RBL Bank novio
CancelCredilio's card on RBL's licence — two points online, one everywhere, and a ₹500 fee that never waived.
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: 2,000 Reward Points for making card purchases of ₹5,000 within 30 days of card issuance
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 travel 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 ₹20,000 a month
At ₹20,000 a month — ₹2,40,000 a year — on the everyday mix this card returns ₹600 gross (earn ₹400 + milestones ₹300) against its ₹500 fee = ₹100 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 · why it ranks #860
Why #860 A quarter of a percent base and half a percent online, on a ₹500 fee with no spend waiver — the milestones were the only real return, and they excluded most of what people actually put on a card. Ranked here on the record; RBL no longer issues it.
The take
novio is a brand, not a bank, and this is the third licence behind it: DCB Bank issues two fixed-deposit-backed novio cards and SBM Bank issues a third, and this was RBL's. RBL names the partner outright — "a Unique card offered by RBL Bank in association with Credilio" — and discloses the commercial arrangement in the same breath, "There is a revenue sharing arrangement between RBL Bank and Credilio.com for this card." Unlike the DCB and SBM novio cards this one was not secured against a deposit; it was an ordinary unsecured RBL card with an ordinary RBL reward grid. Two Reward Points per ₹100 online, one per ₹100 everywhere else — half a per cent and a quarter of a per cent at RBL's own rate — with a ₹99-plus-GST charge every day you redeem. The exclusion list is where the card gets thin: fuel, utilities, insurance, railways, rent, education, wallets, government payments, contracted services, cash and RBL's own Bills2Pay utility facility all earned nothing, and the same list was struck out of the two annual milestones, so the 1,000 points at ₹1.5 lakh and 2,000 at ₹3 lakh were harder to reach than the headline suggests. Against that, a flat ₹500 a year with no spend waiver at all. RBL has stopped issuing it: the card appears in neither the bank's current Schedule of Charges — which still lists Cookies cards issued before May 2021 and the "erstwhile MoneyTap" products, so it does not drop the dead — nor its live sitemap of sixty-odd card pages.
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
₹500/yr at stake · 5 spend bands
The charge ₹500/yr
Break-even ₹20,000 a month — ₹2,40,000 a year — is where this card's value crosses its fee.
At your spend
₹200 a year, net of the fee, at ₹3,00,000 of annual spend
₹1,200 a year, net of the fee, at ₹6,00,000 of annual spend
₹2,200 a year, net of the fee, at ₹12,00,000 of annual spend
₹6,000 a year, net of the fee, at ₹36,00,000 of annual spend
₹9,900 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 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
- 2 Reward Points per ₹100 on all online spends, with no cap published
- 2,000 Reward Points as a welcome benefit for spending ₹5,000 within 30 days
- 1,000 Reward Points at ₹1.5 lakh of eligible annual spend and 2,000 more at ₹3 lakh
- Unsecured, unlike the DCB and SBM novio cards, which are both backed by a fixed deposit
- RBL discloses the co-brand economics on the page itself: a revenue-sharing arrangement with Credilio.com
Watch out
- NO LONGER ISSUED — the card is absent from RBL's current Schedule of Charges and from its live sitemap, and RBL's charge sheet keeps even its retired products
- ₹500 a year with no spend-based waiver of any kind, where most of RBL's ₹499–₹500 shelf carries one
- The base rate is one point per ₹100 — a quarter of a per cent at RBL's own rate
- Eleven MCC groups earn nothing: fuel, utilities, insurance, quasi-cash, railways, rent, education, wallets, government, contracted services and cash — plus RBL's own Bills2Pay bill-payment facility
- The same exclusions apply to the annual milestones, so ₹1.5 lakh of bills and fuel will not reach the first one
- ₹99 plus GST to redeem, charged once per day you redeem
- RBL names no card network for it anywhere, so we print none
- 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
9 sourced rules · 9 pay zero
No longer issued, kept for the holders. RBL prints one MCC table that does double duty: the listed groups earn NO Reward Points at all, AND the same spends are struck out of both annual milestones — "Bonus milestone reward points on achieving annual spends will not include spends/purchases on select Merchant Categories(MCC*)". Everything not listed earns 1 Reward Point per ₹100, or 2 per ₹100 online. Note the last row: Bills2Pay is RBL's OWN bill-payment facility rather than an MCC, and paying a utility bill through it earns nothing whichever way the merchant is coded.
- Fuel · excluded No Reward Points — MCC 0032, 2541, 4001, 5542, 5541 and 5172, filed by RBL under "Fuel & Auto"
- Rent & property management · excluded No Reward Points — MCC 6513, filed by RBL under "Real Estate/Rental"
- Wallet loads · excluded No Reward Points — MCC 6540, "Wallets/Service Providers"
- Utilities (electricity/water/gas) · excluded No Reward Points — MCC 4900, and separately no points for anything paid through RBL's own Bills2Pay facility
Does your spend count toward the milestones?
not published — and we say which
₹1,50,000 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 states what the RBL Bank novio earns and does not earn, but has not published which spend categories count toward the milestones — 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?
income, age and the route in
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's live sitemap no longer carries the card's page and its current Schedule of Charges has no row for it — a table that still prices Cookies cards issued before May 2021 and both "erstwhile MoneyTap" products, so the omission is a decision rather than an oversight. While it ran, the route in was Credilio's, not a branch's. If you hold one, the balance is ordinary RBL Reward Points and redeems on rblrewards.com at ₹99 plus GST per redemption day. The novio brand still ships on two other licences — DCB Bank's two fixed-deposit-backed variants and SBM Bank's — both on this board.
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
3 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
NO LONGER ISSUED — absent from RBL's current Schedule of Charges and from its live sitemap, in a bank whose charge sheet still prices "Cookies (issued before May 10, 2021)" and both "erstwhile MoneyTap" products. A Credilio co-brand, disclosed on the page: "RBL Bank novio Credit Card is a Unique card offered by RBL Bank in association with Credilio" and "There is a revenue sharing arrangement between RBL Bank and Credilio.com for this card". FEE, verbatim: "RBL Bank novio Credit Card comes with a joining fee of INR 500 and an annual fee of INR 500 + GST" — the same figure twice, so one recurring fee, and no spend waiver published. EARN: "2 Reward Points per INR 100 for all your online spends. 1 Reward Point per INR 100 for all other spends." Welcome 2,000 RP on ₹5,000 of purchases within 30 days; milestones 1,000 RP at ₹1.5 lakh and 2,000 RP at ₹3 lakh, both excluding the same eleven MCC groups the earn table excludes. UNSECURED, unlike the DCB and SBM novio cards, which are both backed by a fixed deposit — three licences behind one fintech brand, three different products.
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 RBL Bank's own novio product page (archived 18-Mar-2025) — the Credilio partnership and its revenue-sharing disclosure, the fee, both reward tiers, the two milestones and the full MCC exclusion table
- official RBL Bank's current Schedule of Charges — the fee table this card is missing from, in a document that still prices RBL's retired products