TVS Credit RBL Bank Credit Card: Benefits & Apply

Table of Contents

Summary

Modern consumers who value travel incentives, entertainment, and prizes should find the TVS Credit RBL Bank Credit Card fulfilling their needs. First of all, the card appeals to new users since it provides a welcome bonus of 2,000 reward points following the first transaction. Furthermore is clear that consistent spending benefits a point-based system whereby cardholders gain 1 point for ₹100 on retail transactions and 2 points for ₹100 on internet purchases.

Those who meet their annual spending objective of ₹1.5 lakh also have more value since they accrue an extra 2,000 reward points. Perfect for movie buffs, the card lets users enjoy “Buy 1 Get 1 Free” movie tickets every month after spending ₹10,000, thanks to a noteworthy BookMyShow offer for amusement.

Moreover, once per quarter, the card gives free access to railway lounges for train passengers, therefore improving trip comfort. Additionally, providing a fuel fee waiver of up to ₹100 per month helps to lower the total cost of gasoline purchases, falling between ₹400 and ₹5,000.

Introduction

In the hectic modern environment, having a credit card is not only a choice but also typically a necessity. It helps us to acquire other advantages, raise our credit score, and manage our expenses. Still, choosing the right credit card is really important, as every card has special benefits and characteristics. One such rather reasonably priced credit card is the TVS Credit Card. Particularly meant for salaried individuals, first-time users, and those looking for low-cost but strong credit benefit, this card is free from paying e xpensive fe, es is this card.

First of all, two respectable organizations in the Indian financial scene—TVS Credit Services and RBL Bank—have a joint venture creating this gold credit card. Although TVS Credit is well-known for providing simple loans to millions of consumers, RBL Bank is among the private sector banks with the quickest expansion in India. Taken together, they present a credit card with good savings and benefits on daily spending as well as simple usability.

Moreover, this card is ideal for those who have recently started using credit cards. It is reasonably priced because of its cheap annual fee and zero joining costs. Simultaneously, it offers fantastic benefits such as loyalty points on supermarket shopping, gasoline, and internet transactions, as well as cashback and savings. You thus save money with every purchase. Easy EMI alternatives, SMS alerts, and user-friendly mobile app assistance also help you to wisely control your costs.

Furthermore, noteworthy are the rigorous security measures included in the TVS Credit RBL Credit Card. It offers fraud protection tools and incorporates chip-based technology for safer transactions. Therefore, knowing your money is protected helps you to relax, whether you use the card at a petrol pump, supermarket, or internet retailer.

What is the TVS Credit RBL Bank Credit Card?

Designed for those looking for a quick and reasonably priced approach to handle daily expenditure, the TVS RBL Bank Credit Card is basic and practical. Launched by TVS Credit Services in association with RBL Bank, it is especially intended for first-time credit card users or those with a limited credit background. This one is simple on the pocket, unlike many upscale cards, as it has a cheap yearly charge and no joining costs.

Furthermore, this card provides a few simple but useful tools, including cashback on daily purchases, including groceries, gasoline, and online shopping, reward points, and a fuel surcharge waiver. It also provides EMI choices to translate large purchases into simple monthly payments. It therefore enables you to save money simultaneously and spend wisely.

How is the design of the TVS Credit RBL Bank Credit Card?

The TVS Bank Credit Card has a straightforward, attractive, clever design. It initially seems professional and neat, which qualifies for working professionals as well as younger consumers. Usually golden, the card not only appears elegant but also reflects the “Gold” range it falls under.

Moreover, clearly shown stylishly, the front side of the card shows all the important information: name, card number, expiration date, and RBL Bank logo. Visible also is the TVS Credit symbol, which emphasizes the two respectable companies’ relationship. Without making it unduly flashy, the golden background lends a luxury image.

What are the benefits of the TVS Credit RBL Bank Credit Card?

The salient characteristics of it are briefly listed here:

Welcome Advantage

After paying the annual membership fee, earned upon making your first transaction within 30 days after card issue are 2,000 bonus reward points.

Reward points

Every ₹100 spent online counts two reward points (limited to 1,000 points per month).

Spend ₹100 on in-store purchases to get one Reward Point.

Spend ₹1.5 lakh annually to earn 2,000 additional Reward Points.

Certain categories—fuel, utilities, insurance, education—are not eligible to accrue reward points.

Sources of Entertainment

Enjoy a “Buy 1 Get 1 Free” movie ticket deal (up to ₹200 discount) on BookMyShow upon spending ₹10,000 or more in a month.

Travel Treatments

Get one free Executive Railway lounge visit per calendar quarter.

Surcharge Waiver for Fuel

Get a fuel fee waiver for up to ₹100 every month on purchases between ₹400 and ₹5,000.

What are the fees for the TVS Credit RBL Bank Credit Card?

Here is a simple breakdown of the TVS Credit RBL Credit Card fees.

Joining Fee	₹499 + GST
Annual Fee	₹499 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a TVS Credit RBL Bank Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have proof of a valid address.

What documents are required to get a TVS Credit RBL Bank Credit Card?

The documents that you will have to submit to get the TVS Credit RBL Bank Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the TVS Credit RBL Bank Credit Card be used?

Here is the list of places where you can use it:

With the TVS Credit RBL Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your TVS Credit RBL Bank Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The TVS Credit RBL Bank Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the TVS Credit RBL Bank Credit Card?

The credit amount you can spend is what you are provided to you with a TVS Credit RBL Bank Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for a TVS Credit RBL Bank Credit Card?

Apply it through both these modes:

Online Application Process:

Visit the official website of the RBL First Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by RBL First Bank; for instance, you can choose the TVS Credit RBL Bank Credit Card.

Just hover your cursor on the TVS Credit RBL Bank Credit Card and select ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest RBL First Bank branch to apply for the TVS Credit RBL Bank Credit Card.

Request the credit card application form for the TVS Credit RBL Bank Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the TVS Credit RBL Bank Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions in the envelope through the RBL First Bank Card website, mobile app, or customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting a TVS Credit RBL Bank Credit Card in 2025 be right?

Obtaining a TVS Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility.

RBL First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

The TVS RBL Bank Credit Card is basically a straightforward and practical answer for everyone who wishes to use a credit card without thinking about complicated criteria or costly restrictions. Those who wish for a basic card with good perks or first-time users will find it useful. Including welcome bonus points, reward points on every transaction, dining cashback, and milestone coupons on this card helps you to save money even while you spend.

It also lets room for EMIs, gasoline tax remission, and lounge access to translate big purchases. These features help you to value your daily life more and turn your payment tool into a full financial friend. Along with the card, which provides better expenditure control, great security elements, including chip protection and a user-friendly mobile app, also accompany it.

Moreover, the cooperation between TVS Credit and RBL Bank assures the combined confidence and experience of two respectable financial businesses. This helps you to calm yourself and enhances customer service should issues develop.