The RBL Novio Credit Card costs Rs 500 a year. It earns 1 point per Rs 100. Accelerated earn: 2 points per Rs 100 online. The forex markup is 3.5%. Read from an aggregator, not the issuer on 11 Oct 2026.
RBLNovioCard design not shown
Annual fee
Rs 500+ GST
Fee waived at
—
Base return
—
Forex markup
3.5%
Interest
3.99%a month
Fees
Joining fee
Free
Annual feeunverified
Rs 500
Fee notes
Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront
Rewards
Welcome benefitunverified
2,000 points on Rs 5,000 spend within 30 days
Reward currency
Reward Points
Base earnunverified
1 point per Rs 100
Accelerated earnunverified
2 points per Rs 100 online
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
Listed by Card Insider only; not found in the issuer MITC fee table or issuer listing. 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 Novio Credit Card?
Rs 500 a year, before GST.
What is the forex markup on the RBL Novio Credit Card?
3.5% of each foreign-currency transaction, before GST.