RBL Moneytap Black Credit Card Review

RBL Bank has a lot of credit cards that offer a lot of features and benefits. RBL MoneyTap black credit card is also this kind of credit card that offers many extraordinary features and benefits. The card is specially designed for reward points which can be easily earned through shopping, purchasing fuel, bookings of movie tickets, and bookings of tickets for traveling, etc. The other facilities of this card are a welcome gift, movies offer, airport lounge access, Milestone benefits, fuel surcharge waiver, etc. You can know the benefits more if you read this thoroughly. Let’s discuss it-

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹20,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above ₹20,000 monthly.
  • Good CIBIL Score (750 or more).
  • Good relation with the bank.

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: ₹3,000 + GST
  • Annual Fee: ₹3,000 + GST


  • Welcome benefit:

You will get 12000 reward points as a welcome gift. You will be eligible for this if you paid the total amount of joining fees. You have to transact a minimum of one time within the first month of the issuance of the card. You will get the gift in between two months.

  • Reward benefit:

If you spend ₹100 for traveling, dining, shopping in grocery, bill payments you will get 2 reward points every time.

If you spend ₹100 on all other online shopping you will get 10 reward points.

The maximum limit of the earned reward points is 500 per month. There are no reward points if you spend for purchasing fuel.

You can earn up to 1000 reward points per month if you transact ₹1000 for a minimum of 5 times per month.

These reward points are redeemable and you withdraw these reward points for hotel booking, ticket bookings of flight, purchasing electronics products.

To redeem these reward points you have to log in to the RBL’s official website. You also use these reward points for airlines which are Indigo, Air Asia, Vistara, Spicejet, etc.

The available hotels are The Lalit Green Easter in Kolkata, welcome hotel in Delhi, Sterling Mac in Bangalore, etc.

  • Lounge access:

You will get 4 airport lounge access per year with this card. You can visit one time per quarter to the lounge.

  • Movie benefit:

If you book a movie ticket from bookmyshow.com you will get a 10% discount on a maximum of ₹100. You can get this offer maximum of 15 times per year. You can use this facility any day of the week. 

  • Fuel surcharge waiver:

You can save a maximum of ₹100 per month. You have to transact between ₹500 to ₹4000 to claim this offer. You can avail of this offer from any petrol pump in India.

  • Lost card liability:

If you lost your credit card you have to report to customer care to avail this offer. Bank will provide you a lost card liability protection if any transaction occurred after losing the card. The Bank will immediately block the card.

  • Milestone benefit:

If you transact more than Rs.2.5 lakhs in a year you will get 8000 reward points and if you spend more than Rs.4 lakhs in a year you will get extra 8000 reward points.

  • Add-on facility:

The bank will provide you add-on cards for your family members (spouse, children, parents, siblings). The add-on cardholders should be 18 years old to use this card. They will get the same benefits as the primary card. The statement of the add-on cards will include in the primary card’s statements.

  • Security:

There is an EVM chip inside the card which made the card more secure. This will provides security in your all transaction.

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


100xGain Ratings:


Final Opinion:

This card will make your life easier. You can use the MoneyTap app for transferring money to the Bank. You can be an elite person by using this card for its reward points facility which helps you to save. You can earn big reward points, free lounge access, a fuel surcharge waiver, and lots more. 

But if you are a golf lover and want to have golf benefits on your card, then you can go for RBL IGU NHS Golf World Card, or if you want a premium lifestyle credit card then you can go for Axis Bank Magnus Credit Card.

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