RBL Bank Monthly Treats Credit Card – Full Review Introduction At a time when credit cards have become so much more than a spending tool, the right one can unlock perks galore — whether that’s cashback, exclusive discounts or loyalty rewards. Amidst that plethora of choices, the list of RBL Credit Card is not only a lifestyle-friendly and e-commerce savyy bargain, the value that it brings to the table is simply overwhelming. Whether you are a regular online shopper, an avid cinema goer on weekends or a shopper seeking to save more on your day to day expenses, the card is constructed to reward such monthly spend. This comprehensive review will discuss the card in detail covering rewards to cash back to fees and who it’s good for. Key Benefits and Features The RBL Monthly Treats Credit Card is designed for today's customers who desire real benefits on their everyday spends. Fuelled by a reward system that incentivises online shopping and cashback partnerships with well-known brands, it’s structured around a monthly usage pattern. Key Features at a Glance: Reward points on every transaction Now Earn 10% cashback on Zomato, Myntra, Uber & BookMyShow etc.3700+ on online shopping site.flipkart.com.pojo. Grocery cashback offers Milestone rewards (₹6,000 in vouchers on annual spends of ₹1 lakh and ₹2 lakh) Fuel surcharge waiver Monthly fee waived on ₹5,000 spend Rather, it’s a credit card meant for digital-cosmopolitan spenders who want a bit of entertainment, and a bit of savings on the daily. Reward Structure Explained The RBL Monthly Treats Credit Card operates on a basic dual rewards mechanism: 5 reward points for every ₹100 spent on online transactions, such as ecom sites, food delivery, travel. 1 reward point for every ₹100 spent on offline spends such as grocery stores, pharmacies and retail stores. Excluded transactions: You don’t earn points on fuel, utility payments, wallet recharges, insurance, Emis, rent, railways or government charges. Reward points can be exchanged for gift vouchers, merchandise, and service redemption on the RBL MyCard Rewards Portal. But the redemptions are chargeable at a low rate of ₹99 + GST. Cashback on Popular Brands And that’s where the card excels — enabling actual cashback on some of the most used platforms in India. 10% Cashback in the Following Brands: Brand Category Monthly Cap (per brand) Zomato Food Delivery ₹300 Myntra Fashion ₹300 Uber Commute ₹300 BookMyShow Entertainment ₹300 Maximum combined cashback that can be received from these partners: ₹900 per month. Additional Offer: 10% cashback on groceries on monthly purchase of ₹3,000. Capped at ₹100 per month. This cashback is issued as a statement crerdit in your next billing statement and it doesn’t count against your reward point total. Fuel Surcharge Waiver Github Rewards apply except for fuel spends, and it also offers a 1% surcharge waiver on a spend of ₹500 to ₹4,000. Monthly waiver cap: ₹100–₹150 Valid on All Fuel stations at India So I can see it on the next statement. Small this may be, but this feature can help regular drivers, or those with two-wheelers, save a little every month. Milestone-Based Vouchers Unlike some no-frills credit cards, the Monthly Treats card offers milestone-based annual rewards to heavy users. Milestone Spending Rewards: Annual Spend Reward Voucher Value Brands Included ₹2,00,000 ₹1,000 Amazon, Flipkart, Myntra, Croma, Shoppers Stop ₹5,00,000 ₹5,000 (additional) Same as above They are sent as voucher through SMS or Email within 45 days of Milestone completion. You are allowed to choice from few partners at redemption. Fee Structure & Charges The card's biggest feature is it's monthly billing, not a straight-up annual fee. Monthly Charges: Component Fee Monthly Fee ₹75–₹100 + GST Fee Waiver Threshold ₹5,000 (per month) Reward Redemption Fee ₹99 + GST per request Cash Advance Fee 2.5% (min ₹500) Interest Charges 3.99% per mo. (47.88% APR) Late Payment Fee ₹50–₹1,300 Foreign Markup 3.5% Overlimit Charges ₹600 You have to spend only a minimum of ₹5,000 to avoid charges. This is what makes it a good value card to use when done regularly and intelligently. Eligibility & Documentation You will need to meet the following eligibility requirements to apply for the RBL Monthly Treats Credit Card: Eligibility Criteria: Age: 18–70 years Residency: Indian residents and NRIs Credit Score: 700+ (recommended) Income (this is typically kept internal and not shared publicly by a bank) Required Documents: Identity Proof: Aadhaar/PAN/Passport/Voter ID Address Proof: Utility bill/ rent agreement/ Aadhaar/ passport etc. Proof of Income: Latest Salary Slip / Latest Bank Statement / Copy of Form 16 or Last ITR offline copy. The application process is 100% paperless and conducted online, in which e-KYC and video verification are possible. Alternative/Compare With Do You Think It Is Better Than Other Options? How the Monthly Treats Credit Card compares to other entry-level lifestyle credit cards Feature RBL Monthly Treats SBI SimplyCLICK Axis Neo Online Rewards 5x 10x on Amazon 5% off partner brands Cashback on Zomato Yes No Yes (limited offers) Grocery Cashback Yes No No Monthly Fee Model Yes No (Annual) No (Annual) Fuel Waiver Yes Yes Yes Verdict: Ideal for city dwellers who spend frequently on food, fashion and films. It does not come with travel perks, access to airport lounges, or forex benefits — not good for jetsetters. Who Will Benefit Most from This Card? The RBL Monthly Treats Credit Card is best for: Young forward looking professionals in Tier 1/2 towns.. Shop new, order Zomato, Uber, Myntra. People looking for value who spend consistently but don’t want an annual fee New or rebuilding cardholders with limited credit history Avoid this card if: You mostly spend on utilities, EMIs, insurance You crave travel points or foreign benefits You're not sure(ed) about committing to ₹5,000/month regularly Final Verdict The RBL Bank Monthly Treats Credit Card is an excellent option for new-age urban users that indulge in routine online shopping, food ordering, Uber rides and the occasional movie matinee. From its brand-based cashback to the monthly waiver structure and milestone vouchers, it is a robust lifestyle card for the low to moderate spender. In case you can easily spend ₹5,000 per month, for most practical purposes, you will have a zero cost card that also gives you > ₹10,000 per year savings automatically (cashback/vouchers). Final Call: A decent beginner lifestyle card with high brand value returns. Not for premium travelers or occasional users.