What is the forex markup on the LazyPay RBL Bank Credit Card?

3.5% of each foreign-currency transaction, before GST.

M16S / RBL Bank / LazyPay RBL Bank Credit Card

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LazyPay RBL Bank Credit Card

RBL Bank · with LazyPayLast checked 11 Oct 2026closed to new applicants fees only

The LazyPay RBL Bank Credit Card charges no annual fee and no joining fee. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.

Annual fee: Free
Fee waived at: —
Base return: —
Forex markup: 3.5%
Interest: 3.99%a month

Fees

Joining fee	Free
Annual fee	Free
Fee notes	Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront

Rewards

Reward currency	Reward Points

Travel and perks

Forex markup	3.5%

Charges and eligibility

Interest per month	3.99%
Late payment fee	12.5% of total amount due, min Rs 5, max Rs 1,300
Cash advance fee	2.5% min Rs 500
Fine-print notes	Nil annual fee per issuer MITC. A DesiDime thread title reports discontinuation from 3 Mar 2025; thread body not read. No reward terms documented. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.

Questions

What is the annual fee of the LazyPay RBL Bank Credit Card?: No annual fee.
What is the forex markup on the LazyPay RBL Bank Credit Card?: 3.5% of each foreign-currency transaction, before GST.