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RBL Bank Novio Credit Card VS RBL Bank QuickPay Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both are RBL Bank entry-level cards, but QuickPay is the cheaper and more explicitly beginner-focused of the two. RBL Bank Novio charges ₹500 + GST and earns 2 Reward Points per ₹100 online, 1 offline. RBL Bank QuickPay charges a much lower ₹99 + GST, with a simpler 1 Reward Point per ₹200 rate but a 20% cashback welcome offer on your first UPI transactions. For the lowest possible entry cost while starting your credit history, QuickPay's ₹99 fee is hard to beat; Novio only makes sense if its accelerated online reward rate outweighs the higher annual cost for you.

RBL Bank Novio Credit Card
RBL Bank Novio Credit Card
RBL Bank QuickPay Credit Card
RBL Bank QuickPay Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹99 + GST
Renewal Fee₹500 + GST
Renewal Fee₹99 + GST
Spend Based Waiver
Spend Based WaiverNot applicable.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%
Interest Rate (APR)3.99% per month (47.88% annually)
Interest Rate (APR)Up to 3.99% per Month (47.88% per Annum)

Rewards & Benefits

Welcome BonusReceive 2,000 Reward Points when you make purchases of ₹5,000 within 30 days of card issuance.
Welcome BonusEnjoy 20% cashback on your first two UPI transactions, capped at ₹50, within 15 days of card issuance.
Rewards RateEarn 2 Reward Points per ₹100 for all online spends; 1 Reward Point per ₹100 for offline spends.
Rewards RateEarn 1 Reward Point for every ₹200 spent on eligible transactions.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% or ₹10, whichever is higher
Fuel Surcharge Waiver1% waiver on fuel surcharge

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of Cash Amount (minimum ₹500)
Cash Advance Charges2.5% or ₹500, whichever is lower.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

RBL Bank Novio Credit Card

RBL Bank QuickPay Credit Card

Who is it for?

The RBL Bank Novio Credit Card is an affordable and budget-friendly option, particularly suitable for first-time credit card users. Operating on the RuPay Select network, it offers enhanced rewards for online transactions and provides convenient UPI payment support. It comes with a generous welcome bonus and valuable milestone rewards, making it an excellent choice for earning rewards on regular domestic transactions.

Who is it for?

The RBL Bank QuickPay Credit Card is an entry-level credit card from RBL Bank, ideal for beginners establishing credit history. It features an affordable ₹99 + GST fee and focuses on basic reward points, including a 20% cashback on initial UPI transactions. This card serves as a digital-first companion for online and UPI-based transactions, offering a simple stepping stone into credit without extensive lifestyle perks.

Pros

Key benefits and features.

The RBL Bank Novio Credit Card offers 2x rewards on all online spending.

Cardholders can earn valuable annual milestone benefits for bonus points.

It is a budget-friendly credit card option with a low annual fee.

The RBL Bank Novio Credit Card supports UPI payments for added convenience.

Pros

Key benefits and features.

The RBL Bank QuickPay Credit Card features a very low joining fee of just ₹99 + GST.

New users receive an attractive 20% cashback welcome offer on their initial UPI transactions.

It offers a straightforward rewards structure, earning 1 Reward Point for every ₹200 spent.

Cons

Key drawbacks and limitations.

The RBL Bank Novio Credit Card lacks additional lifestyle perks or discounts.

Limited international acceptance compared to major networks like Visa or MasterCard.

A rewards redemption fee of ₹99 + GST is applicable, reducing the net value of points.

Cons

Key drawbacks and limitations.

The RBL Bank QuickPay Credit Card lacks premium benefits like lounge access, dining, or travel perks.

Reward point accrual is excluded for many common categories such as fuel, utilities, and insurance.

The card has a relatively low reward rate, offering limited value on general spending.

Eligibility for the QuickPay Credit Card is restricted to existing RBL Bank cardholders.

A separate fee of ₹250 + GST is charged for the issuance of a physical card.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
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