RBL Bank

Starter

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RBL Play Card

lifestyle

RBL Bank · Starter

RBL Play Card

lifestyle 10% on Entertainment

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The bottom line

First-year value

+₹3,100.00

incl. joining fee

Ongoing / yr

+₹3,100.00

after ₹500.00 fee

Fee payback

~2 mo

rewards cover the fee

Why it fits: your spend is 4% in this card's accelerated categories — strongest on Entertainment, worth about ₹300/month back.

Estimated on an illustrative spend profile. Use the calculator below to match your own.

What would this card earn you?

Monthly spend₹82,400

₹32,960Your spend₹1,64,800

Annual reward

₹3,600

Annual fee

₹500

Net value

+₹3,100

View category breakdown

Entertainment₹3,600/yr@ 10%

Reward rates

Entertainment10 %

Key facts

Annual fee

₹500.00

Joining fee

₹500.00

Interest (p.m.)

3.6%

Forex markup

3.5%

Domestic lounge

None

Intl lounge

None

Fuel waiver

1% (₹100/mo cap)

Min CIBIL

680+

Welcome benefit

₹500 BookMyShow voucher on activation

Key Fact Statement

As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data

RBI KFS

Parameter	Value	Note
Loan/credit product	RBL Bank RBL Play Card Credit Card	Product name
Annual Percentage Rate (APR)	43.20% p.a.	Effective cost of credit on outstanding balance
Monthly finance charge	3.60% per month on outstanding	Applied after interest-free period lapses
Interest-free period	Up to 50 days (if full due paid by due date)	No interest when bill settled in full each cycle
Annual fee / joining fee	₹500 joining · ₹500 annual	Charged on first statement and each anniversary
Minimum amount due (MAD)	5% of total outstanding or ₹200 (whichever is higher)	Paying only MAD incurs finance charge on remaining balance
Late payment charge	₹100–₹1,300 depending on outstanding amount	Levied if MAD not paid by due date
Cash advance fee	2.5% of amount or ₹500 (whichever is higher)	Plus finance charge from day of withdrawal
Forex markup fee	3.50% on international / foreign-currency transactions	Over and above the card network exchange rate
Over-limit fee	2.5% of over-limit amount or ₹550 (whichever is higher)	If spend exceeds sanctioned credit limit
Representative example	₹10,000 outstanding for 12 months at 3.60%/month = total repayable ₹12,491 (APR 43.20%)

Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.

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Soft check via the RBI Account Aggregator framework — no impact on your CIBIL score.

Overview

The RBL Play Card is a lifestyle starter credit card issued by RBL Bank, designed for Indian consumers who love movies, events, and entertainment. With a low annual fee of ₹500 and a welcome benefit that immediately offsets the joining cost, it is a practical entry-level card for those beginning their credit journey. Apply through Naxelona to compare eligibility and get started quickly.

Key benefits

Key Benefits

₹500 BookMyShow Voucher credited on card activation, effectively neutralising the joining fee for entertainment lovers.
1% Fuel Surcharge Waiver on fuel transactions, capped at ₹100 per month, helping reduce everyday travel costs.
Easy eligibility criteria make this a strong choice for first-time credit card applicants with a minimum annual income of ₹2,40,000.

Rewards

Rewards Programme

10% Reward Rate on Entertainment – Earn accelerated rewards on eligible entertainment spends including movies, events, and streaming platforms supported by the card.
Reward points can be redeemed as per RBL Bank's prevailing redemption catalogue and terms.
No reward points are mentioned for other spend categories beyond entertainment under the standard programme.

> Note: Reward earning and redemption are subject to RBL Bank's reward programme terms, which may change. Always verify the latest earning rates and redemption options directly with RBL Bank.

Fees & charges

Fees & Charges

| Charge | Amount |
|---|---|
| Joining Fee | ₹500 |
| Annual Fee | ₹500 |
| Finance Charge (Interest) | 3.6% per month |
| Foreign Currency Markup | 3.5% of transaction value |
| Fuel Surcharge Waiver Cap | ₹100 per month |

The 3.6% per month finance charge applies to outstanding balances not paid in full by the due date. Paying your bill in full each month avoids this charge entirely.
The 3.5% forex markup makes this card relatively expensive for international transactions; consider a dedicated travel card for overseas use.

Features

Card Features

Card Type: Lifestyle / Starter Credit Card
Issuing Bank: RBL Bank
Network: As per RBL Bank's card network (verify at issuance)
Domestic Airport Lounge Access: Not available (0 visits per year)
International Airport Lounge Access: Not available (0 visits per year)
Fuel Surcharge Waiver: 1% waiver, up to ₹100 per billing cycle
Welcome Benefit: ₹500 BookMyShow voucher on card activation
Suitable as a starter card for building a credit history while enjoying entertainment perks.

Eligibility

Eligibility Criteria

To apply for the RBL Play Card, applicants generally need to meet the following requirements:

Minimum Annual Income: ₹2,40,000
Minimum CIBIL Score: 680
Nationality: Indian resident
Age: As per RBL Bank's standard credit card application norms (typically 21–60 years for primary cardholder; verify with RBL Bank)
Employment Type: Salaried or self-employed individuals meeting the income threshold

> Final approval is at the sole discretion of RBL Bank based on their internal credit assessment policies.

Terms

Terms & Conditions

All fees, interest rates, reward rates, and benefits mentioned on this page are based on information available at the time of publication and are subject to change by RBL Bank without prior notice.
The ₹500 BookMyShow welcome voucher is subject to activation conditions specified by RBL Bank; terms governing voucher validity and usage apply.
The 10% entertainment reward rate applies to eligible spends as defined by RBL Bank; certain merchant categories or transactions may be excluded.
The 1% fuel surcharge waiver is applicable on transactions within RBL Bank's specified fuel spend range and is capped at ₹100 per billing cycle.
Finance charges of 3.6% per month will be levied if the total outstanding amount is not paid by the payment due date.
Forex markup of 3.5% applies to all international and foreign-currency transactions.
Naxelona is an independent financial products marketplace and is not affiliated with or endorsed by RBL Bank. Information provided is for reference purposes only. Terms and conditions apply. Please read the Most Important Terms and Conditions (MITC) document issued by RBL Bank carefully before applying.

Frequently asked questions

What is the annual fee for the RBL Play Card?

The RBL Play Card has an annual fee of ₹500 and a joining fee of ₹500. The joining fee is effectively offset by the ₹500 BookMyShow voucher you receive on card activation.

What welcome benefit do I get with the RBL Play Card?

Upon activation of the RBL Play Card, you receive a ₹500 BookMyShow voucher. This voucher can be used to book movies or events on the BookMyShow platform, subject to the voucher's terms and validity.

How much interest will I pay if I don't clear my RBL Play Card bill in full?

If you do not pay your full outstanding balance by the due date, RBL Bank will levy a finance charge of 3.6% per month on the unpaid amount. To avoid interest charges entirely, always pay your statement balance in full before the payment due date.

Is the RBL Play Card good for international travel or foreign currency transactions?

The RBL Play Card is not ideally suited for international use. It carries a foreign currency markup of 3.5% on all transactions made in foreign currencies, which can add significantly to your overseas spending costs. It also offers no international airport lounge access. A dedicated travel credit card would be more economical for frequent international travellers.

What is the minimum income and CIBIL score required to apply for the RBL Play Card?

You need a minimum annual income of ₹2,40,000 and a minimum CIBIL score of 680 to be eligible for the RBL Play Card. Final approval is subject to RBL Bank's internal credit assessment process.

Does the RBL Play Card offer airport lounge access?

No, the RBL Play Card does not include any complimentary domestic or international airport lounge access. If lounge access is a priority for you, you may want to consider a higher-tier travel or premium credit card.