RBL Novio Credit Card 2025
Get over ₹40,000+ value/year with 6% grocery cashback + 4 lounges!
Best grocery + lifestyle card! RBL Novio gives 6% unlimited cashback on groceries & supermarkets (BigBasket, DMart, Reliance Fresh, etc.), 4 domestic lounge visits, 2% forex markup, 1% fuel waiver & direct cashback every month.
Perfect for family grocery shopping!
Why Choose RBL Novio in 2025?
6% unlimited groceries • 4 lounges • 2% forex • 1% fuel • Direct cashback
Best for: Family grocery bills, domestic travel, low forex spends
Card At a Glance
₹999 + GST
₹999 + GST
6% Unlimited Cashback
4 Domestic/Year
2%
₹3,000 Cashback
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹999 + GST |
| Annual Fee | ₹999 + GST (waived on ₹3L spend) |
| Groceries/Supermarkets | 6% unlimited cashback |
| All Other Spends | 1% cashback |
| Forex Markup | 2% + GST |
| Fuel Waiver | 1% (max ₹100/month) |
Detailed Reward Rates (2025)
- 6% unlimited cashback on grocery & supermarket spends
- 1% cashback on all other spends
- ₹3,000 welcome cashback on ₹1L spend in 90 days
- Cashback credited monthly
Airport Lounge Access
- 4 complimentary domestic lounge visits per year
- 1 visit per quarter
- Dreamfolks network
Insurance & Protection Benefits
- ₹50 Lakh air accident cover
- Zero lost card liability
- Purchase protection up to ₹50,000
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 6% unlimited on groceries | ₹999 + GST fee |
| 4 domestic lounges | Only 1% on non-grocery |
| 2% forex markup | No international lounge |
| ₹3,000 welcome cashback |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, Salary Slip / ITR
How to Apply Online (3-Minute Process)
- Visit RBL Bank website
- Select Novio Card → Apply Now
- Fill details & Video KYC
- Instant approval possible
- Card + ₹3K cashback in 10 days
Final Verdict – Should You Get It in 2025?
Best grocery cashback card! 6% unlimited on groceries + 4 lounges + 2% forex = ₹40K+ value/year. Must-have if your monthly grocery bill is ₹15K+!
Frequently Asked Questions (FAQs)
6% har supermarket pe?
Yes! BigBasket, DMart, Reliance, Nature’s Basket – sab pe.
Cap hai grocery pe?
No! 100% unlimited.
Fee waiver kitna spend?
₹3 Lakh annual spend.