Nova Credit Card
Fees
₹12,500 + Taxes
Joining & annual
Reward Rate
12 points per ₹200 (6% value-back) on flights/hotels via the Nova booking portal; 4 points per ₹200 on other spends
Welcome Bonus
Taj/Luxe gift vouchers worth ₹12,500 on joining, fully offsetting the fee
Lounge
12 Domestic + 12 International/yr + 4 Guest Visits/yr
Our Expert Take
The Nova Credit Card from RBL Bank offers Entry-Level Rewards & Everyday Purchases with an annual fee of ₹500 + Taxes.
Where this card earns most
Paying directly in the app or site · 2% on other spends
Pros & Cons
Key Advantages
- 12 domestic + 12 international lounge visits per year, plus 4 guest visits
- Taj/Luxe gift vouchers worth ₹12,500 on joining, fully offsetting the fee
- 6% value-back on flights & hotels via the dedicated Nova booking portal
- Fee waiver threshold (Annual fee waived on ₹50,000 annual retail spends)
Limitations
- ₹12,500 annual fee, high relative to most travel cards
- Invite-only; not available for direct public application
- Top travel rate only applies via the Nova-specific booking portal
Key Perks & Spending Milestones
Accelerated reward earn rate on rewards 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 ₹50,000 annual retail spends
Fees & Charges
Joining fee
₹12,500 + Taxes
Annual fee
₹12,500 + Taxes
Annual fee waived on ₹50,000 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
Invitation-only metal card for RBL Bank premium relationship clients
Credit score & income
Invite-Only, premium RBL Bank relationship criteria
Frequently Asked Questions
What's the reward rate on RBL Nova?
How many lounge visits does Nova offer?
Compare Nova Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Nova Credit Card This Card | ₹12,500 + Taxes | 12 points per ₹200 (6% value-back) on flights/hotels via the Nova... | 12 Domestic + 12 International/yr + 4 Guest Visits/yr | 4.1/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |