RBL Crownit
CancelA bank card that paid into somebody else's app — and the app is what disappeared.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until RBL Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
3 notes on the card itself: how it is issued · the network variants · why it ranks #1046
Why #1046 Carried, not valued, and ranked below every card a reader can still apply for. The rewards were paid in Crowns, a currency belonging to the Crownit app rather than to RBL, and this desk does not price it — so there is no honest rupee figure to rank this card on, and the card itself has been gone since Crownit's own app wound down.
The take
Crownit was a Mumbai discovery-and-offers app, and in 2016 RBL issued a credit card for it. The mechanics were unusual and worth recording: you applied by downloading the Crownit app, not through RBL, and the card's rewards were never credited to the card. They were credited into your Crownit account, in Crowns, and spent inside the app on shopping, food and experiences. The card also handed out something called a Weekly Rush Ticket — one for every transaction of ₹100 or more, to five a week — which was a lottery entry rather than a reward. Nothing is priced here, and the reason is the currency rather than the research. RBL published the accrual in detail and it is preserved in this desk's notes; what neither RBL nor Crownit ever published is what a Crown was worth in rupees. There was no conversion into RBL Reward Points, no catalogue with prices in Crowns on RBL's own site, and no transfer to anything. A ₹999 card whose entire return sat in a third party's app, at a rate that party could change and never disclosed, is a genuinely bad deal to underwrite — and when the app wound down, so did the answer to what the card had been paying. RBL also denied it the fuel-surcharge waiver that its cheaper cards got, while advertising an accelerated fuel band, which is a strange combination to design on purpose.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
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 we cannot price either side of it.
What has changed under this card
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet issuer-wide
- 1 Jul 2025 RBL gates domestic lounges behind ₹35k a quarter issuer-wide
- 15 Oct 2024 RBL strips points from education, government and wallet spends 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
- Applied for through the Crownit app rather than through RBL — the bank never took the application directly
- Accelerated earn on weekends and at the pump, and a welcome bonus of 500 Crowns on first usage
- Milestone bonuses of 1,500 Crowns at ₹1.5 lakh of annual spend and a further 3,500 at ₹3.5 lakh
- One Weekly Rush Ticket for every transaction of ₹100 or more, to five a week
- ₹999 a year, discounted to ₹499 for the first year during the launch promotion
Watch out
- WITHDRAWN — RBL stopped serving the Crownit page in 2017 and the Crownit app it depended on is gone
- No accrual rate is carried here: the card paid in Crowns, an app currency this desk does not model and neither party ever priced in rupees — RBL's own Crownit offer terms go further and say the rewards "cannot be en-cashed"
- The rewards never touched the card — the MITC credits Crowns "in the Crownit account of the customer on the Crownit Mobile app"
- No airport lounge access of any kind, at home or abroad
- No fuel-surcharge waiver: the MITC names Crownit among the cards excluded from it, even though the card advertised an accelerated fuel band
- The ₹999 has no spend waiver, where six other RBL cards in the same fee table do
- 3.50% foreign-currency markup
What these points actually fly
RBL Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
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.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. RBL stopped serving the Crownit card page in 2017, the product was never carried across to the modern rbl.bank.in catalogue, and the Crownit app the whole reward scheme ran inside is no longer operating.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
4 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.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trioAn older single Shoppers Stop co-brand line → Three tiers — Gold (₹1,000), Platinum (₹5,000), Black (₹10,000) annual — earning 10 RP/₹200 (Gold, Platinum) or 15 RP/₹200 (Black) across the Shoppers Stop Universe, with points worth ₹0.25 / ₹0.50 / ₹1.00 respectively
RBL rebuilt its Shoppers Stop co-brand into a three-card ladder. The fee rung buys a richer point, not just more of them: a Reward Point is worth ₹0.25 on Gold, ₹0.50 on Platinum and ₹1.00 on Black, so Black's 15 RP per ₹200 at ₹1 a point is a genuine 7.5% back on First Citizen days inside the Shoppers Stop Universe. Welcome vouchers scale the same way (₹500 quarterly on Gold, ₹2,000 plus Platinum membership and a makeover on Platinum, ₹1,500 quarterly on Black). No lounge access on any of the three — these are store cards and earn like it, with value only inside Shoppers Stop. All three are already on our board.
- 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
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 4 of them, each with the day we read it
- official RBL Bank's 2017 Most Important Terms and Conditions — the ₹999 fee both years, the Crowns accrual table, and the clause crediting the rewards to the Crownit app
- official RBL Bank's Crownit Credit Card product page (archived 03-Dec-2016) — the Crowns accrual, the ₹999 membership fee and the ₹499 launch promotion
- official The same product page in 2017, the last capture the Archive holds — every published figure unchanged
- official RBL Bank's Crownit Credit Card Offer Terms and Conditions (archived 13-Dec-2016) — the governing document for the Crowns programme, which prices a Crown nowhere and rules out cashing one out