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RBL Bank

RBL Zomato Edition Credit Card

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Annual Fee

₹500

Reward Type

Cashback

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹1,00,000)
Min Monthly Income₹20,000

Rewards

Reward TypeCashback
Base Rate2%
Point Value₹1/point

Category Multipliers

zomato10%(cap ₹100)dining5%

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

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💡 Fee Waiver Strategy

Spend ₹1L/year to waive the annual renewal fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 2%, you need to spend ₹25,000 annually.

🎯 Pro Tips

  • ▸10% cashback on Zomato orders (capped ₹100/month) — saves ₹1,200/year on Zomato.
  • ▸Complimentary Zomato Gold membership with active card.
  • ▸5% back at partner restaurants (dine-in via Zomato).
  • ▸Low ₹500 annual fee — fee waived at ₹1L annual spend.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹32,500

Effective Rate

2.7%

Ranked #12 of 173 cards⭐ Top 30

₹500 annual fee deducted from gross rewards value.

📊 Spending Scenarios - Real-World Returns

₹30k/mo Zomato regular

Monthly: ₹30,000 · Annual: ₹3,60,000

1.3%
Effective Return
zomato: ₹4,000/modining: ₹6,000/moonline: ₹10,000/mogrocery: ₹5,000/moutilities: ₹5,000/mo
Annual Rewards Value₹4,680
After Fee (₹500)+₹4,180

10% on Zomato, 5% on dining out, 2% on rest. After ₹500 fee.

🏷️ Best For

diningco-brandedcashback