Rupay Card - TVS Credit

Key Features and Benefits of Our Co-Brand Credit Cards

TVS Credit RBL Bank Credit Card

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TVS Credit RBL Bank Gold Credit Card

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2000 Reward Points on your first transaction within 30 days. (Reward points benefits will not be applicable for first year free cards).

6000 Reward Points
on your first transaction within 30 days. (Reward points benefits will not be applicable for first year free cards).

1 Reward Point for every Rs.100 spent on select categories.

2 Reward Points for every Rs.100 spent on select categories.

1 Reward Point for every Rs.100 spent on select categories.

2 Reward Points for every Rs.100 spent on select categories.

Enjoy 1 complimentary executive railway lounge access per quarter.

Domestic Airport Lounge Access:
1 Complimentary domestic lounge access on minimum spends of Rs.50,000 per quarter and get an additional complimentary domestic lounge access on minimum spends of Rs.75,000 per quarter under select categories.

International Airport Lounge Access:

1 complimentary international lounge access on minimum spends of Rs.1 Lakh per quarter under select categories.

Enjoy Buy 1 Get 1 movie ticket offer up to Rs.200 off on purchasing 2 or more movie tickets with BookMyShow per month on minimum spends of Rs.10,000 under select categories.

Unlock 2000 Reward Points on annual spends of Rs.1.5 Lakh under select categories.

Enjoy vouchers worth Rs.500 for dining or shopping on minimum spends of Rs.50,000 in a quarter under select categories.

Unlock 6000 Reward Points on annual spends of Rs.2.5 Lakh under select categories.

Fuel surcharge waiver of up to Rs.100 per month on fuel transactions made between Rs.400 and Rs.5,000.

Fuel surcharge waiver of up to Rs.200 per month on fuel transactions made between Rs.400 and Rs.5,000.

Welcome Benefits	2000 Reward Points on your first transaction within 30 days. (Welcome rewards will not be applicable on first year free cards)	6000 Reward Points on your first transaction within 30 days. (Welcome rewards will not be applicable on first year free cards)
Base Rewards	1 Reward Point for every Rs.100 spent on select categories.	2 Reward Points for every Rs.100 spent on select categories.
Accelerated Rewards	2 Reward Points for every Rs.100 spent on e-commerce/online transactions (a maximum of 1000 Reward Points per month) on select categories.	5% cashback on Eazydiner, up to Rs.250 every month 10 Reward Points for every Rs. 100 spent on international purchases.
Lounge Access	Enjoy 1 complimentary executive railway lounge access per quarter.	Domestic Airport Lounge Access: 1 Complimentary domestic lounge access on minimum spends of Rs.50,000 per quarter and get an additional complimentary domestic lounge access on minimum spends of Rs.75,000 per quarter under select categories. International Airport Lounge Access: 1 complimentary international lounge access on minimum spends of Rs.1 Lakh per quarter under select categories.
Milestones	Enjoy Buy 1 Get 1 movie ticket offer up to Rs.200 off on purchasing 2 or more movie tickets with BookMyShow per month on minimum spends of Rs.10,000 under select categories. Unlock 2000 Reward Points on annual spends of Rs.1.5 Lakh under select categories.	Enjoy vouchers worth Rs.500 for dining or shopping on minimum spends of Rs.50,000 in a quarter under select categories. Unlock 6000 Reward Points on annual spends of Rs.2.5 Lakh under select categories.
Fuel Surcharge Waiver	Fuel surcharge waiver of up to Rs.100 per month on fuel transactions made between Rs.400 and Rs.5,000.	Fuel surcharge waiver of up to Rs.200 per month on fuel transactions made between Rs.400 and Rs.5,000.

*Note: Purchases made under the mentioned merchant categories will be excluded from reward points benefits, monthly, quarterly , airport lounge and annual milestone benefits: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay and EMI conversion of retail transactions (Split-N-Pay & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App), fees (if any), charges & GST.
Above mentioned exclusion is not applicable for international purchases and railway lounge benefit.

	TVS Credit RBL Bank Credit Card	TVS Credit RBL Bank Gold Credit Card
Membership Fee (levied in 1st Year)	Rs.500 + GST	Rs.1500 + GST
Renewal Fee (levied 2nd Year Onwards)	Rs.500 + GST	Rs.1500 + GST

Co-Brand Credit Card Frequently Asked Questions

What are the roles and responsibilities of TVS Credit Services and RBL Bank?

TVS Credit Services Limited is the sourcing and co-branding partner for the ‘TVS Credit RBL Bank Credit Card’ and the ‘TVS Credit RBL Bank Gold Credit Card’ (“Co-branded Cards”). RBL Bank retains the sole discretion regarding the issuance, approval, and management of the Co-branded Cards in accordance with its policies. For any queries or concerns related to Co-branded Cards, please contact RBL Bank at 022 62327777 or send an email at cardservices@rblbank.com.

What are the benefits of the TVS Credit RBL Bank Credit card?

Card members enjoy the following benefits with the TVS Credit Co-Brand Credit Card:

Welcome Benefits - 2000 Reward Points on your first transaction within 30 days
Base Rewards - 1 Reward Points/INR 100 on offline / POS purchases under select categories
Accelerated Rewards- 2 Reward Points/INR 100 on online / ECOM purchases under select categories (Capping of 1000 RP per month)
Lounge Access - Enjoy 1 complimentary executive railway lounge access per quarter
Monthly Milestone - Buy 1 Get 1 Movie ticket offer upto INR 200 off on purchasing 2 or more movie tickets at BookMyShow on min spends of INR 10,000 monthly under select categories.
Annual Milestone - 2000 reward points on annual spends of INR 1.5 lacs under select categories.
Fuel Surcharge Waiver - Fuel surcharge waiver up to Rs.100 per month on fuel transactions made between Rs.400 to Rs.5000

Note: Value of 1 Reward Point shall be up to Rs.0.25

Refer detailed Terms and Conditions at - T&C link

Purchases made under the mentioned merchant categories will be excluded from reward points benefits, monthly and annual milestone benefits: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay and EMI

Above mentioned exclusion is not applicable for railway lounge benefit.

What are the benefits of the TVS Credit RBL Bank Gold Credit Card?

Card members enjoy the following benefits with TVS Credit RBL Bank Gold Credit Card:

Welcome Benefits - 6,000 Reward Points on your first Transaction within 30 days.
Base Rewards 2 Reward Points/INR 100 on all purchases under select categories.
Accelerated Rewards- 5% cashback on EazyDiner, up to Rs.250 every month
Lounge Access

Domestic Airport Lounge Access - 1 complimentary domestic lounge access on minimum spends of Rs.50,000 per calendar quarter under select categories. Unlock 2 complimentary domestic lounge access on minimum spends of Rs.75,000 per calendar quarter under select categories.

International Airport Lounge Access - 1 complimentary international lounge access on minimum spends of Rs.1 Lakh per calendar quarter under select categories.
International Benefit 10 Reward Points for every Rs. 100 spent on international purchases.
Quarterly Milestone - Enjoy dining/shopping vouchers worth Rs.500 on making minimum spends of Rs.50,000 in a calendar quarter under select categories.
Annual Milestone - 6000 reward points on annual spends of INR 2.5 lacs under select categories.
Fuel Surcharge Waiver: Fuel surcharge waiver of up to Rs.200 per month on fuel transactions made between Rs.400 and Rs.5,000.

Note: Value of 1 Reward Point shall be up to Rs.0.25

Refer detailed Terms and Conditions at - Product T&Cs

*Above mentioned exclusion is not applicable for international purchases and railway lounge benefit

If I already own a RBL Credit Card will I get the same credit limit as my existing RBL Credit Card?

If you have an existing RBL Bank Credit Card, then the Credit Limit on your new Card will get merged with your existing Credit Limit.

What are the Fees and Charges applicable for the TVS Credit RBL Bank Credit Card?

Membership fee:

Membership Fee: INR 500 + GST (levied in 1st Year)
Renewal Fee: INR 500 + GST (levied 2nd Year Onwards)

What are the Fees and Charges applicable for the TVS Credit RBL Bank Gold Credit Card?

Membership fee:

Membership Fee: Rs.1500 + GST (levied in the 1st Year)
Renewal Fee: Rs.1500 + GST (levied 2nd Year onwards)

How can I apply for the TVS Credit Co-Brand Credit Card?

You can apply for TVS Credit Co-Brand Credit Card and enjoy the exclusive benefits by:

Visiting the official website of TVS Credit Services
Logging into the TVS Credit Saathi App
Visiting select TVS Credit branches

Who can apply for this Credit Card?

Individuals aged 21 to 70 years are eligible to apply for the Credit Card. Approved applicants, based on the bank’s internal policy, will receive the Credit Card.

How can I check the status of my Credit Card application?

You can track the status of your Credit Card application at https://www.rblbank.com/static-pages/track-your-credit-card-application. The available status updates for your application are:

a. Application under processing
b. Application Approved/Declined
c. Credit Card Issued

When do my Welcome Reward Points get credited?

Welcome Reward Points will be credited to your Credit Card account within 60 days from the date of card issuance upon:

Making your first transaction within 30 days of Credit Card issuance
Payment of the membership fee as reflected in your statement

What should I do if my Credit Card is lost or damaged?

If your Credit Card is lost or stolen, you should immediately block it through the RBL MyCard App, visit the nearest branch, or call RBL Bank’s Customer Services helpline at 022 6232 7777 to report the loss and request a replacement.

To block your Credit Card: Login to RBL MyCard App > My Account > Settings > Profile Settings > Report Dispute & Fraud > Fraud

What are Reward Points?

RBL Bank rewards its Credit Card holders with Reward Points for purchases. The more you spend, the more you earn. Redeem these points for a variety of shopping options at rblrewards.com or explore them through the RBL MyCard App.

What is the validity period for Reward Points?

Reward Points are valid for 2 years from the date they are earned, unless otherwise communicated to the Card holder.

How do I earn Reward Points with my TVS Credit Co-Brand Credit Card?

Simply use your TVS Credit Co-Brand Credit Card for purchases to earn Reward Points. Card holders are automatically enrolled in the rewards program and can redeem points for gifts or vouchers of their choice. For more details, refer TVSCS Co-Brand Credit Card Product terms & conditions and TVSCS Co-Brand Credit Card Product terms & conditions.

When will the earned Reward Points be posted to my TVS Credit Co-Brand Credit Card statement?

The total Reward Points earned during a billing cycle will be reflected in the monthly Credit Card statement.

Where can I check my Reward Points?

You can view your earned Reward Points using the RBL MyCard App, by visiting the RBL Bank rewards portal at rblrewards.com, or on your RBL Bank Credit Card statement.

How do I redeem Reward Points earned on my TVS Credit Co-Brand Credit Card?

You can redeem Reward Points earned on your TVS Credit Co-Brand Credit Card through the following options:

Select your desired purchase or redemption and confirm the transaction by entering the OTP sent to your registered mobile number.

Is there any Redemption Fee applicable?

A Reward Redemption Fee of Rs. 99 + GST applies to redemptions made with your TVS Credit Co-Brand Credit Card. This fee is non-refundable if you cancel flight or hotel bookings. However, if you receive a damaged or incorrect product, the fee will be reversed to your Credit Card account.

Are there any minimum points required to redeem Reward Points?

Refer to the detailed Terms and Conditions on RBL Bank’s rewards portal at rblrewards.com.

Can I adjust the earned Reward Points against my TVS Credit Co-Brand Credit Card statement?

No, you cannot adjust Reward Points against your Credit Card statement.

What if I don’t have sufficient Reward Points to redeem?

You can choose to pay partially using the Reward Points and the balance payment through your TVS Credit Co-Brand Credit Card. You can refer to the detailed Terms and Conditions at Terms & Condition (rblrewards.com)

Being an existing customer, can I apply for another loan?

Yes, you can apply for another loan.

What happens to Reward Points if my transaction is canceled?

If a transaction is canceled or reversed, the Reward Points earned from that transaction will be automatically adjusted or debited from your total. You can view the adjusted Reward Points by logging into the RBL MyCard App or RBL Bank’s rewards portal. The adjusted points will also appear in your next Credit Card statement, reflecting the transaction cancellation date.

My Reward Points are showing as zero on the RBL Bank rewards portal, what should I do?

The Reward Points you’ve earned will appear on the portal once your Credit Card statement is generated. If your points are showing as zero, it may be due to a block on your Credit Card account. For more information, call RBL Bank’s Customer Service helpline on 022 6232 7777.

I haven't received 2 Reward Points for my online spending on my TVS Credit Co-Brand Credit Card.

If you exceed the monthly cap of 1,000 Reward Points, you will not earn additional points for online spending beyond this limit

Purchases made under the mentioned merchant categories will be excluded from reward points benefits, monthly, quarterly , airport lounge and annual milestone benefits: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay and EMI conversion of retail transactions (Split-N-Pay & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App), fees (if any), charges & GST.

Above mentioned exclusion is not applicable for international purchases and railway lounge benefit.

How can I set the PIN for my TVS Credit Co-Brand Credit Card?

You can set your PIN using one of the following options:

Visit RBL Bank’s website at rblbank.com/cardpin.
Use the RBL MyCard Mobile App: Log in, go to My Account > Select Card > Settings > Change Card PIN.
Call Customer Services at 022 6232 7777.

How can I enable online transactions on my TVS Credit Co-Brand Credit Card?

To enable online transactions on your TVS Credit Co-Brand Credit Card, use one of the following options:

Visit RBL Bank’s website: applications.rblbank.com/auth-controls
Log in to the RBL MyCard mobile app: RBL MyCard App | RBL Bank
- Login to RBL MyCard App > My Account > Select Card > Settings > Switch On/ Off your Card
Call our customer service helpline at 022 6232 7777

How can I activate my TVS Credit Co-Brand Credit Card to prevent closure?

Activate your TVS Credit Co-Brand Credit Card within 30 days of issuance to avoid closure using one of the following methods:

Make your first successful transaction.
Register on the RBL MyCard app: RBL MyCard App| RBL Bank
Set a PIN of your choice.
Switch ON card settings.
Give a missed call to 9355415959 from your registered mobile number.
Tokenize your card at your favorite merchant site for a seamless shopping experience.
If received via Speed Post, unblock your Credit Card by calling RBL Bank’s customer service on 022 6232 7777.

How can I contact RBL Bank for Credit Card related queries?

You can reach out to RBL Bank for any query via the below mentioned channels:

Call us at 022 62327777
Chat with us at Chatbot | RBL Bank
Send ‘Hi RBL’ to 8433598888 on WhatsApp from your registered mobile number
Email us at cardservices@rblbank.com
Visit nearest branch: rblbank.com/locate-us

Where can I view the Terms and Conditions for my TVS Credit RBL Bank Gold Credit Card?

You can view detailed Terms & Conditions of your TVS Credit RBL Bank Gold Credit Card here.

Where can I view the other Fees and Charges applicable on the TVS Credit Co-Brand Credit Card?

You can refer to the Most Important Terms and Conditions Section to view details on the TVS Credit RBL Bank Credit Card here.

My TVS Credit Co-Brand Credit Card application is approved, but I haven’t received the card yet. What should I do?

Call RBL Bank’s customer service helpline on 022 6232 7777 for the latest information on your Credit Card.

Where can I view my monthly Credit Card statement?

Your TVS Credit Co-Brand Credit Card statement will be sent to the email address registered with the bank and can also be viewed by logging into the RBL MyCard app.

Where can I make the payment due against my TVS Credit Co-Brand Credit Card statement?

Visit the RBL Bank website at rblbank.com to explore various payment methods for your monthly Credit Card statement. Ensure that your statement is settled by the due date.

What is the monthly due date for paying the TVS Credit Co-Brand Credit Card statement?

Your TVS Credit RBL Bank Credit Card payment due date is 20 days from the statement generation date.

Where can I view my TVS Credit Co-Brand Credit Card transaction history?

Settled transaction details are available in your monthly Credit Card statements. You can also view your transaction history in the RBL MyCard app. For more information, visit RBL MyCard App | RBL Bank.

What is CC on UPI?

Cardmembers having RBL Bank Credit Cards issued on RuPay network can link their Cards to UPI (Unified Payments Interface) account. Through this integration, RBL Bank Credit Cards can be used to make payments on UPI enabled platforms and apps. It simplifies transactions by offering wider range of payment options.

Is this feature available on RBL Bank Credit Cards issued on RuPay Network only?

Yes. This is an exclusive feature which is offered by RuPay network only.

How can I link my Credit Card to UPI?

Download and register on your preferred UPI App (Only for 1st time UPI App users)
Login to registered UPI App & select “Link RuPay Credit Card” or “Add Credit Card on UPI”
Select “RBL Bank” as Credit Card Issuer Bank
Your RBL Bank Credit Cards issued on RuPay network will be auto-discovered
Select the RBL Bank credit card you want to link and proceed
Generate UPI PIN if not already generated

https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi

How can I make payments with my RBL Bank Credit Card using UPI?

1. Through merchant QR Code OR merchant UPI ID

Scan QR or enter details like UPI ID, amount
Select preferred “RBL Bank Credit Card”
Enter UPI PIN and confirm

2. Through Online Payments

You can select UPI as a preferred payment option on any merchant App/website
Complete your order on the merchant App/website
Enter your UPI PIN during checkout and proceed

Note – a. Status of transaction can be seen in Transaction History of the app or on your MyCard app. b. CC on UPI is not available for P2P transactions. c. Visit RuPay website for more details (https://www.npci.org.in/what-we-do/rupay/rupay-credit-card-on-upi)

Can I send money using CC on UPI to another person’s bank account (P2P transfers)?

No CC on UPI cannot be used to perform P2P transactions. E.g., you cannot send money using CC on UPI to another person’s bank account. It can only be used for merchant payments.

Does RBL Bank charge any CC on UPI transaction fee?

No. RBL Bank does not charge any per transaction fee for using credit cards on UPI.

Am I allowed to stop/reverse/cancel a transaction after I have completed payment via CC on UPI?

No, after you initiate a transaction via a UPI App, you cannot cancel the transaction. After initiating the transaction, the UPI will prompt you to check the payment details. Note - In case goods or services against the payment has not been received, in such scenarios cardmembers may dispute the transaction by calling Bank’s Customer Services at 022 6232 7777.

Will my CC on UPI transactions appear on my credit card statement?

Yes. If you are using RBL Bank Credit Card to make UPI payments, then all such transactions will be listed in your credit card statement as per your billing cycle.

Can I switch off my CC on UPI using RBL Bank Credit Card?

Yes, RBL Bank allows cardmembers additional security and control by giving an option to switch off UPI by following the below steps. Steps:

Login to RBL MyCard app -> select “Settings” -> “Select your RBL Bank Credit card”
Switch On/Off CC on UPI and confirm
Your UPI preference settings will be updated

Note - a. This feature will be only visible to RBL Bank Credit Cards issued on RuPay network b. Deactivating UPI toggle will not impact other modes of payment like Online/POS c. This functionality is also available on RBL Bank mobile app (MoBank app) and chatbot

Is there a transaction or daily limit for CC on UPI?

Yes, currently the daily as well as per transaction limit is INR 1 lac. There is also a capping of 20 total number of transactions for a day. For specific merchant categories like education the limit is relaxed to INR 5 lacs. Note – The mentioned limits are subject to change as per NPCI guidelines.

Will I earn reward points for CC on UPI transactions?

Cardmembers will earn reward points as defined in Product Terms & Conditions. However, for CC on UPI, if the transaction amount at a physical store is less than INR 2000, Cardmember will not earn reward points. You can view details on RBL Bank website (https://www.rblbank.com/)

Can I use my RuPay Credit Card as a NCMC Card ?

Your TVSCS RBL Bank Gold Credit Card and TVSCS RBL Bank Credit Card (RuPay Variants) is equipped with NCMC Feature. It enables card members to make On-the-Go payments across Metro stations, bus terminals etc. in a fraction of second, just by tapping the card on the card reader. For more information please visit : https://www.rblbank.com/rbl-bank-rupay-credit-card?srsltid=AfmBOoqI5hZsN4Ve6CT08DLT1U-T6TUZXG8VBAJ6Zp1_L1r-5VDOkMG-

'Hold the winning card' with TVS Credit RBL Bank Gold Credit Card

'Hold the winning card' with TVS Credit RBL Bank Credit Card

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About Our Co-Brand Credit Cards

Welcome Benefits

Travel Benefits

Movie Benefits

Shopping Benefits

Fuel Surcharge Waiver Benefit

Key Features and Benefits of Our Co-Brand Credit Cards

Welcome Benefits

Base Rewards

Accelerated Rewards

Lounge Access

Milestones

Fuel Surcharge Waiver

RuPay Benefits

Make quick & secure transactions with Unified Payments Interface (UPI) feature on our Co-brand Credit Card

Unlock contactless travel with National Common Mobility Card (NCMC) feature with TVSCS RBL Bank RuPay Co-brand Credit Card

Strong presence in India and Expanding Worldwide Acceptance

Extensive Global Coverage

Charges on Our Co-Brand Credit Cards

Co-Brand Credit Card Frequently Asked Questions

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'Hold the winning card' with
TVS Credit RBL Bank Gold Credit Card

'Hold the winning card' with
TVS Credit RBL Bank Credit Card