RBL Corporate T&E Gold
KeepZero fee, eight lounge visits a year and ₹1 crore of air cover — the corporate card that costs the company nothing.
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 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 — and a business card's accelerator is usually the point. This card is not on the board, which ranks personal cards only; it is ranked against other business cards on /best/business, where the tax, GST and vendor-payment rungs ARE credited and its ₹ 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 · why it ranks #485
Why #485 A free corporate card that opens eight lounge doors a year and carries ₹1 crore of air-accident cover. That combination is rare enough at any price and this one costs the company nothing, so it ranks on access rather than on an earn rung of a third of a percent that stops at 5,000 points a statement cycle. The 3% foreign markup is where the ₹1,999 Platinum above it earns its fee.
These are ordinary RBL Reward Points, redeemed at rblrewards.rbl.bank.in and valued here at ₹0.25 apiece. The commercial MITC adds two conditions the product page does not: points "are valid only for 2 years from the date of accumulation", and a redemption handling fee of ₹99 plus GST lands on every redemption request. At 5,000 points a cycle the ceiling is ₹1,250 of value a month, so that ₹99 is not a rounding error.
The take
RBL gives this one away, and it is better than free cards usually are. Two complimentary domestic lounge visits every calendar quarter, ₹1 crore of air-accident cover, ₹20 lakh of lost-card and fraud liability, a full baggage-and-passport schedule, up to 50 days of interest-free credit and a 1% fuel-surcharge waiver capped at ₹500 a cycle — against an annual fee of nothing, in both years and every year after. Because it is a commercial card there are no finance charges at all and the minimum amount due equals the total amount due, so it cannot revolve; the trade-off is that it also cannot be paid in part. Two things separate it from the ₹1,999 Platinum above it, and both are worth the money for a team that actually flies: the foreign markup is 3% instead of 2%, and the earn ceiling is 5,000 points a statement cycle instead of 10,000. The earn itself is thin either way — 2 Reward Points per ₹150 domestic and 3 per ₹150 abroad works out to a third of a percent at RBL's own redemption value, with a ₹99 handling fee on every redemption and a two-year expiry. Treat the points as a rounding error and this is a good free card: the lounge quota and the insurance are the product.
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
₹900 a year at ₹3,00,000 of annual spend
₹1,900 a year at ₹6,00,000 of annual spend
₹3,800 a year at ₹12,00,000 of annual spend
₹11,300 a year at ₹36,00,000 of annual spend
₹15,000 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
- No joining fee and no annual fee, stated in both RBL's commercial MITC and on the product page
- 2 complimentary domestic lounge visits every calendar quarter — eight a year at no cost
- ₹1 crore air-accident cover, ₹20 lakh lost-card and fraud liability, ₹75,000 lost baggage and documents
- Flight-delay cover ₹15,000, baggage delay ₹7,500, passport loss ₹12,500, baggage damage ₹2,500
- Up to 50 days interest-free credit with no finance charges of any kind
- Fuel-surcharge waiver of 1%, capped at ₹500 a billing cycle
- Access to RBL's CorpCard Hub for card administration, plus discounted SaaS through Nuclei and gift cards through XOXO Day
Watch out
- 3% foreign markup — a full point worse than the ₹1,999 T&E Platinum, which is the whole case for paying that fee
- Earn stops at 5,000 Reward Points per statement cycle, about ₹3.75 lakh of spend a month, and half the Platinum's ceiling
- Points expire two years from accrual and every redemption request costs ₹99 + GST
- The minimum amount due EQUALS the total amount due: no revolving, and a late payment costs 2% of the outstanding, minimum ₹300
- No cash advance at all — RBL restricts that facility to the T&E Platinum
- RBL names no lounge operator, so this card's doors are not mapped on /lounges; the quota is real, the rooms are unpublished
- Corporate liability: an individual cannot apply, and the company decides who gets a card
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
3 sourced rules · 2 pay zero
RBL publishes NO merchant-category exclusion table for its commercial shelf — the fourteen-row MCC table that governs its consumer cards has no counterpart here. The Commercial Cards MITC names exactly one spend category that cannot earn: purchases at petrol pumps and service stations. Everything else is honest absence, so this row states the two things RBL does document and stops. Note that the corporate can ask RBL to impose its OWN MCC restrictions on the card — that is a spend control the company sets, not an earn rule, and it is not modelled here.
- Fuel · excluded Zero points — the Commercial Cards MITC's list of spend that cannot earn includes "Any purchases made at petrol pumps/service stations, unless specifically communicated to the Cardmember otherwise". What fuel gets instead is a 1% surcharge waiver capped at ₹500 a billing cycle on transactions of ₹400 to ₹5,000, against a fuel transaction charge of 1% or ₹10, whichever is higher
- Forex / international spends · accelerated 3 Reward Points per ₹150 abroad against 2 per ₹150 at home — 2 RP/₹100 versus 1.33 — but RBL charges this card a 3% markup to get there, so the accelerator does not pay for the crossing. Earning stops entirely once a statement cycle passes 5,000 points
- EMI conversions / merchant EMI · excluded Balance transfers, finance charges and disputed transactions earn no points under the Commercial Cards MITC's rewards clause, and RBL's consumer MITC strips base reward points from every EMI conversion it issues. RBL publishes no commercial-specific EMI wording, so this is the bank-wide rule read across — flag
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.
A company applies, not an individual. RBL's credit team assesses the application and communicates a sanctioned limit "within 15 working days", after which the corporate requests individual cards for its employees; full individual KYC is required per RBI rules even though the liability sits with the company. RBL also issues the commercial cards against a fixed deposit, which keeps earning its normal interest — the deposit cannot be closed midway, though partial withdrawal against the unused limit is allowed. The facility runs for one year and is renewed annually at the bank's discretion.
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
5 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
NIL joining fee and NIL annual fee, stated in the commercial MITC's fee table and repeated on the product page as "ZERO Joining and Annual Fees - No Hidden Charges". Corporate liability: the minimum amount due EQUALS the total amount due, there are no finance charges, and the interest-free window is 30+20 days. Earn is 2 Reward Points per ₹150 domestic and 3 per ₹150 international, capped at 5,000 points per statement cycle — about ₹3.75 lakh of spend, half the T&E Platinum's ceiling — with points valid two years from accrual and a ₹99 + GST handling fee per redemption request. Travel benefits: 2 complimentary domestic lounge visits every calendar quarter at airports in India, with NO operator or room list published; ₹1 crore air-accident cover, ₹20 lakh lost-card and fraud liability, ₹75,000 lost baggage and personal documents, ₹15,000 flight delay, ₹12,500 loss of passport, ₹7,500 baggage delay, ₹2,500 baggage damage. Fuel-surcharge waiver 1%, capped ₹500 a billing cycle. The whole difference against the ₹1,999 T&E Platinum is one point of forex, half the earn ceiling, one fewer domestic lounge visit a quarter, no international lounge visit and no cash facility.
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 — 2 of them, each with the day we read it
- official Product page — zero joining and annual fees, 2 domestic lounge visits a quarter, the earn table with its 5,000-point cycle cap, the insurance schedule and the 3% markup
- official Commercial-card MITC — "RBL Bank Corporate T&E Gold Card: NIL" annual fee, the 3.00% markup, no cash advance, and the two-year point expiry