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3.5/5 Editorial Score

RBL Bank Novio Credit Card

Co-Branded RuPay Select Card with UPI Convenience & 2,000 Welcome RP

Best Suited For

UPI payment power users, online shoppers, and Credilio platform users seeking affordable RuPay rewards

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Joining Fee

₹500

One-time upfront

Annual Fee

₹500

Waived on ₹1.5 lakh annual spend

Base Rewards

1 Reward Point per Rs 100 on other retail spends (0.25% value back)

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

Apply Now Compare Card Official Terms

Last verified 3 Oct 2026

Why Consider This Card?

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

Editorial Verdict

3.5/5 Editorial Score

The RBL Bank Novio Credit Card is a modern co-branded credit card created in partnership with Credilio on the RuPay Select network, designed to capitalize on India's booming UPI credit ecosystem. Cardholders can easily link their Novio card to popular UPI applications—including Google Pay, PhonePe, and Paytm—to make instant contactless payments at street vendors and retail stores while enjoying up to 50 days of interest-free liquidity. The card offers an attractive welcome gift of 2,000 reward points upon spending ₹5,000 within the first 30 days, 2 reward points per ₹100 on online transactions, and 1 reward point per ₹100 on offline POS spends. With a nominal ₹500 joining fee and an annual fee of ₹500 waived on spending ₹1,50,000 annually, it is highly accessible. However, offline spend yields modest returns (around 0.25%), milestone points require ₹1.5L+ spends, and reward redemptions carry RBL's ₹99 fee. Who should consider it: Young digital natives and online shoppers wanting a dedicated RuPay card for everyday UPI micro-payments with welcome bonus points. Who should avoid it: Heavy travelers seeking extensive lounge access or premium lifestyle privileges.

Ideal For:UPI payment power users, online shoppers, and Credilio platform users seeking affordable RuPay rewards

Shopping

Card Strengths

Seamless RuPay UPI Payments: Link the card directly to UPI apps for swift merchant QR code scanning.
2,000 Welcome Reward Points: Earn 2,000 bonus points on spending ₹5,000 within the first 30 days.
Double Rewards on Online Spends: Earn 2 Reward Points per ₹100 spent across all online shopping portals.
Achievable ₹1.5 Lakh Fee Waiver: Annual fee of ₹500 is waived upon spending ₹1,50,000 in the anniversary year.
Annual Milestone Bonuses: Earn up to 3,000 additional bonus reward points on annual spend milestones.

Things to Keep in Mind

Modest Offline Reward Rate: Offline POS transactions earn only 1 reward point per ₹100 (approx. 0.25% value).
₹99 Reward Redemption Fee: Standard processing charge of ₹99 + GST applies to catalog redemptions.
No Airport Lounge Access: Card does not offer complimentary domestic or international airport lounge visits.
Standard 3.50% Forex Markup: Cross-border purchases incur standard foreign exchange markups.

Additional Cardholder Privileges

Rewards

2 Reward Points per ₹100 for all your online spends, 1 Reward Point per ₹100 for all other spends (exclusions may apply).

Welcome

Welcome Benefit 1

2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance, a clear sign that you're valued as a customer.

Rewards & Cashback Structure

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

Reward Program Name: RBL Novio Rewards
Reward Currency: Reward Points
Base Earn Rate: 1 Reward Point per Rs 100 on other retail spends (0.25% value back)
Point Value (INR): ₹0.2500 per point
Redemption Channels: Redeem for popular merchant gift cards or merchandise 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
Dining & Entertainment Spends	4 Reward Points per Rs 100 on dining and entertainment (1% value back)	1,000 Reward Points/mo	Standard terms apply
RuPay UPI Spends	2 Reward Points per Rs 100 on merchant UPI transactions (0.5% value back)	No Cap	Standard terms apply
All Other Retail Spends	1 Reward Point per Rs 100 on all other retail transactions (0.25% 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

Dining & Entertainment Spends1.00%

Cap: ₹1,000/monthly

₹

RuPay UPI Spends0.50%

No published cap

₹

All Other Retail Spends0.25%

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
Dining & Entertainment Spends	₹6,000	4 Reward Points per Rs 100 on dining and entertainment (1% value back)	—	₹1,000/monthly	Calculating...	Under cap
RuPay UPI Spends	₹6,000	2 Reward Points per Rs 100 on merchant UPI transactions (0.5% value back)	—	None	Calculating...	Under cap
All Other Retail Spends	₹18,000	1 Reward Point per Rs 100 on all other retail transactions (0.25% 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

-₹500

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹500 annual fee.

Multi-card comparator

Milestone Spend Progression

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

Tier 1 Target

₹1.5 lakhper year

Worth ₹499

Annual Fee Waiver

Spend Rs 1,50,000 in previous year to waive the Rs 499 annual renewal 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): ₹500
Annual / Renewal Fee (2nd Year Onwards): ₹500
Annual Spend Fee Waiver: Waived on ₹1.5 lakh annual spend
Fee Terms Notes: Joining fee ₹500 + GST; annual fee ₹500 + GST waived on spending ₹1,50,000 in preceding membership year.

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 Novio Credit Card: • Network & Platform: Issued on RuPay Select with native support for UPI credit card linking on Google Pay, PhonePe, BHIM, and Paytm. • Fees: ₹500 + GST joining fee; ₹500 + GST annual fee, waived on spending ₹1,50,000 or more in preceding membership year. • Welcome Privilege: 2,000 Bonus Reward Points upon spending ₹5,000 within the first 30 days of card issuance. • Rewards Program: 2 Reward Points per ₹100 on online retail spends; 1 Reward Point per ₹100 on offline POS transactions. • Milestone Rewards: 1,000 bonus points on ₹1.5 Lakh annual spend; additional 2,000 bonus points on ₹3 Lakh annual spend. • Fuel Surcharge Relief: 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000 across domestic petrol pumps. • Reward Redemption Fee: Standard ₹99 + GST processing fee per catalog redemption request. • Finance Charges: Up to 3.99% per month (47.88% per annum) on revolving unpaid balances.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹500 renewal fee.

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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 Novio Credit Card application, fees, reward redemption, and eligibility

Can I use the RBL Bank Novio Credit Card for UPI payments?

Yes, built on the RuPay Select network, you can link the Novio card to Google Pay, PhonePe, Paytm, or BHIM to pay any merchant QR code.

What is the annual fee of RBL Bank Novio Credit Card?

The card has a joining fee of ₹500 + GST and an annual fee of ₹500 + GST, which is completely waived if you spend ₹1,50,000 or more in your membership year.

What is the welcome benefit on RBL Novio?

You receive 2,000 bonus Reward Points upon spending ₹5,000 or more on eligible retail transactions within the first 30 days of card setup.

What are the reward rates for online and offline spends?

You earn 2 Reward Points per ₹100 on online retail transactions and 1 Reward Point per ₹100 on offline in-store purchases.

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

The joining fee for RBL Bank Novio Credit Card is ₹500 (one-time), and the annual renewal fee is ₹500 from the second year onwards. GST of 18% is applicable on all fee charges.

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

Yes, the annual renewal fee of ₹500 is waived upon achieving annual spends of ₹1.5 lakh in the preceding card anniversary year.

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

RBL Bank Novio Credit Card offers 1 Reward Point per Rs 100 on other retail spends (0.25% value back). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does RBL Bank Novio Credit Card offer complimentary airport lounge access?

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