Verified — 16/16 categories
RBL Bank
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Best forGroceries & Dining
Earns1 RP/₹100 on groceries
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded
RBL Bank
Cookies
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on groceries and dining, where it earns 1 RP/₹100
How you earn
Reward rates at a glance — exactly as recorded for this card.
Groceries1 RP/₹100
Dining1 RP/₹100
Food Delivery1 RP/₹100
Shopping1 RP/₹100
Travel1 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not a good fit | — | Rental payments (MCC 6513) strictly excluded from reward points accrual per RBL Cardmember Agreement and Schedule of ChargesDetails
|
| Education | Not a good fit | — | Education payments (MCC 8211, 8220, 8244) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Insurance | Not a good fit | — | Insurance premium payments (MCC 6300, 6310) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Utilities | Not a good fit | — | Utility bill payments (MCC 4900) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Fuel | Not a good fit | — | Fuel purchases (MCC 5541, 5542) receive surcharge waiver onlyDetails
|
| Groceries | 1 RP/₹100 | — | 1 RP/₹100 base retail offlineDetails
|
| Dining | 1 RP/₹100 | — | 1 RP/₹100 base retail offlineDetails
|
| Food Delivery | 1 RP/₹100 | — | 10% Zomato cashback up to ₹300/moDetails
|
| Shopping | 1 RP/₹100 | — | Explicit RBL source-gated ruleDetails
|
| Travel | 1 RP/₹100 | — | 1 RP/₹100 base retail offlineDetails
|
| Government | Not a good fit | — | Government and tax payments (MCC 9311, 9399, 9400) strictly excluded from reward points accrual per RBL Cardmember Agreement Section 4Details
|
| Wallet | Not a good fit | — | Wallet loading transactions (MCC 6540) strictly excluded from reward points accrual per RBL Cardmember Agreement Section 4Details
|
| Railways | Not a good fit | — | Railway transactions (MCC 0066, 4011, 4112) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| FASTag | Not a good fit | — | FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Jewellery | 1 RP/₹100 | — | 1 RP/₹100 base retail offline per SRC-RBL-COOKIES-01Details
|
| Telecom | Not a good fit | — | Telecom service bill payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹500 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
No reward cap is recorded in DhanChakshu's verified data. Check the issuer terms for any additional limits.
Key benefits
Rewards
1 RP/₹100 on groceries
Important to know
Limits and exclusions that change what you earn.
- Not recommended for: Rent, Education, Insurance, Utilities +6 more
Who should consider this card
✓ Good fit if
- Your spending is concentrated in groceries, dining, food delivery
△ Less useful if
- Much of your spending is in rent, education, insurance, which earn nothing
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 0 caps · 10 no-reward categories
Caps
No cap recorded.
Categories with no reward or not eligible
- Rent — Not a good fit. Rental payments (MCC 6513) strictly excluded from reward points accrual per RBL Cardmember Agreement and Schedule of Charges.
- Education — Not a good fit. Education payments (MCC 8211, 8220, 8244) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Insurance — Not a good fit. Insurance premium payments (MCC 6300, 6310) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Utilities — Not a good fit. Utility bill payments (MCC 4900) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Fuel — Not a good fit. Fuel purchases (MCC 5541, 5542) receive surcharge waiver only.
- Government — Not a good fit. Government and tax payments (MCC 9311, 9399, 9400) strictly excluded from reward points accrual per RBL Cardmember Agreement Section 4.
- Wallet — Not a good fit. Wallet loading transactions (MCC 6540) strictly excluded from reward points accrual per RBL Cardmember Agreement Section 4.
- Railways — Not a good fit. Railway transactions (MCC 0066, 4011, 4112) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- FASTag — Not a good fit. FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Telecom — Not a good fit. Telecom service bill payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to RBL Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-21
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-21
Documents used
RBL Phase 14 research / current issuer evidence · RBL Phase 14 research / current issuer evidence