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RBL NOVA Credit Card
Travel
Lounge Access
Rewards
1st Year Fee: ₹12,500* Plus Applicable Taxes
Rewards
Up to 6% value-back as reward points
Lounge Access
Upto 24 visits a year and 4 guest access
Dining
10% off at fine-dining restaurants in India
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About RBL NOVA Credit Card
RBL NOVA Credit Card is a premium offering which allows the cardholders to accrue good value-back primarily through its rewards program and travel benefits. With up to 6% savings on travel, with luxury stay gift cards and complimentary airport lounge access for card users and guests, this card can be a decent companion for travel enthusiasts. However, to make the most of the high rewards rate on travel, cardholders will have to restrict themselves to a dedicated RBL platform to make their flight and hotel bookings.
Further focusing on assisting a luxury lifestyle, this RBL Credit Card also provides complimentary golf rounds and lessons, along with discounted fine-dining experiences. Additionally, it allows high-spenders to maximise their savings by offering gift cards of considerable value as quarterly milestone bonuses. Read on to know more about RBL NOVA Credit Card.
Note: This Card is not available on Paisabazaar. The content on this page is for information only. To express interest in this card, please visit RBL Bank’s website.
Reward Program
Accelerated Reward Rate:
- 12 Reward points per Rs. 200 spent on flight and hotel bookings made on nova.rbl.bank.in
Base Reward Rate:
- 4 Reward points per Rs. 200 spent on other purchases1
Reward Redemption:
- 1 Reward Point = Rs. 1, redeemable against travel bookings and luxury products and vouchers
Other Features & Benefits
- Welcome Benefit: Taj Experiences or Luxe gift card worth Rs. 12,500
- Airport Lounge Access:
- Domestic Lounge: 12 complimentary visits per year
- International Lounge: 12 complimentary visits per year
- Guest Access: 4 complimentary lounge visits per year outside India
- Milestone Bonus: Rs. 10,000 gift card on Rs. 3 lakh quarterly spend
- Golf Benefit: 12 complimentary golf lessons and 4 golf rounds per year
- Dining Benefit: 10% off at leading fine-dining restaurants in India
RBL NOVA Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Annual Fee | Rs. 12,500 + Applicable Taxes |
| Forex Mark-up Fee | 2% |
| Finance Charges | Up to 3.99% per month or 47.88% per annum |
| Late Payment Charges | 12.5% of total outstanding amount, subject to a min. of Rs. 5 and a max. of Rs. 1,300 |
Things to Know Before you apply
Get This Card If:
You are looking for a card with primary focus on travel and rewards
You want a credit card that comes with complimentary airport lounge visits for guests
You are a high-spender and can maximise your savings by availing the milestone bonus
You are looking for premium card for a luxury lifestyle with travel, fine-dining, elite hotel stays and luxury purchase-related benefits
Paisabazaar Review
What do we like about this card?
RBL NOVA Credit Card offers good travel benefits in the form of accelerated rewards, global airport lounge access for card users as well as international access to guests, and luxury stay gift card. Moreover, uncapped rewards with a 2% value-back on all other card spends can prove to be quite good for overall savings. This card proves its premium status by further supporting a luxury lifestyle through benefits, like golf access and discount offers at fine-dining restaurants.
Pros
- Up to 6% back on travel spends
- Uncapped rewards with 2% base rate and 1:1 redemption ratio
- 12 free airport lounge visits each in and outside India
- Free guest visits to international airport lounges
- Golf and dining offers
Cons
- No option to avail fee waiver
- Accelerated rewards on travel limited to a specific platform
Frequently Asked Questions
Everything you need to know about this credit card
You are charged with a 2% forex mark-up on international spends made using RBL Bank NOVA Credit Card.
No, you can earn 12 reward points per Rs. 100 spent , i.e. 6% value-back only on travel bookings made using nova.rbl.bank.in.
Yes, RBL NOVA Credit Card comes with 4 complimentary visits for guests every year, however this guest access is limited to airport lounges outside India.
You can earn gift cards worth up to Rs. 40,000 as milestone bonus every year, where you get Rs. 10,000 gift card on Rs. 3 lakh quarterly spends.
You can get complimentary golf access, dining discount and milestone bonus as gift cards with RBL NOVA Credit Card.
Footnotes
- Fuel & Auto, insurance, utilities, government services, quasi-cash, real estate/rental, wallet/service providers, contracted services, cash, EMI, Bills2Pay and miscellaneous are excluded from the reward program.
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Lepakshi Phogat
Lepakshi is a content writer specialising in personal finance and credit cards. She translates complex financial concepts into practical advice, helping readers make informed financial decisions. Whether it is helping them choose the right credit card or offering strategies to build their credit score, she writes to make personal finance less intimidating and more empowering.
