RBL HyperCITY Reward
CancelA quarter of a percent on everything, and RBL calling five points per hundred a three-percent discount.
no published fee to price it against
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: Reward Points worth ₹500 on ₹2,000 of spend within 60 days of activation
Not valued. We can't value this card until the issuer publishes a fee — every net-value number here would be wrong by exactly the fee we can't find. Everything we can source — the earn rate, the transfer routes, the lounge doors — 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 a fee schedule we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #1048
Why #1048 Carried, not valued. RBL published the spend that reverses this card's fee and never published the fee itself, so there is no honest net figure to rank it on. HyperCITY was sold to Future Retail in 2017 and wound down, which is what ended the card.
The take
The lower tier of RBL's two-card HyperCITY programme, and a much thinner card than the Reward Plus above it: no lounge access, no movie ticket, no milestone bonuses, and a base rate of one reward point per ₹100 — a quarter of a percent at RBL's own redemption value, which is about as low as an Indian card goes. What you got instead was the store rung: five points per ₹100 at any HyperCITY store, capped at ₹10,000 of card spend a month, and the same five points at any Crossword bookstore, HyperCITY's sister brand. RBL marketed that store rung as "a 3% flat discount", and its own asterisk gives the game away: the discount IS the five points. Five points per ₹100 at the ₹0.25 the bank itself quotes is 1.25%, not 3% — so the headline is more than double what the mechanism pays unless you find a redemption worth ₹0.60 a point, which RBL's catalogue did not offer. The fee is the other half of the puzzle: the page promises to reverse it at ₹1.5 lakh of annual spend and never says what it is, and the bank-wide MITC of the same year names sixteen cards and not this one.
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 a fee — every net-value number here would be wrong by exactly the fee we can't find. 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
- 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
- 5 Reward Points per ₹100 at any HyperCITY store, to ₹10,000 of card spend a month
- 5 Reward Points per ₹100 at any Crossword bookstore, uncapped
- Reward Points worth ₹500 as a welcome gift, on ₹2,000 of spend in the first 60 days
- The annual fee reverses at ₹1.5 lakh of annual spend
- 1% fuel-surcharge waiver, to ₹100 a month
Watch out
- WITHDRAWN — HyperCITY was sold to Future Retail in 2017 and wound down, and RBL's co-brand pages stopped being served
- RBL NEVER PUBLISHED THE FEE, only the ₹1.5 lakh spend that reverses it — so nothing here is netted
- "A 3% flat discount" is RBL's own valuation of 5 Reward Points per ₹100; at the ₹0.25 RBL redeems them for, that rung pays 1.25%
- 0.25% on ordinary spend — one Reward Point per ₹100, the thinnest base rate RBL ever shipped
- No airport lounge access of any kind: the word does not appear on this card's page, though the programme hub advertises it across the shelf
- No milestone bonuses and no movie benefit — both live on the Reward Plus tier only
- RBL points are a closed loop: no airline or hotel transfer partner
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 →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,50,000 a year is the bar that waives a fee no issuer document states. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. RBL Bank states what the RBL HyperCITY Reward earns, but has not published which spend categories count toward the fee waiver — the ₹1,50,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
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. HyperCITY passed to Future Retail in 2017 and the chain was wound down; RBL's HyperCITY pages were last served that year and neither tier reached the modern rbl.bank.in catalogue.
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
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
Not published , and we will not invent it: the annual fee.
Every document behind this page — 3 of them, each with the day we read it
- official RBL Bank's HyperCITY Rewards Credit Card page (archived 13-May-2017) — one point per ₹100, five at HyperCITY and Crossword, and the fee reversal at ₹1.5 lakh
- official RBL Bank's HyperCITY programme page (archived 08-May-2017) — the shelf is exactly two cards, Reward and Reward Plus
- official RBL Bank's 2017 Most Important Terms and Conditions — the named fee table with no HyperCITY row, and the book-wide 3.50% foreign-currency markup