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RBL Bank

Aspire Banking Credit Card

A relationship-tier cashback card, free only for RBL's Aspire Banking segment — a general applicant cannot obtain it at all.

Joining fee
₹0
Annual fee
₹0
Status
Open
Verified
2 September 2026

Fees

Joining fee
₹0
Annual fee
₹0
Forex markup
3.5%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

cashback

  • everything-else: 1%
  • travel-flights, travel-hotels: 3%Flights/Hotels/Shop/Vouchers via the RBL Bank Rewards Portal only; uncapped.

Milestone rewards

  • ₹3,00,000 spend: ₹1,500 cashback
  • ₹5,00,000 spend: additional ₹3,000 cashback

Cashback is credited directly to the linked RBL savings account — no per-point INR conversion applies. The standard ₹99+GST reward redemption fee is waived for this card. Buy-1-get-1 BookMyShow movie offer, up to ₹150/month.

Travel

Domestic lounge
1/quarter
Forex markup
3.5%

India only, primary cardholder only (not add-on). No international lounge access.

Eligibility

Not published by the issuer.

Why this card may suit you

  • It costs nothing to hold — no joining or annual fee.
  • It includes airport lounge access, useful if you travel by air a few times a year.
  • Rewards pay back as cashback rather than points that need redeeming.
  • Good fit if you want a card without an ongoing cost to justify.

Source & Verification

Verified from official issuer sources. Last verified 2 September 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge