RBL vCard
DowngradeTen percent on pizza, one day a week, capped at ₹250 a month. The rest is 0.25%.
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 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 →
Breaks even only by erasing its fee at ₹14,000 a month
At ₹14,000 a month — ₹1,68,000 a year — on the everyday mix this card returns ₹300 gross (earn ₹300) against a fee of ₹0 — the ₹500 is waived, the spend having cleared ₹1,00,000 a year = ₹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 · why it ranks #875
Why #875 Held below what the headline rate suggests, because the headline rate is a Wednesday. Forty points per ₹100 on pizza is 10% and it is real, but it runs one day in seven, at two chains, and stops at ₹250 of value a month. Every other rupee of the week earns a quarter of a percent.
An RBL Reward Point is worth 25 paise, redeemed at rblrewards.com, and RBL charges ₹99 plus GST every DAY you redeem — once per day, not once per redemption. On a card whose base rate is a quarter of a percent, that fee is about ₹40,000 of base spend, so redeem the whole year in one sitting or the fee outruns the card.
The take
The vCard was RBL's experiment in running a credit card through somebody else's app — a revenue-sharing arrangement RBL discloses on the page itself — and the app is genuinely most of the product: merchant payments, instant transfers into your own account, and EMI conversion, all from the vCard mobile app rather than a bank portal. The rewards are a Wednesday. Forty Reward Points per ₹100 on online Pizza Hut and Domino's orders, twenty on groceries, both only on Wednesdays — 10% and 5% at 25 paise a point, which are eye-catching numbers until you find the ceiling. RBL caps each at 1,000 bonus points a billing cycle, so the pizza rung is worth ₹250 a month and the grocery rung another ₹250, and both need the spend to land on the right weekday. There is also a 1+1 BookMyShow ticket up to ₹200, once a month, for Wednesday shows. Every other rupee of the week earns one point per ₹100 — 0.25% — and fuel, utilities, railways, rent, wallet loads and insurance have earned nothing since 9 October 2023. The fee structure is the honest part: free for the first year, ₹500 from the second, and waived entirely if you spent more than ₹1 lakh the year before. A 4,000-point milestone lands at ₹1.2 lakh of annual spend, which is ₹1,000 — twice the fee you have already had waived. What is not honest is the ₹99 plus GST RBL charges to redeem, once for every day you redeem on, which on a quarter-percent card is roughly ₹40,000 of spending. The card is no longer sold: it is absent from RBL's current Schedule of Charges, and that table still names cards renamed in 2021.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹500/yr at stake · 5 spend bands
The charge ₹0 joining, then ₹500/yr
The waiver ₹1,00,000 of spend in the year before renewal — about ₹8,333 a month — and the renewal fee is not charged.
Break-even ₹14,000 a month — ₹1,68,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹1,500 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹2,000 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹2,900 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,800 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹10,600 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
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
- 40 Reward Points per ₹100 on online Pizza Hut and Domino's orders on Wednesdays — 10% at 25 paise a point
- 20 Reward Points per ₹100 on groceries on Wednesdays
- A 1+1 free BookMyShow ticket up to ₹200, once a month, for Wednesday shows
- Free for the first year, and the ₹500 renewal waives on ₹1 lakh of previous-year spend
- 4,000 bonus points at ₹1.2 lakh of annual spend — ₹1,000, twice the renewal fee
- Fuel surcharge waiver of ₹100 a month on transactions between ₹500 and ₹4,000
Watch out
- Both accelerators run on WEDNESDAYS only — a Tuesday pizza order earns the 0.25% base
- Each accelerator stops at 1,000 bonus points a billing cycle, so the 10% is worth ₹250 a month and the 5% another ₹250
- The pizza rung is two chains, online orders only
- Fuel, utilities, railways, rent, wallet loads and insurance have earned NOTHING since 9 October 2023
- ₹99 plus GST to redeem, charged once per DAY of redemption — batch it or it eats the card
- The card runs through a third party's app under a disclosed revenue-sharing arrangement between RBL Bank and vCard
- No lounge access and no transfer partner — RBL Reward Points reach no airline or hotel programme
- Withdrawn — absent from RBL's current Schedule of Charges, which still carries rows for cards renamed in 2021
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
8 sourced rules · 6 pay zero
WITHDRAWN card, kept for the holders. RBL's page lists the excluded categories by MCC and then puts the whole product on one weekday: "Get 40 Reward Points on every INR 100 spent on online orders of Pizza Hut & Domino's on Wednesdays" and "Get 20 Reward Points on every INR 100 spent on Groceries on Wednesdays", with "Maximum 1,000 bonus reward points each for groceries and pizza spend in a billing cycle". Everything not excluded earns the base 1 Reward Point per ₹100.
- Fuel · excluded No Reward Points — MCC 9752, 5541, 5983, 5172 and 5542. A 1% fuel SURCHARGE waiver of up to ₹100 a month still applies on transactions of ₹500–₹4,000
- Rent & property management · excluded No Reward Points — MCC 6513
- Wallet loads · excluded No Reward Points — MCC 6540
- Utilities (electricity/water/gas) · excluded No Reward Points — MCC 4900
Does your spend count toward the fee waiver?
not published — and we say which
₹1,00,000 a year is the bar that waives the ₹500 fee. 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 vCard earns and does not earn, but has not published which spend categories count toward the fee waiver and the milestones — the ₹1,00,000 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. The product URL 301s away on rblbank.com and RBL's current Schedule of Charges — which still names the Cookies card issued before 10 May 2021, both erstwhile MoneyTap cards and both sides of the Paisa on Demand rename — carries no row for the vCard. When it was sold, the route was the vCard mobile app rather than a branch. The nearest live RBL cards at this fee are the Shoprite and the Play, both ₹500 with a ₹1.5 lakh spend waiver.
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.
WITHDRAWN, in RBL's own words twice over: "We are no longer accepting applications for vCard Credit Card" and "The credit-line functionality and vCard app dashboard functionality have been disabled." Fee shape: "RBL Bank vCard comes free for the first year. 2nd year onwards: Annual Fee of INR 500 + GST", with "Annual Fee 2nd year onwards is waived off if spends are more than INR 1 lac in the previous year" — free to GET, ₹500 to KEEP. Co-brand disclosure, verbatim: "There is a revenue sharing arrangement between RBL Bank & vCard for this card." Rewards are ordinary RBL Reward Points, 1 per ₹100, redeemed on rblrewards.com. Benefits were Wednesday-shaped: a 1+1 BookMyShow ticket worth up to ₹200 once a month for Wednesday shows, 40 RP per ₹100 on online Pizza Hut and Domino's orders on Wednesdays and 20 RP per ₹100 on Wednesday groceries, each bonus capped at 1,000 RP a billing cycle, plus 4,000 bonus RP at ₹1.2 lakh of annual spend and a ₹100-a-month fuel surcharge waiver on ₹500–₹4,000 transactions. Recovered from the pre-migration host rblbank.com; the successor rbl.bank.in 403s the path and its sitemap no longer lists the card.
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 vCard product page, archived 26 September 2023 — the Wednesday accelerators and their cycle caps, the excluded MCCs, the ₹1.2 lakh milestone and the free-first-year fee structure
- official RBL Bank Credit Cards MITC and Schedule of Charges — the current fee table for the whole RBL shelf, which carries no row for the vCard