Card Details
BankBazaar SaveMax Credit Card
Card Issuer
RBL Bank
Joining Fee
Zero
Annual Fee
Zero
Reward Type
Reward Points
Card Access
Standard
Earn Points
1 Rp/₹100
On eligible spends
5 Rp/₹100 (5x)
On grocery spends (up to 1,000 rp per month)
10% Cashback
On zomato (up to ₹100 per month)
10% Instant discount
On bookmyshow (up to ₹100 per month)
Benefits
5x reward points on grocery spends (up to 1,000…
- 5× reward points on grocery spending
- 5x reward points on grocery spends up to 1,000 reward points per month
10% instant discount on BookMyShow
- 10% instant discount on BookMyShow
Lifetime-free card
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: emi, cash, wallet
Estimated Returns
Groceries
cap 1000RP=250
₹250
BookMyShow
cap 100
₹100
Zomato
cap 100
₹100
All other spends
0.25%
₹20
Total Annual Return
₹5,640
1.57% Effective ROIThings to Keep in Mind
Grocery rewards are capped at 1,000 reward points per month.
Base reward points are not earned on excluded categories including fuel and auto, railways, utilities, insurance, wallets, government services, EMI, cash, quasi-cash, education, contracted services, miscellaneous, and Bills2Pay.
Base reward-point exclusions were expanded effective 15 October 2024.
Fuel, railway, utilities, insurance, wallet, government and rental payments may be excluded from rewards.
The fetched official material does not specify lounge access, UPI linkage, fuel surcharge waiver, railway surcharge waiver, activation fees or a fee-waiver threshold.
Card insights
What Users Are Saying
Community Feed
Feb 2026
“Rbl Bankbazaar savemax approved-Ltf”
by r/CreditCardsIndia, Feb 2026
“Is rbl savamax credit worth it ? Getting LTF”
by r/CreditCardsIndia, Jul 2025
“which one is better ?”
by r/CreditCardsIndia, Apr 2024
Alternatives
If you spend…
Recommendation
Food and groceries
HSBC Live+ Credit CardRBL grocery card
ShopRite Credit CardFlat cashback, free
RBL Bank PaisaBazaar Duet Credit CardFrequently Asked Questions
No fee ever, 10% on Zomato and 10% off BookMyShow (each up to ₹100 a month), 5X points on grocery up to 1,000 points a month, and 1 point per ₹100 elsewhere.
The catch: it is free, but so are its rewards
SaveMax, the RBL Bank card sold through BankBazaar, costs nothing to hold. That is the good part, and it is real. RBL's page lists no joining fee and no annual fee.
The catch is what you earn. The base rate is 1 Reward Point per ₹100, and users report a ₹99 + GST fee every time they redeem. The two perks people like, 10% on Zomato and 10% off BookMyShow, each stop at ₹100 a month. So SaveMax is worth holding as a free backup card. It is rarely worth making your main card.
This page is about the free SaveMax. The paid BankBazaar SaveMax Pro at ₹1,499 + GST is a different card.
What the ₹100 caps really allow
- Zomato: 10% cashback, capped at ₹100. Only your first ₹1,000 of orders each month earns it. At best that is ₹1,200 a year.
- BookMyShow: a 10% instant discount, also capped at ₹100 a month.
- Grocery: 5X points, up to 1,000 points a month. At 5 points per ₹100, you would reach that at ₹20,000 of grocery spend.
RBL does not publish the point value in our record, so we cannot turn the grocery and base points into a percentage for you. That is also why a fixed ₹99 + GST redemption fee matters: on a small balance it can take most of the value. Let points build and redeem once or twice a year.
What earns nothing on BankBazaar SaveMax
Since 15 October 2024, base points do not apply to fuel and auto, railways, utilities, insurance, wallets, government services, EMI, cash and quasi-cash, education, contracted services, miscellaneous, Bills2Pay and rent. That covers a large part of most people's monthly bills. Check how a merchant codes on Monzy's MCC finder before you count on points.
There is no lounge access, and the card is on Visa or Mastercard, so it cannot be linked to UPI.
Why holders keep it anyway
Users mention three reasons. It often arrives as a pre-approved lifetime-free offer. It gets regular credit limit increases, which helps keep your overall utilisation low. And it unlocks RBL Bank discounts on Zomato, Swiggy and e-commerce sales.
The main complaint, apart from thin rewards, is BankBazaar calls pushing an upgrade to Pro. You do not need to upgrade, and you should never share an OTP on an incoming sales call.
Hold SaveMax, but do not lean on it
Keep it if you got it free and want a no-cost backup with RBL sale access and extra limit. Spend on it only for your first ₹1,000 of Zomato each month and BookMyShow tickets. For real everyday cashback on food and groceries, users point to HSBC Live+, and RBL's own ShopRite has clearer grocery benefits.
Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva
