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3.3/5 Editorial Score

RBL Bank QuickPay Credit Card

Micro-Fee Digital Credit Card for Daily Contactless Spending

Best Suited For

First-time cardholders, students transitioning to credit, and everyday contactless retail spenders

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Joining Fee

₹99

One-time upfront

Annual Fee

₹99

Waived on ₹25,000 annual spend

Base Rewards

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

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

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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 QuickPay Credit Card is engineered for credit novices and budget-conscious individuals who want the security and flexibility of an institutional credit line without incurring significant annual overhead. With an ultra-low joining and annual renewal fee of just ₹99 + GST, it represents one of the lowest entry barriers in the Indian credit card market. The annual fee is completely waived if the cardholder spends a modest ₹25,000 in a membership year (around ₹2,100 per month). Cardholders earn reward points on essential daily expenditures including utility bill payments and grocery runs, alongside standard fraud liability protection and contactless tap-and-pay convenience. However, reward earn rates are modest, the card offers no complimentary airport lounge access, and redeeming accumulated reward points incurs RBL's standard ₹99 + GST fee. Who should consider it: Young salaried professionals and students looking to establish a positive credit history at minimal annual cost. Who should avoid it: Frequent travelers and moderate-to-high spenders seeking lifestyle perks, airport lounges, or accelerated online shopping cashback.

Ideal For:First-time cardholders, students transitioning to credit, and everyday contactless retail spenders

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Card Strengths

Ultra-Low ₹99 Annual Fee: Minimal entry cost makes credit access accessible to entry-level applicants.
Easy ₹25,000 Annual Fee Waiver: Spend just ₹2,100 per month to eliminate the annual maintenance fee entirely.
Contactless Tap & Pay: Quick, secure retail micro-transactions without PIN entry under regulatory limits.
Utility & Grocery Rewards: Earn reward points on daily household necessities and merchant payments.
1% Fuel Surcharge Waiver: Fuel surcharge relief across domestic petrol outlets within eligible spend slabs.

Things to Keep in Mind

₹99 Reward Redemption Fee: Catalog point redemptions incur a processing fee equal to the card's annual fee.
Modest Reward Earn Rate: Base points yield modest effective value on everyday non-accelerated spends.
No Airport Lounge Access: Does not include complimentary domestic or international airport lounge visits.
Standard 3.50% Forex Markup: Cross-border purchases incur standard foreign exchange conversion fees.

Additional Cardholder Privileges

Rewards

1 RP/₹200 Spent

Welcome

Welcome Benefit 1

20% Cashback on First Two UPI Transactions Within 15 Days of Card Issuance; Capped at ₹50

Rewards & Cashback Structure

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

Reward Program Name: RBL QuickPay Rewards
Reward Currency: Reward Points
Base Earn Rate: 1 Reward Point per Rs 100 on general retail spends (0.25% value back)
Point Value (INR): ₹0.2500 per point
Redemption Channels: Redeem for merchant vouchers 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
RuPay UPI Spends	2 Reward Points per Rs 100 on merchant UPI QR 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

Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

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

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
RuPay UPI Spends	₹12,000	2 Reward Points per Rs 100 on merchant UPI QR 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

-₹99

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹99 annual fee.

Multi-card comparator

Milestone Spend Progression

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

Tier 1 Target

₹25,000per year

Worth ₹99

Annual Fee Waiver

Spend Rs 25,000 in previous year to waive the Rs 99 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): ₹99
Annual / Renewal Fee (2nd Year Onwards): ₹99
Annual Spend Fee Waiver: Waived on ₹25,000 annual spend
Fee Terms Notes: Joining fee ₹99 + GST; annual renewal fee ₹99 + GST waived on spending ₹25,000 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 QuickPay Credit Card: • Joining & Annual Fee: ₹99 + GST joining fee; ₹99 + GST annual renewal fee (Waived on spending ₹25,000+ in preceding membership year). • Reward Accrual: Earn reward points on eligible retail purchases, utility bills, and grocery transactions. • Fuel Surcharge Relief: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 across domestic petrol pumps (capped monthly). • Reward Redemption Fee: Standard ₹99 + GST processing fee per catalog redemption request. • Interest-Free Period: Up to 50 days from transaction date when total amount due is paid in full. • Finance Charges: Up to 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 ₹99 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 QuickPay Credit Card application, fees, reward redemption, and eligibility

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

The joining fee is ₹99 + GST and the annual renewal fee is ₹99 + GST, which is completely waived if you spend ₹25,000 or more in the preceding membership year.

How can I get the annual fee waived on RBL QuickPay?

Simply spend a cumulative ₹25,000 or more on eligible retail purchases within your card membership year.

Does the RBL QuickPay Credit Card provide airport lounge visits?

No, the card is an entry-level micro-fee card and does not offer airport lounge access.

Is there a charge for redeeming reward points?

Yes, RBL Bank charges a standard redemption fee of ₹99 + GST per catalog redemption request.

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

The joining fee for RBL Bank QuickPay Credit Card is ₹99 (one-time), and the annual renewal fee is ₹99 from the second year onwards. GST of 18% is applicable on all fee charges.

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

Yes, the annual renewal fee of ₹99 is waived upon achieving annual spends of ₹25,000 in the preceding card anniversary year.

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

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

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

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