M16S / RBL Bank / RBL Apex Credit Card
entry · cashback
RBL Apex Credit Card
The RBL Apex Credit Card costs Rs 1,000 a year. Its base return is 1% (1% cashback on eligible purchases). Accelerated earn: 2% uncapped on flights, hotels, shopping and vouchers bought through the RBL rewards portal. The forex markup is 3.5%. Lounge visits in India: 1 per calendar quarter. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 1,000+ GST
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.99%a month
Apply on rbl.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 1,000 |
| Fee notes | Rs 1,000; nil if a new RBL savings account is opened |
Rewards
| Welcome benefit | Vouchers worth over Rs 1,000 (dine and fly) after a transaction in 30 days and fee payment |
|---|---|
| Reward currency | Cashback |
| Base earn | 1% cashback on eligible purchases |
| Base return | 1% |
| Accelerated earn | 2% uncapped on flights, hotels, shopping and vouchers bought through the RBL rewards portal |
| Caps | 1% tier capped at Rs 500 per billing month |
| Spends that earn nothing | No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions |
| Milestone benefits | Rs 1,000 cashback at Rs 2 lakh annual eligible spend; Rs 2,000 more at Rs 4 lakh |
| Reward notes | base_return_pct = 1% cashback, capped at Rs 500 a month. No redemption fee. |
Travel and perks
| Domestic lounge | 1 per calendar quarter |
|---|---|
| International lounge | None stated |
| Lounge conditions | Needs Rs 35,000 eligible spend |
| Forex markup | 3.5% |
| Other freebies | BookMyShow buy 1 get 1 up to Rs 100 once a month |
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 | Read on the issuer product page; product T&C PDF linked there was not opened. 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 RBL Apex Credit Card?
- Rs 1,000 a year, before GST.
- Does the RBL Apex Credit Card give airport lounge access?
- Yes. In India: 1 per calendar quarter. Outside India: none listed. Conditions: Needs Rs 35,000 eligible spend
- What is the forex markup on the RBL Apex Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the RBL Apex Credit Card?
- No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions