RBL Bank UPI Wala Credit Card
Rewards
1st Year Fee: ₹99* Plus Applicable Taxes
Rewards
1 reward point on every Rs. 200 spent
Cashback
20% cashback on the first 2 UPI spends
Entry-level
Low card annual fee of just Rs. 99
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About RBL Bank UPI Wala Credit Card
RBL Bank UPI Wala Credit Card is a RuPay Select card variant for UPI and online transactions. It comes at a low annual fee of just Rs. 99 and is currently available only to select existing RBL credit cardholders. Its core value-back is offered in the form of its reward points, where the cardholders can earn 1 reward point for every Rs. 200 spent. The earned reward points can later be redeemed online by logging into RBL Rewards platform. This rewards program is accompanied by a welcome benefit in the form of cashback.
Though most RuPay credit cards offer base value-back rate on UPI transactions, the reward rate offered by this RBL Credit Card seems to be even lower. Such limited benefits may struggle when compared with other similar cards, like HDFC UPI RuPay and YES PaisaSave RuPay credit cards, which come with a comparatively stronger savings program. Read on to know in detail about RBL Bank UPI Wala Credit Card’s fees, features and benefits.
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.
Features & Benefits
The key features of RBL Bank UPI Wala Credit Card are as follows:
- Welcome Benefit: 20% cashback, up to Rs. 50, on making the first 2 UPI transactions within 15 days of card generation and annual fee payment by the due date
- Reward Earning1: 1 Reward Point for every Rs. 200 spent on UPI transactions2 and online spends
- Reward Redemption: Accrued reward points are redeemable on RBL Rewards platform
- Rewards Validity: 24 months
RBL UPI Wala Credit Card: Fees & Charges
| Particulars | Amount |
|---|---|
| Joining/Annual Fee | Rs. 99 + Applicable Taxes |
| 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 one of the eligible existing RBL credit cardholders
You are looking for a RuPay credit card to make UPI transactions
You generally prefer making UPI or online purchases, over offline ones
Similar Cards:
HDFC Bank UPI RuPay Credit Card
YES Bank PaisaSave RuPay Credit Card
IndusInd Platinum RuPay Credit Card
Paisabazaar Review
What do we like about this card?
RBL Bank UPI Wala Credit Card offers reward points on online spends as well as UPI transactions made online and offline. The accrued reward points can be redeemed against a variety of options by logging into RBL Rewards platform, including travel bookings, shopping for available products and e-vouchers, bill payments, recharges, etc. A welcome benefit of up to 20% cashback on the first 2 UPI spends offers an added value-back to the card users on joining.
Pros
- Reward points earnings on UPI and online spends
- Up to 20% cashback on select UPI spends as welcome benefit
- RuPay credit card with low annual fee
Cons
- Low reward rate on card spends
- No other benefits on any lifestyle spends, except reward points
Frequently Asked Questions
Everything you need to know about this credit card
To be eligible for RBL Bank UPI Wala Credit Card, you must be an existing RBL credit cardholder. Further eligibility is decided as per the internal policies of the bank.
No, RBL Bank UPI Wala Credit Card comes at an annual fee of Rs. 99+GST.
Yes, reward points earned using RBL Bank UPI Wala Credit Card are only valid up to 24 months.
You can redeem the reward points you earn using RBL Bank UPI Wala Credit Card by logging into RBL Rewards portal and use them for shopping, e-vouchers, travel bookings, bill payments, recharges and even charity.
You can make offline purchases using your RBL Bank UPI Wala Credit Card by opting for UPI payment mode.
Footnotes
- No reward points are credit on the following spending categories: Fuel and auto, insurance, utilities, railways, education, government services, real estate/rental, wallets or service providers, quasi-cash, contracted services, EMIs, cash and miscellaneous categories.
- Offline UPI transactions worth less than Rs. 2,000 made at small merchants with a turnover of up to Rs. 20 lakh in the previous financial year are not eligible for rewards points, unless mentioned otherwise.
Click here to know More Terms and Conditions
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.
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