RBL Bank NOVA Credit Card

₹14,750 plus GST, waived on ₹10,00,000 of annual spend.

The strongest published rate is 12% on flights, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.

Yes. The issuer publishes no additional spend condition for this card's lounge access.

Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.

The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.

Redeemed at 1 Reward Point to Rs. 1 of redemption value

You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.

Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?

A late payment fee and interest will be charged. Missing payments can also impact your credit score.

Twelve complimentary domestic lounge visits and twelve international visits a year, plus four complimentary guest visits outside India. That is twenty-four visits for the cardholder and four for a companion — the largest lounge allowance of any card in our catalogue.

The fee is Rs. 12,500 plus GST, which is Rs. 14,750, and the welcome benefit is a gift card worth Rs. 12,500 from Taj Experiences or Luxe — so the first year is close to free once the fee is paid and a retail transaction made. The same gift card comes again on each anniversary, which is unusual: most cards pay a welcome benefit once. Beyond that, the fee is waived outright at Rs. 10,00,000 of spending in an anniversary year.

12 Reward Points per Rs. 200 on flight bookings and hotel stays, and 4 per Rs. 200 on everything else. RBL publishes 1 Reward Point as Rs. 1 of redemption value, so those read as 6% back on travel and 2% elsewhere — and 2% on general spending is high for this catalogue.

2% on cross-border purchases, against the 3.5% almost every other card here charges. On Rs. 1,00,000 spent abroad that is about Rs. 1,770 less once GST is added, which on a card aimed at international travellers matters as much as the lounge count.

Yes. Points not redeemed within thirty-six months of being earned expire and are forfeited. At a 2% base rate an active holder will clear them long before that, but a card left unused will lose the welcome balance.

RBL does not publish either for this card, which is why we have left both fields empty rather than filling them with another card's numbers. Given the fee tier and the benefit set it is plainly aimed at high earners; the branch will confirm the criteria applied to your application.