RBL Bank Black
DowngradeA renamed, closed-to-new-applicants card — 1 lounge visit a quarter and 2.5% online to a low cap.
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
Welcome: 12,000 Reward Points on paying the annual fee and activating the card within 30 days of issuance — credited within 60 days
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 for itself at ₹25,000 a month
At ₹25,000 a month — ₹3,00,000 a year — on the everyday mix this card returns ₹3,300 gross (earn ₹1,300 + milestones ₹2,000) against its ₹3,000 fee = ₹300 net — the first rung at or above ₹0. 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
RBL Bank Black is the same product the MoneyTap credit-line partnership sold as "RBL Bank MoneyTap Black" — RBL's own Schedule of Charges lists it as one row, "erstwhile RBL Bank MoneyTap Black Credit Card", still ₹3,000 a year from year one with no waiver path. The only public application funnel the desk could find, the MoneyTap-branded product page, states outright it is "no longer accepting applications" — so this is modelled `closed`, holders-only, even though the card is not formally withdrawn on RBL's fee schedule. What it offered: 1 domestic lounge visit a calendar quarter with no spend gate stated, 2 Reward Points per ₹100 (0.5% at ₹0.25 a point) on ordinary spend, 10 per ₹100 online (2.5%) to a tight 500-point monthly cap, a 12,000-point welcome and an 8,000+8,000 milestone ladder across ₹2.5 and ₹4 lakh. A radar note flagged a possible separate "line setup fee" gating the welcome benefit; the card's OWN current Terms and Conditions name no such fee or amount anywhere — the welcome benefit is conditioned only on paying the annual fee and activating within 30 days. ₹3,000 with no waiver, for one ungated lounge visit a quarter, was a thin deal even before the door closed.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹3,000/yr at stake · 5 spend bands
The charge ₹3,000/yr
Break-even ₹25,000 a month — ₹3,00,000 a year — is where this card's value crosses its fee.
At your spend
₹300 a year, net of the fee, at ₹3,00,000 of annual spend
₹3,500 a year, net of the fee, at ₹6,00,000 of annual spend
₹6,000 a year, net of the fee, at ₹12,00,000 of annual spend
₹16,100 a year, net of the fee, at ₹36,00,000 of annual spend
₹26,200 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
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 / MWYN Tech (MoneyTap) 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
- 1 domestic lounge visit every calendar quarter — no spend threshold stated in the current T&C
- 12,000-point welcome bonus, and an 8,000+8,000 milestone ladder across ₹2.5/4 lakh of annual spend
- 1,000 bonus Reward Points every month on 5 transactions of ₹1,000 or more
- 10 Reward Points per ₹100 (2.5%) online, though capped at a tight 500 points a month
Watch out
- CLOSED to new applications — the MoneyTap-branded product page states 'We are no longer accepting applications for RBL Bank MoneyTap Black Credit Card'. RBL's fee schedule still lists the renamed product, so existing holders keep the card
- ₹3,000 a year FROM YEAR ONE with no spend-based waiver named anywhere
- The online 2.5% caps at just 500 Reward Points a month — about ₹5,000 of online spend before it stops
- 2 RP per ₹100 (0.5%) on ordinary spend outside the online bucket
- 3.5% forex markup — this is a domestic card
- 1 point = ₹0.05 on any redemption that is not a flight or a hotel, plus a ₹99 + GST fee per redemption day
- 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
13 sourced rules · 8 pay zero
RBL Bank Black (erstwhile MoneyTap Black) earns 2 Reward Points per ₹100 on "all purchases like travel, groceries, dining" and 10 per ₹100 online, the online rate capped at 500 points a month. Effective 15 October 2024 BOTH the base and the accelerated rates stopped accruing on the exclusion list below, and the same list strips the 1,000-point monthly bonus and the milestone ladder. Mastercard.
- Fuel · excluded No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the T&C's own category/MCC exclusion table; the 1% fuel surcharge waiver is the only fuel benefit
- Rent & property management · excluded No points — "Real Estate/Rental" (MCC 6513) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on every rental transaction, bank-wide
- Wallet loads · excluded No points — "Wallet/Service Providers" (MCC 6540) on the T&C's own category/MCC exclusion table
- Utilities (electricity/water/gas) · excluded No points — "Utilities" (MCC 4900) on the T&C's own category/MCC exclusion table. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide
per RBL Bank / MWYN Tech (MoneyTap) T&C · rank every card by spend category →
Does your spend count toward the milestones?
not published — and we say which
₹2,50,000 a year is the bar for the first milestone. 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 / MWYN Tech (MoneyTap) states what the RBL Bank Black earns and does not earn, but has not published which spend categories count toward the milestones — the ₹2,50,000 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
32 of 793 tracked doors
Opens 32 of 793 tracked lounge doors across 19 airports — see the full map →
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.
RBL Bank / MWYN Tech (MoneyTap) 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 / MWYN Tech (MoneyTap) 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.
Fee ₹3,000 both years, no spend waiver. RBL has RENAMED this card — both the MITC and the Schedule of Charges now print "RBL Bank Black Credit Card (erstwhile RBL Bank MoneyTap Black Credit Card)", and the product T&C is written throughout as the Black Card. Base earn is 2 Reward Points per ₹100; online spend earns 5X (10 points per ₹100) but only to 500 points a month, and a further 1,000 points a month land for making at least five transactions of ₹1,000 or more. Effective 15 October 2024 both base AND accelerated points stopped accruing on Fuel & Auto, Quasi-Cash, Real Estate/Rental, Education, Wallet/Service Providers, Contracted Services, Miscellaneous, Cash, Bills2Pay and EMI conversions — the same date the monthly and milestone programmes adopted the exclusion list. Milestones pay 8,000 points at ₹2.5 lakh and 8,000 more at ₹4 lakh of annual spend. Lounge is 1 domestic visit a calendar quarter with no spend gate. Fuel surcharge waiver 1% on ₹500–₹4,000 fills, capped ₹100 a month. The card carries a credit-line facility (XpressCash since 20 Nov 2024, moved off the MoneyTap app onto RBL's own MyCard) whose EMI interest rate RBL sets at its sole discretion and does not publish. No income or age criteria published.
per the official RBL Bank / MWYN Tech (MoneyTap) 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 / MWYN Tech (MoneyTap)'s own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 5 of them, each with the day we read it
- official Product page — states "We are no longer accepting applications for RBL Bank MoneyTap Black Credit Card"; also carries the ₹3,000 fee, lounge quota and reward rates
- official Product T&C — §3.1 the welcome, §3.4 the 2/10 Reward Point grid, §3.5 the milestone ladder, §3.7 the ungated domestic lounge clause
- official Co-brand role-and-responsibilities annex (MWYN Tech Pvt Ltd) — describes the credit-line funds-transfer mechanic; does not name a line-setup fee amount
- official Schedule of Charges — "RBL Bank Black Credit Card (erstwhile RBL Bank MoneyTap Black Credit Card): INR 3,000 (1st Year) / INR 3,000 (2nd Year onwards)", confirming the rename and no spend waiver
- official Bank-wide MITC — up to 3.5% forex markup (the 0% carve-out names only the Safari family and Lumière)