RBL International Spend Offers Credit Cards in India 2026

5% benefit on international spends & weekend dining spends || 0.50% benefit on all other card spends
– You get 20 reward points (worth ₹5), on every ₹100 you spend abroad and on weekend dining spends. This benefit is given on total purchases upto ₹10,000 per month, in these categories.
– You get 2 reward points (worth ₹0.50), on every ₹100 you spend on all other card purchases.
– 1 reward point ≈ ₹0.25, on travel and shopping redemptions usually. Please note that on certain redemption options the value of 1 reward point could be as low as 11 paise. Please visit RBL’s reward redemption platform for the exact values on different options.
– Exceptions : You will not earn reward points on the following card spends – fuel, railways, utility bills, rental, wallet loads & insurance.

Milestone benefit, of upto 1.4%
– You get 10,000 reward points (worth ≈ ₹2500), at yearly card spend of ₹3 lakhs
– You get additional 15,000 reward points (worth ≈ ₹3750), at yearly card spend of ₹5 lakhs
– You get additional 20,000 reward points (worth ≈ ₹5000), at yearly card spend of ₹8 lakhs
Hence you get a total of 45000 reward points worth ₹11250, at yearly card spend of ₹8 lakhs – 1.4% benefit

Complimentary access to airport lounges in India – 2 per quarter

Complimentary access to airport lounges outside India
– You get a complimentary Priority Pass membership worth USD 99, which enables access to airport lounges abroad.
– However each lounge visit is chargeable – USD 32 per visit.

Complimentary golf benefits – 4 free golf rounds per year || 1 free golf lesson per month (through Mastercard)

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹400 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 2 times per month.

24/7 Concierge Desk
– Golf course referral and reservation assistance
– Car rental and limousine referral and reservation assistance
– Hotel referral and reservation assistance
– Dining referral and reservation assistance
– Spa, fitness centre, and sports centre Information and referral assistance
– Flower and gift delivery assistance
– Business services
– Special events and performance assistance

Fuel surcharge waiver, upto ₹200 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4000 only, and
– On fuel purchases upto ₹20,000 per month, since the waiver amount is restricted to ₹200 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹200 in all cases

Benefits
– 5% on international spends
– Range of lifestyle benefits such as airport lounge access, movie tickets, golf rounds, concierge services

Drawbacks
– Reward rate on card spending is comparatively low

0% fee on foreign transactions (forex markup charges)
– This is one of the very few cards offering this service

1.25% benefit on travel spends || 0.50% benefit on all other card spends
– You get 5 travel points (worth ₹1.25), on every ₹100 you spend on travel
– You get 2 travel points (worth ₹0.50), on every ₹100 you spend on all other card purchases
– 1 travel point ≈ ₹0.25, on travel and shopping redemptions usually. Please note that on certain redemption options the value of 1 reward point could be as low as 11 paise. Please visit RBL’s reward redemption platform for the exact values on different options.
– Note : no travel points are given on international card spends.

Additional milestone benefit, of upto 2.1%
– You get 10,000 travel points (worth ≈ ₹2500), at yearly card spend of ₹2.50 lakhs
– You get additional 15,000 travel points (worth ≈ ₹3750), at yearly card spend of ₹5 lakhs
– You get vouchers worth ₹10,000, at yearly card spend of ₹7.50 lakhs (vouchers are from a variety of premium brands, including Taj Experiences, Amazon, Croma, Myntra, and Makemytrip)
Hence at ₹7.5 lakhs annual card spend, you get 25000 travel points worth ₹6250, and vouchers worth ₹10,000 – meaning a total value of ₹16250 at ₹7.50 lakh annual card spend (2.1% benefit).

Complimentary access to airport lounges in India – 2 per quarter

Complimentary access to airport lounges abroad – 2 per year (through Priority Pass program)
– You can get 1 more free airport lounge visit, if minimum quarterly card spend is ₹50000

Complimentary golf benefits – 4 free golf rounds per year, 1 free golf lesson per month (through Mastercard)

Complimentary USD 50000 worldwide travel insurance, including medical/health insurance during foreign travel
– Medical insurance, including dental treatment
– Trip delay
– Baggage loss
– Loss of passport

24/7 Concierge Desk
– Golf course Referral and reservation assistance
– Hotel referral and reservation assistance
– Dining referral and reservation assistance
– Spa, fitness centre, and sports centre Information and referral assistance

Fuel surcharge waiver, upto ₹250 per month
– You get 1% fuel surcharge waiver on all fuel transactions between ₹500 and ₹4000 only, and
– On fuel purchases upto ₹25000 per month, since the waiver amount is restricted to ₹250 per month
– Some fuel pumps may charge more than 1% surcharge, the monthly waiver would still be capped at ₹250 in all cases

Benefits
– 0% fee on foreign card spends, one of the very few cards offering this
– Range of lifestyle benefits like complimentary access to airport lounges, free golf, overseas travel insurance, concierge service
– Decent reward rate on card spends, if you use the milestone benefits well

Drawbacks
– You need to track & meet annual card spend requirements as per the milestone program, to unlock decent reward rates on card spends

2.50% benefit on the following spends – grocery purchases || international purchases || dining || entertainment (5X)
– You get 10 reward points worth ₹2.50, on every ₹100 you spend in these categories
– 1 reward point ≈ ₹0.25, on travel and shopping redemptions usually. Please note that on certain redemption options, the value of 1 reward point could be as low as 11 paise. Please visit RBL’s reward redemption platform for the exact values on different options.

0.50% benefit on all other card spends (X)
– You get 2 reward points worth ₹0.50, on every ₹100 you spend on all other card purchases
– 1 reward point ≈ ₹0.25, on travel and shopping redemptions usually.
– No reward points are given on fuel transactions, utility bill payments, wallet loads and insurance spends.

Milestone benefit, upto 1.50%
– You get 10,000 reward points worth ₹2500, at yearly card spend of ₹2 lakhs
– You get additional 10,000 reward points worth ₹2500, at yearly card spend of ₹3.50 lakhs
– You get additional 10,000 reward points worth ₹2500, at yearly card spend of ₹5 lakhs
– 1 reward point ≈ ₹0.25, on travel and shopping redemptions usually.
– Hence you can get 30000 reward points worth ₹7500, at yearly card spend of ₹5 lakhs – 1.50% benefit.

Complimentary access to airport lounges in India – 2 per quarter

BOGO (Buy One Get One Free) at BookMyShow movies, benefits upto ₹200 per month
– Buy one ticket and get up to ₹200 off on the second ticket, through BookMyShow.
– This offer can be availed maximum 1 time per month.

Benefits
– Complimentary domestic airport lounge access, and movie benefits

Drawbacks
– Reward rate on card spending is comparatively low, given the annual fee charged
– No renewal fee offer