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RBL NOVA Credit Card

The RBL NOVA Credit Card is designed for premium lifestyle benefits. Cardholders can earn up to 6% value-back as reward points, enjoy up to 24 lounge visits per year with 4 guest accesses, and get 10% off at fine-dining restaurants in India. Annual fee is ₹12,500 plus taxes.

RBL NOVA Credit Card

About RBL NOVA Credit Card

The RBL NOVA Credit Card is a premium option designed for those who enjoy travel and luxury experiences. Cardholders can earn up to 6% value-back on travel bookings, access complimentary airport lounges for themselves and guests, and enjoy exclusive luxury stay gift cards.

For travel rewards, bookings must be made through the designated RBL platform to earn the maximum benefits.

Beyond travel, the card enhances a luxury lifestyle with perks such as complimentary golf rounds and lessons, discounted fine-dining experiences, and quarterly milestone bonuses in the form of high-value gift cards for frequent spenders.

Rewards Program

Enhanced Earnings:
Earn 12 reward points for every Rs. 200 spent on flight and hotel bookings through the card’s travel portal.

Standard Earnings:
Receive 4 reward points for every Rs. 200 spent on all other purchases¹.

Redemption Options:
Each reward point is worth Rs. 1 and can be redeemed for travel bookings, lifestyle products, gift vouchers, and more.

Additional Features & Benefits

Welcome Gift: Enjoy a luxury experience or gift voucher valued at Rs. 12,500 upon card activation.

Airport Lounge Access:

  • Domestic Lounges: 12 complimentary visits annually

  • International Lounges: 12 complimentary visits annually

  • Guest Privileges: 4 complimentary lounge visits per year at overseas airports

Milestone Reward: Receive a Rs. 10,000 gift voucher on a quarterly spend of Rs. 3 lakh.

Golf Privileges: Avail 12 complimentary golf lessons and 4 rounds of golf each year.

Dining Offers: Get 10% off at top fine-dining restaurants across the country.

RBL NOVA Credit Card: Fees & Charges

ParticularsAmount
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 Consider Before Applying

This Card is Ideal For:

  • Individuals seeking a card focused on travel and reward points.

  • Those who want complimentary airport lounge access for themselves and their guests.

  • High-spenders aiming to unlock milestone bonuses and maximize benefits.

  • Anyone looking for a premium card that enhances a luxury lifestyle with travel perks, fine dining, elite hotel stays, and exclusive shopping privileges.

FAQs

What is the forex markup fee on international spends?

A 2% forex markup is applied to all international transactions made with this credit card.

Yes, you earn 12 reward points for every Rs. 100 spent on travel bookings through the card’s designated travel portal, effectively giving 6% value back.

Yes, the card provides 4 complimentary guest visits per year, applicable only at lounges outside India.

You can receive gift vouchers worth up to Rs. 40,000 per year, with Rs. 10,000 awarded on every quarterly spend of Rs. 3 lakh.

Yes, the card also offers complimentary golf access, dining discounts, and milestone gift vouchers.

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