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RBL Bank

NOVA™ Credit Card

A super-premium travel card with an issuer-confirmed ₹1-per-point value and generous lounge access, aimed at cardholders who can clear the ₹10 lakh annual-spend fee waiver.

Joining fee
₹0
Annual fee
₹12,500
Status
Open
Verified
2 September 2026
NOVA™ Credit Card

Fees

Joining fee
₹0
Annual fee
₹12,500
Fee waiver
Waived above ₹10,00,000 annual spend
Forex markup
2%
APR
40.8% p.a.
Monthly finance charge
3.4%

Rewards

reward points

  • everything-else: 2%
  • travel-flights, travel-hotels: 6%Flight/hotel bookings and e-Gift Card purchases via nova.rbl.bank.in only; capped at 30,000 accelerated points (₹30,000) per month.

Milestone rewards

  • ₹3,00,000 spend: ₹10,000 e-Gift Card (Taj Experiences / Tata CLiQ Luxury / MakeMyTrip / Marriott Bonvoy) per calendar quarter of ₹3 lakh+ spend

Points expire 36 months after they're earned. Transferable to airline/hotel partners at 2 RBL points = 1 partner point. Welcome and renewal benefit: a ₹12,500 Taj Experiences/Luxe e-Gift Card each year, gated on a retail transaction within 37 days of issuance (renewal: fee payment) and credited within 60 days.

Travel

Domestic lounge
12/year
International lounge
12/year
Forex markup
2%

Both pools are shared across the primary cardholder, add-on cardholders, and accompanied guests. The international pool separately unlocks 4 additional guest/add-on visits beyond the primary cardholder's 12.

Eligibility

Not published by the issuer.

No specific eligibility criteria published by the issuer.

Why this card may suit you

  • The annual fee is waived once you spend 10,00,000 in a year.
  • It includes airport lounge access, useful if you travel by air a few times a year.

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