RBL Bank MyFirst Credit Card
One point/full ₹400 eligible ordinary purchase. Up to ₹0.25/point is an issuer illustration, not cash.
Try your spend →How this estimate works
RBL MyFirst lists one reward point per complete ₹400 of eligible ordinary spend. The product page values 2,000 welcome points at up to ₹500 and 410 ordinary points at up to ₹103, which imply an illustrative upper value near ₹0.25/point. This is RBL Rewards catalogue value, not cash or guaranteed availability. The model counts one eligible purchase repeated each month, values points at the conservative ₹0.25 illustration only when annual earnings reach the RBL Rewards FAQ 500-point voucher minimum (otherwise zero), subtracts a single ₹99+estimated GST redemption fee when value covers it, and deducts the recurring ₹999+estimated GST annual fee. The page also advertises eight points per ₹400 on education and bill payment, but its current MCC list names education and utilities among exclusions; these disputed boosts are not scored. Insurance, rent, wallet loads, fuel/auto, quasi-cash, rail, government, contracted services, Bills2Pay, EMI, miscellaneous and cash are excluded, and unsupported merchant-specific routes score zero. Conditional welcome points and fuel surcharge waiver are omitted. Actual redemption inventory and merchant coding may differ.
Issuer terms
MyFirst reward examples, fees and exclusions · RBL rewards minimum and redemption fee
Terms checked 30 September 2026. Education/bill-pay boosts are omitted due to MCC exclusion conflict.