RBL UPI Wala Credit Card launched at just ₹99 with UPI payments, 20% welcome cashback, rewards, tap-and-pay and low charges. Read full review & apply now.
RBL UPI Wala Credit Card Review 2025: Full Features, Fees & Benefits Explained
RBL Bank has launched a brand-new credit card called the RBL UPI Wala Credit Card — and its name is just as unique as the benefits it offers. This is a perfect entry-level card for users who make frequent UPI transactions and want a low-cost card with meaningful benefits.
The best part?
You can get this card for just ₹99, making it one of the most affordable UPI-linked credit cards in India.
RBL UPI Wala Credit Card Fees & Charges
This card comes with very minimal and budget-friendly charges:
- Joining Fee: ₹99
- Annual Fee: ₹99 per year
- Interest Rate: 3.99% per month (if you miss bill payment)
- Cash Withdrawal Fee: 2.5% (avoid withdrawing cash using credit cards)
- Forex Markup: 3.5% on international transactions
Overall, the fees are extremely nominal for a UPI-enabled credit card.
Key Benefits of RBL UPI Wala Credit Card
1. 20% Welcome Cashback (Up to ₹50)
As a welcome benefit, you get 20% cashback on your first two UPI transactions made within 15 days of card issuance.
- Maximum benefit: ₹50
- Valid only for the first two UPI payments
A simple and quick way to earn instant cashback.
2. Full UPI Integration (All Apps Supported)
You can make UPI payments using this credit card on any major app, including:
- Google Pay
- PhonePe
- Paytm
- BharatPe
- and other UPI apps
Since most daily payments today happen through UPI, this card makes your everyday spending very convenient.
3. Reward Points on Every ₹200 Spent
You earn 1 reward point for every ₹200 spent on:
- UPI transactions
- Online shopping
- General purchases
Where can you use reward points?
You can redeem them for:
- Shopping vouchers
- E-gift cards
- Bill payments
- Travel bookings
- Mobile/DTH recharge
No reward points will be earned on:
- Fuel purchases
- Rent payments
- Utility bills
- Education payments
- Railway bookings
This is standard for most entry-level credit cards.
4. Tap & Pay Feature for Easy Payments
The card supports contactless payments, allowing you to simply tap your card at POS machines for transactions up to ₹5,000 without entering a PIN.
For higher amounts, the normal chip + PIN process is required.
Eligibility Criteria for RBL UPI Wala Credit Card
To apply for this credit card, you must have:
- Minimum age of 21 years
- PAN card
- Valid identity proof
- Valid address proof
Approval chances are generally good for eligible applicants.