TVS Credit RBL Bank Credit Card

₹590 a year, whatever the caller told you

The TVS Credit RBL Bank Credit Card costs ₹500 + GST to join and the same every year, so about ₹590 in your pocket. That is the number to hold on to, because the most common complaint about RBL cards on Reddit is a phone agent promising a lifetime-free card and a ₹500 fee showing up on the first statement. RBL's own page shows the fee, and we found no spend-based waiver in our check.

If ₹590 a year is fine for a basic card that can run on UPI, read on. If you were sold this as free, ask RBL to confirm that in writing before you activate it.

Looking for the TVS Credit Insta Card or TVS Credit EMI card? Those are TVS Credit's own EMI financing products, not this RBL credit card. People search for all three, and they are easy to confuse.

Pick RuPay if UPI is the reason

The card is issued on Mastercard or RuPay, and only the RuPay version works on UPI. Users who like this card mostly like it for that: an entry-level RuPay card they can scan at local shops. Choose RuPay explicitly on the application if the form offers it, then check the network printed on the card before you link it to a UPI app. Mastercard is the better pick only if you want wider acceptance abroad.

What the points add up to on TVS Credit RBL Bank

Rewards run on a ₹100 spend unit:

• Online spends: 2 points per ₹100, up to 1,000 points a month. You hit that cap at ₹50,000 of online spend.
• In-store spends: 1 point per ₹100.
• 2,000 welcome points and a 2,000-point annual milestone, with conditions set in RBL's terms.

A month with ₹8,000 online and ₹6,000 in-store earns 160 plus 60, so 220 points. Over a year that is about 2,640 points, plus the milestone if you reach it. RBL's page does not state what a point is worth in rupees, so we will not turn that into a percentage. Treat the points as a small extra, not a reason to apply. Users also report RBL's merchant-category exclusions blocking rewards on some spends.

The other two perks

You get 1 executive lounge visit a quarter at railway stations, not airports. There is also a buy-one-get-one ticket offer on BookMyShow. If you take the train often or watch films regularly, these are where the card adds real value; RBL's page in our record does not state the BookMyShow cap or frequency, so check it.

Reaching TVS Credit RBL card customer care

This is a lot of what people search for. The card is issued and serviced by RBL Bank, so card queries, disputes and closure go to RBL's credit card customer care, through the number on the back of your card or the RBL app, not to TVS Credit. Raise fee disputes in writing in the same billing cycle, and escalate to RBL's grievance officer if they are not fixed.

Is the TVS Credit RBL card worth ₹500?

Yes, if you want a cheap RuPay credit card for UPI, use the railway lounge or BookMyShow offer, and go in knowing the fee is real. No, if you want cashback that is easy to count; SBI Cashback is what users prefer for that. RBL's other entry card, ShopRite, is the comparison users make within RBL, and they lean towards this card when UPI matters.

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