The verdict: a simple app-cashback card with tight caps
5% on Swiggy, Zomato, Blinkit, Zepto, Flipkart and four more is a good rate, but it stops at ₹50 an order and ₹500 a month, you have to claim it every month, and nothing else on the card earns. About ₹2,000 a month on these apps covers the ₹1,179 fee.
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Best fit: ₹4,000 to ₹10,000 a month of food, quick-commerce and fashion orders, mostly under ₹1,000 each.
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Skip it if: you buy big-ticket items (a ₹5,000 order earns ₹50, so 1%), or want rewards on UPI, bills, fuel or everyday spends.
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Set a reminder for the 3rd: that’s when each month’s claim banner opens in the MyBank app. Check your numbers in the calculator above.
Earn rates at a glance
From RBL Bank’s Jalsa terms and conditions. Points are worth ₹0.20 each and are paid out as vouchers.
| Benefit | Where, and the limit |
|---|---|
| 5% | Myntra, Swiggy, Zomato, Meesho, Urban Company, Flipkart, Zepto, Blinkit and AjioCashback on settled transactions. Up to ₹50 per transaction and ₹500 per calendar month, all nine apps together |
| ₹1,000 | Welcome voucher (5,000 points)Make an eligible transaction within 30 days of card issue. Once per cardholder, on payment of the membership fee |
| ₹500 | Milestone voucher (2,500 points)Spend ₹3 lakh on eligible transactions in a membership year. Add-on card spend counts |
| 0% | All other spendsThe Jalsa terms list no cashback or reward points outside the nine apps |
| 0 | Offline UPI payments under ₹2,000 at small merchantsNo points, vouchers or milestone credit. Small means a turnover of ₹20 lakh or less last year |
The math on caps: ₹10,000 of orders at ₹1,000 or less fills the ₹500 cap. The most you can get is ₹6,000 a year.
Claiming the cashback
- 3rd of the month: the claim banner opensYou get an email when you’re eligible. Open the MyBank app, then Offers & Rewards, then My Exclusive Offer.
- Within 3 calendar months: confirm with OTPEach month has its own banner and needs its own OTP consent on your registered mobile number.
- Within 15 days: credited to the cardIt shows on your next statement, and an email confirms the claim.
Cashback isn’t automatic
The terms say you must claim each calendar month’s cashback in the MyBank app. They give no rule for a month you don’t claim within the 3-month window, so don’t let one lapse.
What doesn’t count towards the milestone
These merchant codes are excluded from the ₹3 lakh milestone, along with EMI conversions (Split-N-Pay and EMIs at checkout), Bills2Pay, fees, charges and GST.
| Fuel and auto | 517255415542400125410032 |
|---|---|
| Utilities | 4900 |
| Wallets and service providers | 6540 |
| Real estate and rent | 6513 |
| Insurance | 63006310 |
| Railways | 411240110066 |
| Education | 822082448249821182418299 |
| Government services | 94001490249029957800940692229405939992119402940193119223 |
| Contracted services | 17111740076315200742176117991750173117710780 |
| Quasi-cash | 605060514829 |
| Cash | 60116010 |
| Miscellaneous | 5960 |
Reward points and vouchers
- Value
- ₹0.20 a point5,000 welcome points make a ₹1,000 voucher; 2,500 milestone points make ₹500.
- Where to redeem
- RBL Rewards portalVouchers on brands listed there. Register at rewards.rbl.bank.in first.
- Redemption fee
- ₹99 + GST each time₹116.82 a redemption.
- Expiry
- 24 monthsPoints not redeemed within 24 months are forfeited.
- Closing the card
- Redeem firstUnredeemed points lapse on closure. No redemption while the card is overdue, blocked or suspended.
- Add-on cards
- Primary redeemsOnly the primary cardholder can redeem points.
Fees and charges
From RBL Bank’s Most Important Terms and Conditions. 18% GST applies to every fee and charge.
Card fees
- Joining fee
- ₹999 + GST₹1,178.82, charged after your first transaction.
- Renewal fee
- ₹999 + GSTThe MITC lists no spend-based waiver for Jalsa.
- Add-on card
- ₹200 a yearPer add-on cardholder. Add-ons share your limit.
- Free look
- 45 daysCancel within 45 days of issue if nothing is outstanding and the welcome benefit is unused.
- Replacement, duplicate statement, over-limit
- Nil
Interest and late fee
- Interest-free period
- Up to 50 daysLost if last month’s bill isn’t paid in full, or on cash withdrawals.
- Interest
- Up to 3.99% a month47.88% a year. Set by CIBIL score: above 775 is 3.35% (40.20%), 725 to 775 is 3.85% (46.20%), below 725 is 3.99% (47.88%).
- Late payment fee
- 12.5% of the total outstandingMinimum ₹5, maximum ₹1,300. Charged once you’re more than 3 days past the due date.
- Cash advance
- 2.5%, minimum ₹500Plus interest from the day you withdraw. Quasi-cash and money transfers count as cash.
- Minimum amount due
- 5% of spends, or ₹200Plus GST, EMIs, fees and any unpaid past minimums.
Usage fees
- Foreign currency
- 3.5% markupAlso on rupee payments abroad or to merchants registered overseas.
- Rent
- 1% of every rent paymentMCC 6513.
- Utilities
- 1% above ₹50,000 a monthOn total utility spend per card. MCC 4900.
- Fuel and auto
- 1% on transactions above ₹10,000Up to ₹3,000 per transaction, including surcharge.
- Education
- 1% through third-party appsLike CRED, PhonePe or Paytm. Free on the school’s own website or POS.
- FASTag and tolls
- 1% on transactions above ₹10,000From 7 January 2026.
- Merchant EMI
- 1.5%, minimum ₹150EMIs earn no base points on RBL cards.
- Cash bill payment at a branch
- ₹100
- Cheque or auto-debit bounce
- ₹500
RuPay UPI and NCMC
- UPI
- Scan and pay at merchantsLink the card in a UPI app with your registered mobile number and set a 6-digit UPI PIN.
- Not allowed on UPI
- Person-to-person, cash, merchant EMIAlso card-to-card, IPOs, mutual funds and lending apps.
- NCMC
- Tap and payThe card supports the National Common Mobility Card standard on RuPay.
- Disputing a charge
- Within 30 days of the statementBy email or RBL’s signed dispute form.
- Unused card
- Closed after 1 yearRBL sends a 30-day notice first.
Personal use only
If RBL decides transactions are commercial, it can take back cashback, points and vouchers without notice, and suspend the card.
Quick answers
Is the cashback credited automatically?
No. You claim each month in the MyBank app with an OTP, within 3 calendar months of the banner opening on the 3rd. It’s credited within 15 days of the claim.
Do I get 5% on every order?
Only up to ₹50 per order and ₹500 a month. A ₹600 Swiggy order earns ₹30; a ₹3,000 Myntra order earns ₹50.
Does anything else earn rewards?
No. The terms give cashback only on the nine apps. Other eligible spends count towards the ₹3 lakh milestone.
Is the annual fee waived on spends?
RBL’s MITC lists Jalsa at ₹999 for the first year and ₹999 from the second, with no spend-based waiver.
What is the welcome benefit really worth?
A ₹1,000 voucher. Redeeming it costs ₹99 + GST (₹116.82). You need a transaction within 30 days of getting the card.
What’s the most I can earn in a year?
₹6,000 of cashback, plus the ₹500 milestone voucher, plus ₹1,000 in the first year.
Sources
- RBL Bank: Jalsa Credit Card terms and conditions (PDF)Issuer (opens in a new tab)
- RBL Bank: Most Important Terms and Conditions (PDF)Issuer (opens in a new tab)
- RBL Bank: Credit Cardmember Agreement (PDF)Issuer (opens in a new tab)
- RBL Bank: MITC in Indian languagesIssuer (opens in a new tab)
- RBL Bank: Jalsa Credit Card product pageIssuer (opens in a new tab)
Cashback, vouchers, caps, the claim process and milestone exclusions come from the Jalsa terms and conditions. Fees, interest, late fee, usage fees, UPI rules and the free-look period come from the MITC. Points expiry and closure rules come from the cardmember agreement. The card picture is an illustration, not RBL Bank’s card design. This is an independent review, not financial advice or an RBL Bank endorsement.