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TVS Credit RBL Bank Credit Card VS TVS Credit RBL Bank Gold 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: 18 July 2026
TVS Credit RBL Bank Credit Card
TVS Credit RBL Bank Credit Card
TVS Credit RBL Bank Gold Credit Card
TVS Credit RBL Bank Gold Credit Card

Fees & Charges

Joining Fee₹500 + GST
Joining Fee₹1,500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,500 + GST
Spend Based WaiverNot applicable for annual fee waiver.
Spend Based WaiverNot applicable for annual fee waiver.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%
Interest Rate (APR)3.99% per month or 47.88% per annum
Interest Rate (APR)3.99% per month or 47.88% per annum.

Rewards & Benefits

Welcome BonusEarn 2,000 Bonus Reward Points upon making the first transaction within 30 days of card activation.
Welcome BonusReceive 6,000 bonus Reward Points on your first transaction within 30 days from card issuance.
Rewards RateEarn 2 Reward Points for every ₹100 spent online (up to 1,000 monthly) and 1 RP for every ₹100 offline.
Rewards RateEarn 10 Reward Points for every ₹100 spent on international purchases and 2 RP on everyday transactions.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge AccessOne free Executive Railway lounge access per calendar quarter with valid train ticket.
Domestic Lounge Access1 complimentary visit per quarter on ₹50k spend, or 2 visits on ₹75k spend quarterly.
International Lounge Access
International Lounge Access1 complimentary visit per quarter via Priority Pass on ₹1 Lakh spend quarterly.
Travel BenefitsOne free Executive Railway lounge access per calendar quarter with valid train ticket.
Travel Benefits
Movie BenefitsBuy-one-get-one-free offer up to ₹200 on movie tickets via BookMyShow on monthly spend of ₹10,000.
Movie Benefits
Dining Benefits
Dining BenefitsEnjoy 5% cashback on EazyDiner transactions, capped at ₹250 per month.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver up to ₹100 per month on transactions between ₹400 to ₹5,000.
Fuel Surcharge Waiver1% waiver up to ₹200 per month on fuel expenses between ₹400 and ₹5,000.

Security & Other

Insurance Benefits
Insurance Benefits
Cash Advance Charges2.5% of the cash amount or a minimum of ₹500.
Cash Advance Charges2.5% of cash amount or minimum ₹500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

TVS Credit RBL Bank Credit Card

TVS Credit RBL Bank Gold Credit Card

Who is it for?

The TVS Credit RBL Bank Credit Card is an affordable co-branded offering designed for shopping enthusiasts. It provides accelerated reward points on online purchases, a Buy 1 Get 1 movie ticket offer, and complimentary Executive Railway Lounge access. With NCMC features and UPI linkage, it offers modern convenience for daily transactions. This card is a versatile and rewarding choice for individuals seeking substantial features at an inexpensive price point.

Who is it for?

The TVS Credit RBL Bank Gold Credit Card is a co-branded offering from RBL Bank and TVS Credit, positioned as a mid-range to premium credit card designed for individuals who enjoy shopping and traveling. It offers a compelling suite of benefits including a generous welcome bonus, accelerated reward points on international purchases, cashback on dining, and complimentary access to both domestic and international airport lounges. This card also integrates modern payment features like UPI linking and NCMC functionality, making it a versatile option for everyday use and global adventures. It is a strong option for individuals who prioritize shopping and dining benefits, delivering substantial value through its comprehensive perks and rewards.

Pros

Key benefits and features.

Affordable joining and annual fees make the TVS Credit RBL Bank Credit Card accessible.

Accelerated reward points on online shopping, ideal for digital spenders.

Enjoy Buy 1 Get 1 movie tickets via BookMyShow, enhancing entertainment value.

Complimentary Executive Railway lounge access adds comfort to train journeys.

NCMC and UPI linkage provide modern, convenient payment options for daily use.

Pros

Key benefits and features.

Receive 6,000 Reward Points as a welcome benefit on your first transaction within 30 days of card issuance.

Enjoy 5% cashback on EazyDiner transactions, capped at ₹250 monthly, enhancing your dining savings.

Benefit from complimentary domestic and international airport lounge access, subject to quarterly spending.

Utilize NCMC features and convenient UPI linking via the RuPay network for seamless payments.

Earn accelerated 10 Reward Points for every ₹100 spent on international purchases, maximizing global savings.

Cons

Key drawbacks and limitations.

Lacks international lounge access and comprehensive insurance benefits.

No annual fee waiver based on spending, making the fee unavoidable.

Reward points are not earned on several common categories like utilities and fuel.

High foreign currency markup of 3.5% makes international spends expensive.

The card does not offer any specific dining deals or discounts.

Cons

Key drawbacks and limitations.

The card offers no specific travel rewards beyond lounge access or comprehensive insurance benefits.

High spending thresholds are required quarterly to unlock complimentary domestic and international lounge access.

Reward Points and milestone benefits are excluded for spends in categories like fuel, utilities, and insurance.

Offline UPI transactions under ₹2,000 at small merchants on the RuPay network do not qualify for rewards.

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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