RBL BankLast checked 11 Oct 2026closed to new applicants
The RBL Monthly Treats Credit Card costs Rs 1,200 a year. Its base return is 0.2% (1 point per Rs 100). Accelerated earn: 5X points online; 10% cashback on Zomato, Myntra, Uber. The forex markup is 3.5%. Read from the issuer's own documents on 11 Oct 2026.
RBLMonthly TreatsCard design not shown
Annual fee
Rs 1,200+ GST
Fee waived at
—
Base return
0.2%
Forex markup
3.5%
Interest
3.99%a month
Fees
Joining fee
Free
Annual fee
Rs 1,200
Fee notes
Rs 100 + GST per month; next month's fee waived on Rs 5,000 eligible spend in a calendar month
Rewards
Reward currency
Reward Points
Base earn
1 point per Rs 100
Base return
0.2%
Point value
Up to Rs 0.20 per point
Accelerated earn
5X points online; 10% cashback on Zomato, Myntra, Uber
Caps
Cashback Rs 300 per brand, Rs 900 per month
Spends that earn nothing
No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions
Milestone benefits
Rs 1,000 voucher at Rs 2 lakh annual spend; Rs 5,000 voucher at Rs 5 lakh
Reward notes
base_return_pct = 1 point per Rs 100 x Rs 0.20.
Travel and perks
Forex markup
3.5%
Fuel surcharge waiver
Rs 500-4,000 transactions, cap Rs 150/month
Other freebies
BookMyShow 10% off up to Rs 300 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
Issuer page states applications for Monthly Treats are no longer accepted and points applicants to Cookies. 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 Monthly Treats Credit Card?
Rs 1,200 a year, before GST.
What is the forex markup on the RBL Monthly Treats Credit Card?
3.5% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the RBL Monthly Treats Credit Card?
No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions