RBL MoneyTap Credit Card: Fees, Rewards & Benefits
Rewards card
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The RBL MoneyTap is a low-cost lifestyle card whose monthly Zomato cashback and BOGO movie tickets can easily offset the Rs. 499 fee, backed by a built-in credit-line. Earning is thin at about 0.5% and there is no lounge access, so it is best treated as a perks-and-credit card rather than a rewards engine.
Rewards card
The Bottom Line
The RBL MoneyTap is built for food and movie regular and credit-line user. With a ₹499 annual fee that is waived on ₹2,00,000 yearly spend, it offers 2,000 bonus points and zomato cashback. It makes the most sense if your spending matches food and movie regular and credit-line user.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Food and movie regular, Credit-line user. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone who orders on Zomato and watches weekend movies, who recovers most of the Rs. 499 fee through the Rs. 200/month Zomato cashback and BOGO movie tickets alone.
A user who wants a combined card and MoneyTap flexible credit-line in one product at a low, easily-waived fee.
Probably not for
SkipWith a 0.5% base earn and no accelerated categories, anyone focused on point earning will do better elsewhere.
No lounge access and a 3.5% forex markup make this unsuitable for travel or foreign spending.
Is It Worth It For You?
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Reward Rates
RBL MoneyTap offers 0.5% basic reward rate.
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Welcome Offer
2,000 Reward Points as a one-time welcome benefit, credited after payment of the annual fee and on making the first transaction within 30 days of card issuance (credited within 60 days).
Milestone Benefits
INR 1,000 Amazon voucher on crossing spends of INR 2.5 lakhs in the year.
Next year's annual fee waived on spends of INR 2 lakhs in a year.
Fees & Charges
Eligibility
- Min Income: ₹3.6 Lakhs
- Min Credit Score: 750
- Age 21-65; salaried or self-employed; min monthly income ~Rs 30,000 (Rs 3.6L p.a.); line-of-credit linked card with good credit score required.
Exclusions & Terms
Forex markup
- Foreign currency markup
MoneyTap Credit-line / Loan Spends
- Credit-line / loan spends drawn via the MoneyTap app do not earn reward points.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹499 annual fee. Apply on the RBL Bank website.
Apply on RBL Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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