RBL Credit Card Reward Points – Updated Guide to Earning & Redemption

Key Takeaways
 

• RBL Credit Card Reward Points offer strong value by giving points on daily spends such as groceries, travel, dining, and online shopping.
   
• Higher reward rates on select RBL cards, like 10 points per ₹100 on groceries or large milestone bonuses, make accelerated earnings easy.
   
• Redemption options remain flexible, with points usable for shopping vouchers, travel bookings, fuel, merchandise, and bill payments.
   
• Consistent spending, timely payments, and use of high-earning categories or seasonal 5X promotions significantly boost total yearly savings.

Bonus Tip: Use your RBL Credit Card during festive seasons or partner promotions. Combining reward points, cashback, and brand discounts can help you save over ₹10,000 annually, making every transaction smarter and more rewarding.

RBL Credit Card Reward Points are loyalty benefits offered by RBL Bank to reward customers for their everyday purchases. 

Neha Kapoor, a 30-year-old marketing consultant from Bengaluru, spends around ₹40,000 every month on travel, groceries, and dining using her RBL ShopRite Credit Card. With an average of 2 reward points per ₹100 spent, she earns nearly 800 reward points monthly. 

Over the year, these points add up to around 9,600 points, which she redeems for shopping vouchers worth nearly ₹4,800, making her daily expenses more rewarding.

Let’s now understand how RBL Credit Card Reward Points work, which cards offer the best benefits, and the smartest ways to redeem and maximise their value.

Top RBL Credit Cards for Reward Points

RBL Bank offers a diverse range of credit cards, each designed to match different lifestyles and spending patterns. Here are some of the top choices for earning reward points:
 

Each card offers a unique mix of reward rates and lifestyle perks, allowing you to choose one that suits your spending style best.

Types of RBL Credit Card Reward Programmes

RBL Bank’s reward structure varies by card type but generally falls into the following categories:

• Standard Rewards: Earned on routine retail and online purchases.
   
• Accelerated Rewards: Higher points on special categories like dining, groceries, and travel.
   
• Welcome Rewards: Bonus points on joining or activating a new card.
   
• Milestone Rewards: Extra points for crossing annual spending targets, such as 5,000 bonus points for ₹5,00,000 spent in a year.
   
• Renewal Rewards: Annual renewal of your card may fetch you bonus points, depending on the variant.

These programmes ensure that your loyalty and spending are continuously rewarded.

How to Redeem RBL Credit Card Reward Points

RBL makes it simple to redeem your reward points through multiple channels. You can choose between online redemption via net banking or offline support through customer care.

Via Net Banking
 

1. Visit the RBL Rewards Portal or log in to RBL Credit Card Net Banking.
    
2. Go to the ‘Rewards’ section and click on ‘Redeem Points.’
    
3. Browse the available categories: shopping, travel, vouchers, or merchandise.
    
4. Choose your preferred reward and confirm redemption.
    
5. You’ll receive confirmation via email or SMS, and delivery (if applicable) will follow soon.

Typically, the redemption value ranges between ₹0.25 to ₹0.50 per point, depending on the item or service selected.

Via Customer Care

If you prefer assistance, you can also redeem your points through RBL Credit Card Customer Care.

• Call RBL Credit Card Helpline: 022-6232-7777 
   
• Provide your card details for verification.
   
• Share your preferred reward category (shopping, travel, etc.).
   
• The representative will process your request and confirm it via SMS or email.

This option is convenient for those who prefer personal support over online platforms.

RBL Credit Card Rewards Catalogue

The RBL Rewards Catalogue offers a wide range of redemption choices that cater to every lifestyle. Here’s what you can get:

• Shopping Vouchers: Redeem points for brands like Amazon, Flipkart, and Lifestyle.
   
• Travel Rewards: Use points to book flights, hotels, or holiday packages.
   
• Fuel Redemption: Offset petrol or diesel expenses at partner fuel stations.
   
• Gift Items: Exchange points for electronics, watches, or home essentials.
   
• Bill Payments: Redeem points to pay off utility bills or part of your credit card bill.

The catalogue is frequently updated, ensuring fresh and exciting options every few months.

Tips to Maximise RBL Credit Card Reward Points

To get the most from your RBL Credit Card, it’s essential to use it strategically. Here are a few practical tips:

• Focus Spending: Use one primary RBL card for all purchases to accumulate points faster.
   
• Use Bonus Categories: Spend more in high-earning categories like dining, fuel, and groceries.
   
• Track Promotions: Keep an eye on RBL’s seasonal offers that give up to 5X points on select brands.
   
• Pay on Time: Avoid late fees or missed payments, which can result in point forfeiture.
   
• Redeem Regularly: Don’t let points expire, most RBL reward points are valid for 2 years.

By following these steps, you can easily turn your routine expenses into meaningful savings.

Conclusion

The RBL Credit Card Reward Points Programme is an excellent way to make every purchase more rewarding. From daily groceries to luxury travel, each swipe adds value through redeemable points. Whether you prefer cashback, shopping vouchers, or flight bookings, RBL’s flexible redemption options ensure that your card truly works for you.

If you’re looking for a credit card that combines convenience, flexibility, and tangible rewards, an RBL Credit Card is one of the best choices in India’s financial market today.

FAQs Related to RBL Credit Card Reward Points

Q1. Do RBL Credit Card Reward Points get added for wallet load transactions?
RBL Credit Card Reward Points are generally not awarded on wallet loads unless specifically allowed by the card variant.

Q2. Can RBL Credit Card Reward Points be earned on EMI transactions?
RBL Credit Card Reward Points are not usually earned on EMI conversions or EMI purchases.

Q3. Are RBL Credit Card Reward Points credited instantly after a purchase?
RBL Credit Card Reward Points are typically credited after the transaction is settled in the billing cycle.

Q4. Is there any monthly or yearly cap on earning RBL Credit Card Reward Points?
RBL Credit Card Reward Points may have earning caps depending on the card type and reward structure.

Q5. Do fuel transactions earn RBL Credit Card Reward Points across all cards?
RBL Credit Card Reward Points are not earned on fuel spends for most cards, except fuel-linked variants.

Q6. What happens to RBL Credit Card Reward Points if the card account is closed?
RBL Credit Card Reward Points expire immediately once the credit card account is closed.

Q7. Can expired RBL Credit Card Reward Points be reinstated?
RBL Credit Card Reward Points once expired cannot be reinstated by the bank.

Q8. Are RBL Credit Card Reward Points transferable to airline or hotel loyalty programmes?
RBL Credit Card Reward Points cannot be transferred to external loyalty programmes and must be redeemed via the RBL Rewards Portal.
 

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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.