward points on first transaction after fee payment.
- 2 RP/₹100 on eligible domestic spends and 10 RP/₹100 on international spends.
- 5% cashback on dining via EazyDiner, ideal for frequent restaurant-goers.
- Complimentary domestic and international airport lounge access linked to achievable quarterly spends for higher spenders.
- UPI, RuPay, and NCMC support makes it very useful for daily payments and commuting.
Cons of TVS Credit RBL Bank Gold RuPay Credit Card
- Joining and annual fee of ₹1,500 + GST may feel high for low spenders.
- Lounge access is conditional on high quarterly spends, limiting value for light users.
- Fuel, rent, wallet loads and some utility categories may not earn reward points.
- Foreign currency markup of 3.5% reduces the net value of international spends despite higher reward rate.
Frequently Asked Questions about TVS Credit RBL Bank Gold RuPay Credit Card
What is the joining and annual fee for the TVS Credit RBL Bank Gold RuPay Credit Card?
The TVS Credit RBL Bank Gold RuPay Credit 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.
How does the welcome benefit of 6,000 reward points work on this card?
You earn 6,000 reward points as a welcome benefit when you pay the joining fee in full and make your first eligible retail transaction within 30 days of card issuance, subject to RBL Bank and TVS Credit terms and conditions.
What reward rate do I get on domestic and international spends with the TVS Credit RBL Bank Gold RuPay Credit Card?
On eligible domestic spends you earn 2 reward points per ₹100, while international transactions earn 10 reward points per ₹100, in addition to special 5% cashback on EazyDiner dining transactions as per offer terms.
Does the TVS Credit RBL Bank Gold RuPay Credit Card offer airport lounge access?
Yes, the card offers complimentary domestic and international airport lounge access through the RuPay/RBL Bank lounge program when you meet quarterly spend thresholds such as ₹50,000 or ₹75,000 for domestic and ₹1,00,000 for international access, as per prevailing terms.
Can I use the TVS Credit RBL Bank Gold RuPay Credit Card for UPI payments and metro or bus travel?
Yes, the RuPay variant can be linked to UPI apps like Google Pay, PhonePe and Paytm for credit-card-backed UPI payments and comes with NCMC functionality for tap-and-pay transactions at supported metro and bus systems.
Is the TVS Credit RBL Bank Gold RuPay Credit Card good for fuel and everyday shopping?
The card is well-suited for everyday shopping because it offers 2 RP/₹100 on eligible spends and 5% dining cashback via EazyDiner. It also provides a 1% fuel surcharge waiver up to ₹200 per month on eligible fuel transactions, although fuel spends generally do not earn reward points.
Who should consider applying for the TVS Credit RBL Bank Gold RuPay Credit Card?
This card is ideal for urban professionals and regular shoppers who frequently dine out, travel by air or public transport, spend via UPI, and can achieve moderate to high spends to unlock lounge access and milestone rewards each quarter and year.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.