Aspire Banking Credit Card
Fees
₹1,500 + Taxes
Joining & annual
Reward Rate
1% cashback on eligible spends (capped at ₹1,000/cycle); unlimited 3% cashback via the RBL Rewards Portal
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge
1 Domestic/Qtr (₹35K Monthly Spend)
Our Expert Take
The Aspire Banking Credit Card from RBL Bank offers RBL Aspire Banking Relationship Customers with an annual fee of ₹1,500 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
1% cashback on retail spends
Max ₹1,000 per billing cycle
Reached after about ₹1,00,000 of spend
-
3% on the RBL Rewards portal
No limit
Pros & Cons
Key Advantages
- Unlimited 3% cashback when shopping via the RBL Rewards Portal
- Extra cashback up to ₹4,500 on ₹5 Lakh+ annual spends
- 1 domestic lounge visit/quarter on ₹35,000 monthly spend
- Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)
Limitations
- Requires an RBL Aspire Banking relationship (₹5 Lakh Total Relationship Value or ₹1 Lakh average balance)
- Base cashback is capped at ₹1,000 per billing cycle
- Lounge access requires ₹35,000 spend in the current month
Key Perks & Spending Milestones
Accelerated reward earn rate on premium purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
Spend milestone
Annual fee waived on ₹2.5 Lakh annual retail spends
Fees & Charges
Joining fee
₹1,500 + Taxes
Annual fee
₹1,500 + Taxes
Annual fee waived on ₹2.5 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹1,300
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
age
21 to 65 years
employment profiles
Requires an RBL Aspire Banking relationship: ₹5 Lakh Total Relationship Value across Savings/FDs, or ₹1 Lakh average monthly balance
Credit score & income
Good (730+)
Frequently Asked Questions
What's the cashback structure on RBL Aspire Banking Credit Card?
How does lounge access work on this card?
Is this card tied to an RBL Aspire Banking relationship account?
Compare Aspire Banking Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Aspire Banking Credit Card This Card | ₹1,500 + Taxes | 1% cashback on eligible spends (capped at ₹1,000/cycle); unlimited... | 1 Domestic/Qtr (₹35K Monthly Spend) | 4.4/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |