RBL Bank launches four new credit cards — Aspire, Signature, Nova and Lumer. Full review of fees, rewards, lounge access, milestones and which card is best for you. Premium and ultra-premium features explained.
RBL Bank Launches Four New Credit Cards: Full Review From Entry-Level to Ultra-Premium
RBL Bank has recently launched four brand-new credit cards, targeting users across different lifestyle segments — from basic entry-level customers to ultra-premium high-spenders. The bank claims these cards are designed for young, urban and globally aware consumers who value luxury and premium experiences in their day-to-day life.
Among these four cards, RBL Nova and RBL Lumer are the biggest highlights because they fall under the premium and ultra-premium categories. As expected, their joining fees are significantly high and the privileges are also top-notch. The Lumer card’s joining fee goes up to ₹50,000 + GST, showing RBL’s entry into the premium metal card market.
The remaining two cards — Aspire and Signature — fall under basic and mid-range categories, offering essential rewards and benefits for everyday spending.
In this article, we review all four newly launched RBL credit cards, compare their benefits, fees, and ideal user profiles, and finally see which card is suitable for whom.
1. RBL Aspire Banking Credit Card (Entry-Level)
The Aspire Credit Card is designed specifically for Aspire Banking customers and comes with balanced everyday benefits.
Fees
- Standard Joining & Renewal Fee: ₹1,500 + GST (≈ ₹1,770)
- Aspire Banking customers get complete fee waiver → Lifetime Free Card
Rewards & Cashback
- 3% Cashback on flights, hotels, shopping & voucher purchases via RBL Rewards Portal
- 1% Cashback on all eligible spends
- Monthly cashback cap: ₹1,000
Milestone Benefits
- Spend ₹3 lakh/year → ₹1,500 cashback
- Spend ₹5 lakh/year → ₹3,000 cashback
Total milestone potential: ₹4,500/year
Travel & Lifestyle Benefits
- 1 Domestic lounge access per quarter
(Requires ₹35,000 spend in previous quarter) - BOGO movie tickets on BookMyShow (Up to ₹150/month)
Who Should Get This Card?
If you are an Aspire Banking customer, this card becomes essentially zero-cost while offering solid cashback, lounge access, and monthly movie benefits — making it a sensible everyday card.
2. RBL Signature Banking Credit Card (Mid-Range)
This card is a step above Aspire and targets users who want slightly premium privileges along with good cashback returns.
Fees
- Joining/Renewal Fee: ₹2,500 + GST
- Fee waived for Signature Banking customers → Lifetime Free
Rewards
- 7% Cashback on flights, hotels, shopping & vouchers via RBL Rewards Portal
- 1% Cashback on all eligible spends
- Monthly cashback cap: ₹1,500
Milestones
- Spend ₹4 lakh/year → ₹2,000 cashback
- Spend ₹6 lakh/year → ₹4,000 cashback
Total milestone earning: ₹6,000/year
Travel & Entertainment
- 2 domestic lounge visits per quarter
- 2 international lounge visits via Priority Pass per year
- BookMyShow BOGO offer (max ₹250/month)
Exclusions
No cashback on: groceries, dining, entertainment, fuel, utilities, insurance, rent, wallets, govt services, education, cash transactions.
Who Should Get It?
A great zero-cost card for Signature Banking customers who spend mostly on travel, shopping or vouchers through the RBL portal.
3. RBL Nova Credit Card (Premium Segment)
The Nova Credit Card is a premium invite-only product designed for high-value users who want strong rewards and lifestyle perks without moving to the ultra-premium tier.
Fees
- Approximate fee: ₹15,000 (unofficial)
- Invite-only card (via RBL Relationship Manager)
Welcome Benefit
- ₹12,500 Taj / Luxe Gift Card
Perfect for premium dining, stays, spa and luxury experiences.
Quarterly Milestone
- Spend ₹3 lakh/quarter → ₹10,000 gift card
Annual potential: ₹40,000 in value
Reward Structure
- Flights & Hotels → 12 RP per ₹200 (≈ 6% return)
- Regular spends → 4 RP per ₹200
- 1 RP = ₹1 value on redemption
Lifestyle Benefits
- 12 Domestic lounge visits
- 12 International lounge visits + 4 guest visits
- 4 complimentary golf games + 12 golf lessons per year
- 10% off at select fine dining restaurants
- Low forex markup: 2%
Who Should Get It?
Perfect for premium users who:
- Spend on travel
- Use Taj/Luxe experiences
- Want high-value milestones
- Prefer lounge access and golf perks
Compared to Infinia or Emeralde Private, Nova offers strong value but is still slightly behind ultra-premium benchmarks.
4. RBL Lumer Credit Card (Ultra-Premium Metal Card)
The Lumer Credit Card is RBL’s most premium offering — a metal card built exclusively for ultra-HNI customers.
Fees
- Joining Fee: ₹50,000 + GST (~₹59,000)
- Invite-only
What We Know So Far
Full features are not yet officially revealed, but RBL has confirmed that Lumer cardholders will get:
Exclusive Benefits Expected
- Access to Select Circle concierge — a luxury experience system with:
- personalized travel planning
- luxury hotel bookings
- rare experiences
- elite memberships
- premium lifestyle services
- Premium travel benefits
- Global lounge access
- High-end hotel memberships
- Airport services
- Helicopter transfers (expected)
- Sustainability-driven premium privileges
More details will be shared once RBL officially releases the complete benefits list.
Who Is It Meant For?
Ultra-high-spending customers who want:
- Premium lifestyle experiences
- Luxury travel benefits
- Concierge-level services
- A unique metal card experience
Final Verdict
RBL Bank’s new lineup offers something for everyone: User Type Best Card Entry-level users Aspire Banking Card Mid-range spenders Signature Banking Card Premium lifestyle users Nova Card Ultra-premium HNI users Lumer Metal Card
While these cards are competitive, there are strong alternatives in the market such as HDFC Infinia, ICICI Emeralde Private, and Axis Magnus (old version). Still, RBL’s new lineup is a strong attempt to enter the premium and ultra-premium space.
If you have questions about any individual RBL card, feel free to ask — our team will reply and help you choose the right one.