RBL BankBazaar SaveMax
KeepLifetime free, 5X on groceries, and ₹200 a month of Zomato and cinema money.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on utilities and fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays from the first rupee
At ₹1,000 a month — ₹12,000 a year — on the everyday mix this card returns ₹0 gross (earn ₹0) against its ₹0 fee = ₹0 net — at or above ₹0 from the first rung we price. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
SaveMax is the free BankBazaar co-brand and it earns its place by costing nothing. RBL prints NIL in both fee columns and the page says so in as many words. What you get is 1 Reward Point per ₹100 across the board, five times that on groceries up to 1,000 points a month, and two benefits that are worth more than the points: 10% cashback on Zomato and 10% off BookMyShow, each capped at ₹100 a month. That is ₹2,400 a year of brand discounts on a card with no fee, plus about ₹3,000 of grocery points if you run the accelerator to its ceiling. BankBazaar also throws in a free monthly credit report. The points themselves are the weak part — RBL values them between ₹0.11 and ₹0.25, redeeming costs ₹99 plus GST for each day you redeem, and fuel earns nothing at all. Take it for the Zomato and cinema money and the zero fee.
Your renewal — keep, downgrade or cancel
This card is lifetime free. There is no fee due, no renewal to weigh, and nothing to cancel to save.
Keep, downgrade or cancel
nothing due at the anniversary · 5 spend bands
The charge ₹0 — lifetime free
At your spend
₹600 a year at ₹3,00,000 of annual spend
₹1,300 a year at ₹6,00,000 of annual spend
₹2,500 a year at ₹12,00,000 of annual spend
₹7,600 a year at ₹36,00,000 of annual spend
₹12,600 a year at ₹60,00,000 of annual spend
Everyday earn plus milestones, with no fee to subtract — the same model as the value panel above, so the two cannot disagree. run your exact spend →
The downgrade
RBL Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 21 Aug 2026 Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands a program these points reach
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Lifetime free — NIL in both of RBL's fee columns
- 5X Reward Points on all grocery spends, to 1,000 points a month
- 10% cashback on Zomato, up to ₹100 a month
- 10% off BookMyShow, up to ₹100 a month
- A free monthly credit report from BankBazaar
Watch out
- The grocery accelerator stops at 1,000 points a month — about ₹2,000 of groceries at 5X
- Base earn is 0.25% at RBL's own point value, and points redeem at ₹0.11–₹0.25
- ₹99 + GST reward-redemption fee, charged once per day you redeem — on a card with no annual fee
- Fuel, auto, utilities, insurance, railways, rent, wallets, government, quasi-cash, education, cash, contracted services and Bills2Pay earn nothing
- There is no welcome benefit and no milestone of any kind
- RBL charges 1% on FIVE transaction types its Schedule of Charges lists separately from the reward exclusions: rent (MCC 6513, on every transaction), fuel and auto above ₹10,000 a transaction (capped at ₹3,000), utility spends above ₹50,000 a month, education paid through third-party apps such as CRED, PhonePe or Paytm (school and college websites are exempt), and — with effect from 7 January 2026 — FASTag loading and tolls above ₹10,000 a transaction. These are FEES, listed nowhere near the reward exclusions: a category can both cost you 1% and earn you nothing
What these points actually fly
RBL Reward Points move to Club ITC — and that programme prices every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
15 sourced rules · 8 pay zero
A lifetime-free co-brand: 1 RP/₹100 base, 5X on groceries to 1,000 RP a month, plus 10% cashback on Zomato and 10% off BookMyShow, each capped at ₹100 a month. Its exclusion footnote splits into an original list and a 15-Oct-2024 addition, and the two together reach the same place as the rest of RBL's shelf.
- Fuel · excluded Zero RP — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) is on the card's original exclusion list, not the October-2024 addition; a fuel surcharge waiver is what remains. RBL charges 1% on fuel/auto above ₹10,000, capped at ₹3,000 (MITC)
- Rent & property management · excluded Zero RP — "Real Estate / Rental" (MCC 6513) on the original list; 1% fee on every rental transaction bank-wide (MITC)
- Wallet loads · excluded Zero RP — "Wallet/Service Providers" (MCC 6540) on the original list
- Utilities (electricity/water/gas) · excluded Zero RP — "Utilities" (MCC 4900) on the original list, with Bills2Pay added 15-Oct-2024; 1% fee past ₹50,000 a month (MITC)
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official RBL Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
RBL Bank MITC cum Key Fact Statement, read 2026-08-17, plus the Schedule of Charges RBL-CC-SOC-V2-12-12-2025. FEE COLUMN PROVENANCE: RBL's tables have two columns headed "Annual membership Fee (1st year)" and "Annual membership Fee (2nd year onwards)" and they are NOT inverted — the first is the charge to GET the card, the second is the recurring charge. This card: RBL Bank Bank Bazaar SaveMax Credit Card NIL/NIL. RBL publishes no income or age criteria for any card in the MITC. Other card-wide charges: cash deposit at an RBL branch ₹100; cheque return or auto-debit reversal ₹500; merchant EMI processing 1.5% or ₹150, whichever is higher; 1% on rent (MCC 6513); 1% on fuel and auto transactions above ₹10,000, capped ₹3,000; 1% on utility spends above ₹50,000 a month; 1% on education payments made through third-party apps; 1% on FASTag loading and toll transactions above ₹10,000 with effect from 7 January 2026; fuel surcharge 1% or ₹10, whichever is higher. All charges attract GST at 18%.
per the official RBL Bank MITC · reviewed 10 Jul 2026
What's changed for this card
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trio
- 21 Aug 2026Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands
- 7 Jan 2026RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet
- 1 Jul 2025RBL gates domestic lounges behind ₹35k a quarter
- 15 Oct 2024RBL strips points from education, government and wallet spends
Verified against RBL Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page — free for life, 1 RP per ₹100 with 5X on groceries capped at 1,000 a month, 10% Zomato cashback and 10% off BookMyShow at ₹100 a month each, Mastercard and Visa
- official Schedule of Charges — "RBL Bank BankBazaar SaveMax Credit Card NIL / NIL"; ₹99 + GST reward-redemption fee still applies; foreign-currency markup up to 3.5%
- official MITC — "RBL Bank Bank Bazaar SaveMax Credit Card NIL | NIL | INR 200"