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Dining

3.3/5 Editorial Score

RBL Bank Monthly Treats Credit Card

Subscription Rewards Card with 10% Cashback on Daily Essentials

Best Suited For

Metro food delivery regulars, weekend moviegoers, and households spending ₹5,000+ monthly on groceries

Dining

Joining Fee

₹100

One-time upfront

Annual Fee

₹1,200

Waived on ₹60,000 annual spend

Base Rewards

2 Reward Points per Rs 100 on retail spends (0.5% value back)

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

Applications Currently PausedCompare Card Official Terms

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

3.3/5 Editorial Score

The RBL Bank Monthly Treats Credit Card introduced an innovative subscription-based pricing structure to the Indian market, charging a monthly maintenance fee of ₹100 + GST (annualized to ₹1,200) instead of a single upfront annual fee. The monthly fee is completely waived if the cardholder spends at least ₹5,000 in the preceding calendar month. In return, the card delivers 10% cashback across high-frequency merchant categories including Swiggy food orders, BookMyShow movie tickets, supermarket groceries, and fuel transactions, alongside 2 reward points per ₹100 on other retail spends. However, RBL Bank has discontinued fresh issuances for the Monthly Treats Credit Card, redirecting prospective applicants to the RBL Cookies Credit Card. Furthermore, the 10% cashback across categories is subject to strict monthly caps (typically ₹100 per category), and reward redemptions incur a ₹99 fee. Who should consider it: Existing grandfathered cardholders who spend over ₹5,000 monthly to keep the card 100% free while claiming daily cashback. Who should avoid it: New applicants (as the card is unavailable) and low-volume users who risk paying ₹100 every month when spending falls below ₹5,000.

Ideal For:Metro food delivery regulars, weekend moviegoers, and households spending ₹5,000+ monthly on groceries

Dining

Card Strengths

10% Cashback on Swiggy & Movies: Accelerated 10% savings on food delivery orders and cinema bookings.
10% Cashback on Groceries & Fuel: Save 10% on weekly supermarket groceries and petrol station refueling.
Monthly Spend-Based Fee Waiver: Spend ₹5,000 in a calendar month to have the ₹100 monthly subscription fee waived.
Budget-Friendly Monthly Model: Pay month-by-month rather than committing to a large lump-sum annual fee.
2 Reward Points on General Spends: Earn reward points on all everyday shopping outside cashback categories.

Things to Keep in Mind

Discontinued for Fresh Applicants: RBL Bank has paused fresh applications, redirecting new users to the Cookies card.
Monthly Category Cashback Caps: Cashback is strictly capped per category (e.g., ₹100/month), limiting high-spend value.
Recurring Monthly Fee Risk: Falling below ₹5,000 spend in any month triggers the ₹100 + GST charge.
₹99 Reward Redemption Fee: Standard processing charge of ₹99 + GST applies to catalog redemptions.

Additional Cardholder Privileges

Rewards

You get 2 reward points on every Rs 100 spent on online purchases and 1 reward point on every Rs. 100 spent on offline purchases.

Welcome

Welcome Benefit 1

N/A

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: RBL Monthly Treats Rewards
Reward Currency: Reward Points
Base Earn Rate: 2 Reward Points per Rs 100 on retail spends (0.5% value back)
Point Value (INR): ₹0.2500 per point
Redemption Channels: Redeem for grocery vouchers, gift cards, or shopping catalogue on RBL Rewards.
Reward Point Expiry: Reward points valid for 2 years from date of accrual.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Grocery & Supermarket Spends	40 Reward Points per Rs 100 on grocery and supermarket shopping (10% value back)	1,000 Reward Points/mo	Standard terms apply
Dining Spends	5 Reward Points per Rs 100 on restaurant and dining spends (1.25% value back)	No Cap	Standard terms apply
All Other Retail Spends	2 Reward Points per Rs 100 on all other retail transactions (0.5% value back)	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Grocery & Supermarket Spends40.00%

Cap: ₹1,000/monthly

₹

Dining Spends5.00%

No published cap

₹

All Other Retail Spends2.00%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Grocery & Supermarket Spends	₹6,000	40 Reward Points per Rs 100 on grocery and supermarket shopping (10% value back)	—	₹1,000/monthly	Calculating...	Under cap
Dining Spends	₹6,000	5 Reward Points per Rs 100 on restaurant and dining spends (1.25% value back)	—	None	Calculating...	Under cap
All Other Retail Spends	₹18,000	2 Reward Points per Rs 100 on all other retail transactions (0.5% value back)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹1,200

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹1200 annual fee.

Multi-card comparator

Milestone Spend Progression

Bonus vouchers and annual fee waiver milestones unlocked as your total spend increases

Tier 1 Target

₹5,000per month

Worth ₹100

Monthly Fee Waiver

Spend Rs 5,00,0 in the billing cycle to waive the Rs 100 monthly card fee.

*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹100
Annual / Renewal Fee (2nd Year Onwards): ₹1,200
Annual Spend Fee Waiver: Waived on ₹60,000 annual spend
Fee Terms Notes: Monthly membership fee of ₹100 + GST (₹1,200/year annualized); waived on spending ₹5,000 or more in the preceding calendar month.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 3.99% per month
Annualized Interest Rate (APR): 47.88% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

Key Terms & Conditions for RBL Bank Monthly Treats Credit Card: • Application Status: Discontinued for fresh applicants; existing cardholders continue under grandfathered terms. • Fee Structure: Monthly subscription fee of ₹100 + GST (annualized to ₹1,200 + GST); ₹100 joining fee. • Monthly Fee Waiver: ₹100 monthly fee is waived upon spending ₹5,000 or more in the preceding billing cycle (equivalent to ₹60,000 annual spend). • Cashback Benefits: 10% cashback on Swiggy, BookMyShow, grocery retail, and fuel transactions (subject to category caps). • Base Rewards: Earn 2 Reward Points per ₹100 spent on all other retail expenditures. • Reward Redemption Fee: Standard ₹99 + GST fee levied on each redemption transaction. • Finance Charges: 3.99% per month (47.88% per annum) on revolving unpaid balances. • Foreign Exchange Markup: Standard 3.50% + GST on international transactions.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹1,200 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding RBL Bank Monthly Treats Credit Card application, fees, reward redemption, and eligibility

Is the RBL Bank Monthly Treats Credit Card available for new applications?

No, RBL Bank has discontinued fresh applications for the Monthly Treats Credit Card. New applicants are directed to alternative products like the RBL Cookies Credit Card.

How does the monthly fee waiver work on Monthly Treats?

The card has a ₹100 + GST monthly fee, which is waived if you spend ₹5,000 or more on eligible retail transactions in the previous calendar month.

What categories earn 10% cashback?

Cardholders earn 10% cashback on Swiggy food orders, BookMyShow movie tickets, grocery purchases, and fuel, subject to monthly category limits.

What happens if I spend less than ₹5,000 in a month?

If you spend less than ₹5,000 in a calendar month, the ₹100 + GST monthly membership fee will be billed in your next statement.

What is the joining and annual renewal fee for RBL Bank Monthly Treats Credit Card?

The joining fee for RBL Bank Monthly Treats Credit Card is ₹100 (one-time), and the annual renewal fee is ₹1,200 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on RBL Bank Monthly Treats Credit Card be waived?

Yes, the annual renewal fee of ₹1,200 is waived upon achieving annual spends of ₹60,000 in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on RBL Bank Monthly Treats Credit Card?

RBL Bank Monthly Treats Credit Card offers 2 Reward Points per Rs 100 on retail spends (0.5% value back). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does RBL Bank Monthly Treats Credit Card offer complimentary airport lounge access?

No, RBL Bank Monthly Treats Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.