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RBL Bank

Monthly Treats Credit Card

A monthly-billed rewards card RBL's own page says is being replaced by Cookies, yet still lists as live in its category catalog and fee schedule.

Joining fee
₹0
Annual fee
₹1,200
Status
Closed
Verified
2 September 2026

Fees

Joining fee
₹0
Annual fee
₹1,200
Forex markup
3.5%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

reward points

  • everything-else: 1 points / ₹100
  • other-online: 5 points / ₹100Online spends (5X).
  • dining: 10%Zomato, Myntra, and Uber only; max ₹300 per brand, combined monthly cap ₹900.

Milestone rewards

  • ₹2,00,000 spend: ₹1,000 voucher (Amazon/Flipkart/Myntra/Croma/Shoppers Stop)
  • ₹5,00,000 spend: ₹5,000 voucher

RBL states reward points redeem "up to INR 0.20 per point" — a ceiling, not a guaranteed floor. This card actually bills ₹100/month (waived for any month with ₹5,000+ spend) rather than a simple annual fee; the ₹1,200 figure here approximates that mechanic. RBL's own product page describes this card as being replaced by Cookies (see Provenance).

Eligibility

Not published by the issuer.

Why this card may suit you

  • Rewards pay back as cashback rather than points that need redeeming.

Source & Verification

Verified from official issuer sources. Last verified 2 September 2026

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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