The RBL Nova Credit Card costs Rs 12,500 a year, waived if you spend Rs 10,00,000 in a year. Its base return is 2% (4 points per Rs 200). Accelerated earn: 12 points per Rs 200 on flight bookings and hotel stays. The forex markup is 2%. Lounge visits in India: 12 per year. Abroad: 12 per year, plus 4 guest visits outside India. Read from the issuer's own documents on 11 Oct 2026.
Rs 12,500 + GST; waived on Rs 10 lakh eligible annual spend; first two add-on cards free
Rewards
Welcome benefit
Rs 12,500 gift card (Taj Experiences or Luxe)
Reward currency
Reward Points
Base earn
4 points per Rs 200
Base return
2%
Point value
1 point = Rs 1
Accelerated earn
12 points per Rs 200 on flight bookings and hotel stays
Caps
None stated
Spends that earn nothing
No base points on fuel & auto, education, utilities, insurance, quasi-cash, real estate/rent, wallets, government, contracted services, cash, Bills2Pay, EMI
Milestone benefits
Rs 10,000 gift card on Rs 3 lakh spend in a calendar quarter
Reward notes
base_return_pct = 4 points per Rs 200 x Rs 1 = 2%; 6% on flights and hotels. No redemption fee.
Transfers
Partners
Air India Maharaja Club, Singapore KrisFlyer, Qatar Airways Privilege Club
Ratio
2 Reward Points = 1 partner point
Travel and perks
Domestic lounge
12 per year
International lounge
12 per year, plus 4 guest visits outside India
Lounge conditions
Spend conditions not stated on the page
Forex markup
2%
Other freebies
Golf: 4 rounds and 12 lessons a year; 18g metal card
Charges and eligibility
Interest per month
3.4%
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
Network not confirmed on the page. 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 Nova Credit Card?
Rs 12,500 a year, before GST. It is waived if you spend Rs 10,00,000 in a year.
Does the RBL Nova Credit Card give airport lounge access?
Yes. In India: 12 per year. Outside India: 12 per year, plus 4 guest visits outside India. Conditions: Spend conditions not stated on the page
What is the forex markup on the RBL Nova Credit Card?
2% of each foreign-currency transaction, before GST.
Which spends earn no rewards on the RBL Nova Credit Card?
No base points on fuel & auto, education, utilities, insurance, quasi-cash, real estate/rent, wallets, government, contracted services, cash, Bills2Pay, EMI