CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
RBL Bank

RBL MoneyTap Black Credit Card

21
Ranked #164 of 170 in credit
creditVisa/MastercardEntry-Fintech

RBL's fintech co-branded card with MoneyTap, offering modest weekend-accelerated rewards and EMI conversion flexibility — a basic entry option with limited standout features.

Score breakdown

Data completeness: 70% · Last verified: 09 Jul 2026

Reward value4/100 · weight 71%
≈ 0.17% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency96/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks5/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹499 + 18% GST
= ₹589 total
Annual fee
₹499 + 18% GST
= ₹589 / year total
Waiver: Waived on annual spend of Rs2,00,000+
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
online_spendspoints0.50%(2 pts @ ₹0.25)—2 Reward Points per Rs 100 spent strictly online
all_spendspoints0.06%(0.25 pts @ ₹0.25)—1 pt/Rs100 base rate weekdays; 2 pts/Rs100 weekends

Welcome offer

Not prominently detailed as a distinct figure

Milestone benefits

Pros

  • EMI conversion facility for spends Rs3,000+
  • weekend spend bonus (2X points)
  • MoneyTap fintech app integration for credit line management

Cons

  • Modest reward rates
  • no lounge or major lifestyle benefits
  • weekend-only acceleration limits practical value for weekday spenders

What's inside

More benefits

  • EMI conversion facility

    Convert spends of Rs3,000+ into EMI via MoneyTap app integration

    unlimited. Min Rs3,000 transaction

Insurance cover

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₹NaN

Eligibility

text
Age 21-65; income ~Rs3L+ p.a. indicative

Small print

Fuel surcharge:1% waiver, capped Rs100/month