Card Details
Nova Credit Card
Card Issuer
RBL Bank
Joining Fee
₹12,500
Annual Fee
₹12,500
Reward Type
Reward Points
Earn Points
4 Rp/₹200
On purchases
12 Rp/₹200
On flight bookings and hotel stays
Benefits
12 RP per ₹200 on flight and hotel spends
- 12 Reward Points per ₹200 on flight bookings and hotel stays (1 Reward Point = ₹1, so 6% back)
- Lower 2% foreign transaction fee on cross-border purchases
12 domestic and 12 international complimentary…
- 12 domestic and 12 international complimentary lounge visits per year
- Complimentary domestic and international airport lounge access
INR 12,500 welcome gift card
Things to Keep in Mind
Reward earning exclusions include Fuel & Auto, Education, Utilities, Insurance, Quasi-Cash, Real Estate/Rental, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI.
Detailed terms are referenced via Most Important Terms & Conditions and Cardmember Agreement.
The INR 12,500 joining and annual fees were sourced from Paisabazaar and should be confirmed with RBL Bank.
Card insights
What Users Are Saying
Community Feed
Sep 2026
“Rbl nova cc unboxing”
by r/CreditCardsIndia, Sep 2026
“Got RBL nova Credit card with 10 l limit”
by r/IndianCreditCards, Sep 2026
“Has anyone here been using the RBL Nova Credit Card for”
by r/CreditCardsIndia, Jun 2026
“RBL's new promising credit card”
by r/CreditCardsIndia, Jan 2026
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HSBC Premier Credit CardFrequently Asked Questions
₹12,500 + GST per our record, matched by a ₹12,500 welcome gift card. RBL's page did not confirm the fee in our October 2026 check, and users report a waiver at ₹10 lakh annual spend.
The number that decides it: 2 points for 1 mile
RBL Nova earns well. Every ₹200 you spend earns 4 reward points, and RBL values a point at ₹1, so that is 2% back. Flights and hotels booked on RBL's Nova travel portal earn 12 points per ₹200, or 6%. RBL confirmed these rates on its page in October 2026.
The number to look at before you apply is the transfer ratio. If you move points to an airline or hotel partner, 2 RBL points become 1 partner point. Your 2% turns into 1% worth of miles, and the 6% into 3%. Users call this the card's biggest weakness. If you redeem on RBL's portal at ₹1 a point, you keep the full value.
A quarter on Nova
Say you spend ₹3 lakh in a quarter: ₹60,000 on flights and hotels through the portal and ₹2.4 lakh on eligible shopping and dining. That earns 3,600 + 4,800 points, worth ₹8,400 on the portal.
Users also report a ₹10,000 voucher when you spend ₹3 lakh in a calendar quarter. RBL has not confirmed it in our data, so do not plan around it until your card's terms show it. Users also mention monthly caps on points, with no cap amount published.
Now the exclusions, because they are long. Fuel and auto, education, utilities, insurance, rent, wallet loads, government payments, cash, Bills2Pay and EMI all earn nothing. Put those on another card.
What the ₹12,500 fee gets you
Our record lists a joining and annual fee of ₹12,500 + GST, about ₹14,750 with tax. RBL's page did not confirm the fee in our check, so ask before you apply. Users report the annual fee is waived at ₹10 lakh of spend a year.
Year one is close to free: you get a ₹12,500 gift card from Taj Experiences or Luxe Gift Card. On top of that:
- 12 domestic and 12 international lounge visits a year, plus 4 international guest visits
- A 2% forex markup, lower than the usual 3.5%
- Golf rounds and lessons
Users mention premium lounges such as Xenia and Encalm Privé, and a support line that reaches a person without IVR menus. Nova is a Visa card, so it does not work on UPI.
Who gets approved
RBL does not publish an income cut-off. Users report a high income, one mentions a ₹50 lakh ITR, or a large relationship with RBL. Ask your relationship manager first if you are unsure, so a rejection does not land on your credit report.
Who Nova pays off for
Yes, if you book travel through RBL's portal, spend ₹3 lakh a quarter on eligible categories and want 24 lounge visits on one card. No, if you collect airline miles; users prefer the Axis Bank Atlas for transfers. If you can get it, HDFC Infinia is the stronger all-round premium card.
Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva
