RBL Bank novio Credit Card

RBL Bank novio Credit Card is a Unique card offered by RBL Bank in association with Credilio.

Your RBL Bank novio Credit Card brings you the power to earn rewards on all your purchases:

2 Reward Points per INR 100 for all your online spends.
1 Reward Point per INR 100 for all other spends.

"There is a revenue sharing arrangement between RBL Bank and Credilio.com for this card".

RBL Bank novio Credit Card Highlights and Benefits:

Welcome Benefit

Reward Points 2,000 on making card purchases of INR 5,000 within 30 days of card issuance.

Annual Milestone Benefit

1,000 Reward Points^ upon spending INR 1.5 lakhs in entire year.
2,000 Reward Points^ upon spending INR 3 lakhs in entire year.

^Bonus milestone reward points on achieving annual spends will not include spends/purchases on select Merchant Categories(MCC*) including Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Bills2Pay, Miscellaneous and EMI conversion of retail transactions (Split-N-Pay & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App), fees (if any), charges & GST.

Reward Benefits

Enjoy rewards on each purchase. After all its your money.
Enjoy 2 Reward points per INR 100 on online spends and 1 Reward point per INR 100 on all other spends except on the following categories:

MCC Category	MCC Code*
Fuel & Auto	0032, 2541, 4001, 5542, 5541, 5172
Utilities	4900
Insurance	6300, 6310
Quasi-Cash	6050, 6051, 4829
Railways	0066, 4011, 4112
Real Estate/Rental	6513
Education	8220, 8244, 8249, 8211, 8241, 8299
Education	8299, 8211, 8249, 8244, 8220, 8241
Wallets/Service Providers	6540
Government Services	9400, 1490, 2490, 2995, 7800, 9406, 9222, 9405, 9399, 9211,9402,9401, 9311,9223
Contracted Services	1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780
Cash	6011, 6010
Miscellaneous	5960
Bills2Pay**	NA

**Bills2Pay is a facility provided by RBL Bank where Cardmembers can pay various utility bills via RBL MyCard App/RBL MoBank App/Internet banking channel.

*All categories/MCC’s are as per MasterCard, VISA & RuPay guidelines.

Interest only on the usage

Why pay interest on the entire amount when you are using only a fraction of it.

Payback in Easy EMIs

Buy using your RBL Bank novio Credit Card and Payback in easy EMIs at your convenience.

RBL Bank novio Credit Card is available on RuPay network.

For detailed Terms and Conditions, click here

RBL Bank novio Credit Card comes with a joining fee of INR 500 and an annual fee of INR 500 + GST.
With effect from August 15, 2022, a reward redemption fee of INR 99 + GST will be applicable on redemption of your available reward points earned on RBL Bank Credit Cards. Reward redemption fee will be levied one time for redemptions made in a single day.