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RBL Bank NOVA Credit Card

The RBL Bank NOVA Credit Card earns 4 Reward Points per ₹200 (1 Point = ₹1) on all spends and 12 Points per ₹200 on flights & hotels. Enjoy 24 complimentary airport lounge visits a year, a ₹12,500 Taj Experiences welcome gift, complimentary golf, airline point transfers and a lower 2% forex markup — at a ₹12,500 annual fee, waived on ₹10 lakh annual spends. Apply now.

Annual Savings
₹15000
Joining Fee
₹0
Annual Fee
₹12500
Credit Score
720+
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Smart Analysis

Best For Online Shopping
Reward Type Cashback
Network VISA
Employment both

Fee Waiver Logic

The annual fee is waived if you spend ₹10 lakh or more in a year on your card, as per bank policy
Expert Tip

If your yearly spends cross the waiver limit, this card practically becomes FREE while still giving premium cashback returns.

Redemption

  • Flight & Hotel Bookings
  • Vouchers
  • Apparel
  • Perfumes
Conversion Rate: 1 Reward Point = ₹1

All Card Benefits

Detailed reward structure and cashback analysis

Enjoy 24 Complimentary Airport Lounge Access

12 international and 12 domestic complimentary airport lounge visits every year plus 4 guest visits outside India

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Enjoy 24 Complimentary Airport Lounge Access

12 international and 12 domestic complimentary airport lounge visits every year plus 4 guest visits outside India

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Earn 4 Reward Points per ₹200 on Every Purchase

at a full 1 Reward Point = ₹1 redemption value redeemable for luxury handbags, jewellery and getaways plus a ₹10,000 gift card of your choice on quarterly spends of ₹3 lakh or more

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Earn 12 Reward Points per ₹200 spent on Flight Bookings

and hotel stays, and transfer your points to leading global airline partners at 2 Reward Points to 1 Partner Point

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arn 12 Reward Points per ₹200 spent on Flight Bookings

and hotel stays, and transfer your points to leading global airline partners at 2 Reward Points to 1 Partner Point

loyalty
Age Criteria 21-60 years
Salaried Income ₹3 LPA
Self Employed Income ₹3 LPA
CRIF Score 720+
Income Comment

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