Super-Premium Metal Card with Low 2% Forex & Luxury Concierge
High-net-worth individuals, frequent international travelers, golf enthusiasts, and luxury lifestyle spenders
₹12,500
One-time upfront₹12,500
Waived on ₹10 lakh annual spend4 Reward Points per Rs 200 on general retail spends (2% value back on travel portal)
On eligible spends12 Domestic + 12 International visits/year · ₹35k quarterly spend required (Domestic)
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The RBL Bank Nova Credit Card represents RBL Bank's flagship super-premium offering, presented in a sleek metal form factor designed for affluent spenders and global travelers. The standout proposition of the card is its reduced 2.00% foreign exchange markup fee—significantly lower than the standard 3.50% levied by most Indian issuers—delivering massive savings on overseas shopping and foreign currency bookings. The card carries an upfront joining and annual renewal fee of ₹12,500 + GST, which is completely waived upon achieving ₹10,00,000 in annual spending. Cardholders enjoy bespoke luxury perks including complimentary golf rounds and lessons, domestic and international airport lounge access, 2 complimentary lifetime-free add-on cards, comprehensive overseas travel insurance, and fuel surcharge relief up to ₹1,000 monthly. While expensive upfront, the low forex rate and travel privileges provide substantial value for globetrotters. Who should consider it: High-spending executives and international travelers spending ₹10 Lakhs+ annually who want a prestigious metal card with reduced cross-border fees. Who should avoid it: Domestic retail shoppers who cannot justify the ₹12,500 annual commitment or reach the ₹10 Lakh fee waiver.
Accelerated 12 RPs/₹200 Spent for Flights and Hotel Bookings. 4 RPs/₹200 Spent on Eligible Categories
Taj Experiences Or Luxe Gift Card Worth ₹12,500
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Travel Portal Bookings | 12 Reward Points per Rs 200 on flights and hotels via RBL travel portal (6% value back) | 10,000 Reward Points/mo | Standard terms apply |
| International Spends | 8 Reward Points per Rs 200 on international foreign currency transactions (4% value back) | No Cap | Standard terms apply |
| All Other Retail Spends | 4 Reward Points per Rs 200 on all other domestic retail transactions (2% value back) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Travel Portal Bookings | ₹6,000 | 12 Reward Points per Rs 200 on flights and hotels via RBL travel portal (6% value back) | — | ₹10,000/monthly | Calculating... | Under cap |
| International Spends | ₹6,000 | 8 Reward Points per Rs 200 on international foreign currency transactions (4% value back) | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 4 Reward Points per Rs 200 on all other domestic retail transactions (2% value back) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹12,500
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 25,000 bonus Reward Points (worth Rs 25,000 on flights/hotels) on spending Rs 5,00,000 in a year.
Earn 50,000 bonus Reward Points (worth Rs 50,000 on flights/hotels) on spending Rs 10,00,000 in a year.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Key Terms & Conditions for RBL Bank Nova Credit Card: • Membership Fees: ₹12,500 + GST joining fee; ₹12,500 + GST annual renewal fee (Waived on spending ₹10,00,000+ in preceding membership year). • Foreign Currency Markup: Discounted 2.00% + GST on international retail and online foreign currency transactions. • Add-On Cards: First two supplementary cards issued completely Lifetime Free. • Airport Lounge Privileges: Comprehensive domestic and international airport lounge access via Priority Pass. • Golf Privileges: Complimentary rounds of golf and golf coaching lessons at premier courses nationwide. • Fuel Surcharge Relief: 1% fuel surcharge waiver on transactions between ₹500 and ₹10,000 (capped at ₹1,000 per month). • Travel Insurance: Comprehensive air accident, lost baggage, and travel delay insurance coverage. • Finance Charges: Up to 3.99% per month (47.88% per annum) on revolving unpaid balances.
Evaluate whether this card's perks and waiver threshold justify its ₹12,500 renewal fee.
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.
Common questions regarding RBL Bank Nova Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official RBL Bank portal with paperless verification.
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Forex markup: 1.5% Low Forex
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Rewards: 1.5 Reward Points/₹100 Spent
Lounge access: 24 Domestic + 16 International visits/year · ₹5L quarterly spend required (Domestic)
Forex markup: 1.8% Low Forex
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Rewards: Bespoke high-yield rewards on global luxury spends
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