RBL Bank Quick Pay Credit Card

Why is there a Quick Pay card in my RBL app?

That is the question most people bring to this card. In the sentiment report, 6 of 15 threads describe finding an active Quick Pay card in the RBL app without having applied for it. Four more describe a KYC link or OTP screen that named Quick Pay while the person thought they were applying for RBL ShopRite or IndianOil RBL XTRA. Three say support told them they had "given consent".

We cannot verify each account, and RBL does not describe any bundling. But it comes up often enough that you should read the product name on every OTP and KYC screen when you apply for any RBL card. If it says Quick Pay and you did not choose it, stop and call RBL first.

What ₹99 a year actually buys

If you do want it, Quick Pay is RBL's low-cost RuPay card for UPI. RBL markets it as "Your INR 99 UPI Card". The joining and annual fees are ₹99 each, plus GST, with no fee waiver stated. Because it is RuPay, you can link it to UPI apps and pay merchants by scanning QR codes. Users say the virtual card shows up in the RBL app almost at once.

The welcome offer is small: 20% cashback on your first 2 UPI payments within 15 days of issue, capped at ₹50 in total. It is only for select existing RBL credit cardholders, needs the fee paid by the due date, and can take up to 60 days to credit. In practice, two ₹125 UPI payments get you the full ₹50.

1 point per ₹200 is not a rewards card

Quick Pay earns 1 reward point per ₹200 of eligible spend. RBL does not state what a point is worth, so we do not print a percentage, but on any likely value it is a low rate. Cash, education, EMI, fuel, government payments, insurance, rent, utilities and wallet loads earn nothing at all.

Treat it as a payment tool for small UPI spends, not something to earn on. Forex markup, interest and late fees are not in our record, so check RBL's terms before you carry a balance or use it abroad.

Getting rid of it cleanly

If the card arrived uninvited, sort it out quickly rather than ignoring it. A new credit line shows on your credit report, and an unpaid ₹99 fee can turn into a late payment.

• Screenshot the app notification, any SMS and the KYC screen.
• Check your first statement for the ₹99 fee and GST.
• Ask RBL in writing to close the card, say clearly that you did not apply, and keep the complaint number.
• Get a written "no dues" confirmation, then check your credit report after 30 to 60 days.

Users in the report who got nowhere with RBL's grievance process took their cases to the RBI Ombudsman.

Keep it or close it?

Keep it only if you chose it, already use an RBL card, and want a cheap RuPay line kept separate for small UPI payments. Pay in full each month.

If you want real rewards on UPI, the POP-CLUB Credit Card is built for that, and the HSBC RuPay Platinum gives you UPI with no annual fee. More on RBL as an issuer in our RBL Bank guide.

Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva