RBL Bank ETMONEY LoanPass Credit Card Review

RBL Bank has introduced a new credit card, named RBL Bank ETMONEY LoanPass Credit Card. it provides duel facilities to their customers. It works both as a regular credit card and a personal loan. It also offers several benefits like Welcome benefit, Reward Program, Annual fee waiver, dining benefit, instant loan facility, and lots more. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • This card is only available for salaried persons. 
    • Age: 23 to 60 yrs. 
    • Income: ₹25,000 per month. (Min)
  • Good CIBIL score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      •  Salary Slip of the last 3 months 
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business


  • Joining Fee: None. 
  • Annual Fee: ₹499 + GST (can be waived off if ₹1,00,000 is spent within a year)


  • Cash-Back:

With this card, you can earn up to 20% Cash-Back on your online spending. This offer is applicable only at Grofers, Amazon, Uber, Zomato. You can earn a maximum of ₹250 Cash-Back monthly. 

  • Reward benefit:

You can earn reward points for all your purchases. This card offers 2X reward points on your every spends made on weekends. You will also get 1 point for each ₹100 transactions on other days.  

  • Milestone reward:

RBL Bank ETMONEY LoanPass credit card offers you to earn some bonus reward points too. If you can spend ₹1,00,000 you will get 1000 reward points, you can avail of this offer 10 times a year.  

  • Online food order:

If you order Pizza online you will get a 10% Cash-Back on your bills. This offer is applicable on Wednesdays and online bookings made at Pizza Hut and Dominos.

You can get up to a 5% discount on your groceries and food bills on Wednesdays. You can earn a maximum of 1000 reward points.  

  • Fuel surcharge waiver:

With your RBL Bank ETMONEY LoanPass card, you will get ₹100 waivers on fuel surcharges monthly. The applicable transaction amount is ₹500 min, and ₹4000 max. this offer is applicable at most of the fuel stations in India. 

  • Annual fee waiver:

You can get a 100% waiver on your annual fees, just spent ₹1,00,000 within a year and the next year’s annual fee is waived off. That means you can make your card free for a lifetime. 

  • Instant money transfer:

With your RBL ETMONEY LoanPass Credit card, you have the power to transfer money from your card to your registered bank account. The maximum amount you can transfer is your total credit limit. 

You will have to pay interest only for the amount you have transferred, and you can pay the amount back in easy installments.  

  • Entertainment:

With this card, you will get 1 movie ticket completely free with the purchase of another. This offer is applicable on Wednesdays and the tickets booked through BookMyShow, maximum ticket value of ₹200. 

  • Online Control:

With the help of the ETMONEY app, you can control your account more conveniently. This app enables you to transfer money, view your pending bills, track all the spending made with this card, and lots more. 

  • EMV Chip Security:

RBL Bank ETMONEY LoanPass credit card comes with the advanced EMV chip. This chip is designed to make your transaction more safe and secure. 

  • Worldwide acceptance:

This card is accepted anywhere in the world. You can use this card to make payments at most foreign and domestic outlets. This card can also be used to make payments at any foreign e-commerce site, but in the case of international transactions, you have to pay a currency conversion charge. 


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount. 
  • Finance Charge: 3.99% monthly. 
  • Foreign currency transaction: 3.50% against the transaction amount. 

Contact Details:


  • 1800-121-9050
  • +91-22-6232-7777
  • +91-22-7119-0900 (Super Card)


Dispute Resolution Process:

If you notice any unauthorized charges in your account or if your card is lost or stolen, you can follow these steps given below:

  1. If your card is lost or if any fraud happens, you can call the RBL customer service and ask them to block your card and follow their instructions. 
  2. If you are not satisfied with the given service you can take your complaint to the head of customer care. You can mail him/her on: [email protected] or you can call at + 91 22 4918 6000. 

If you are still not satisfied you can mail the nodal officer at [email protected]

100xGain Ratings:


Final Opinion:

RBL Bank ETMONEY LoanPass Credit card is a co-branded credit card from RBL bank of India. This card is specially designed to give the customers privilege of both a personal loan and a regular credit card. This card also offers some exclusive benefits like Cash-Back benefits, Reward benefits, Milestone rewards, benefits on online food orders, and lots more. So if you are eligible you should go for this card as it can earn you big savings annually and provides you with some financial support in an emergency.

But this card does not feature benefits on lounge access or golf benefits. So if you want to have free lounge access then you can go for IDFC Bank Wealth Credit Card, it also offers some free golf games at some selected Indian golf courses. 

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