RBL Bank Monthly Treats Credit Card Review

RBL Bank Monthly Treats credit Card is a MasterCard credit card from RBL Bank of India this card is the most featured credit card offered from RBL. With this card, you can earn big and huge cash-back and reward from all your transactions. The awesome benefits of the card include – Monthly cash-back offer, Monthly fee waiver, Extra rewards on online spending, Fuel surcharge waiver, Milestone reward, Add-on facility, Worldwide acceptance, and lots more. This card is one of the most feature-rich cards from the RBL Bank of India.

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above ₹25,000 monthly. 
  • 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)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹50 + GST (One time)
  • Annual Fee: ₹50 + GST (Monthly)


  • Monthly Benefit:

This card offers big monthly Cash-Backs, you can get up to a 10% discount on BookMyShow, Swiggy, and spends made on the grocery.   

  • Reward benefit:

With this card, you can get 1 reward point for each ₹100 transactions made with this card. you can also get 2X reward points for the same on online transactions. 

  • Fuel surcharge waiver:

This card offers a ₹100 waiver on fuel surcharges. This offer is applicable at any fuel station in India. The transaction amount should be between ₹500 to ₹4,000. 

  • Milestone benefit:

If you can spend ₹3,000 with your card in a month, then the annual monthly fee of the card will be waived off. Also, you will unlock the 10% Cash-Back benefit on Groceries. 

Also if you can spend ₹5,000 with your card within a month then you will unlock 10% Cash-Back on BookMyShow, Swiggy, and on utility bill payments, for the rest of the month. 

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • EMI facility:

With this card, you can convert your payments over ₹3000 into EMI. This feature is very helpful for frequent shoppers. 

  • EMV Chip Card:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.

  •  Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.  


  • Cash Withdrawal Charge: 2.5% against the amount, Min ₹500
  • Finance Charge: 3.99% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount.  

Contact Details:


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


100xGain Ratings:


Final Opinion:

This card is best for those who want to earn Cash-Backs, this card offers a 10% Cash-Back on online spending and utility bill payments. This card also offers a fuel surcharge waiver and EMI facility. So if you are looking for a Cash-Back credit card at a low cost then you may go for this card. 

But the Cash-Back offered by the card is not available from the first day of a month. You have to spend a certain amount of money to unlock it every month. Which reduces the interest for this card. So if you want to earn Cash-Back with your card then you can go for ICICI Bank Amazon Pay credit Card or HSBC Cashback Credit Card.   

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