RBL Bank BankBazaar SaveMax Credit Card Family
RBL Bank • Mastercard / RuPay / Mastercard
10% Cashback on Zomato & BookMyShow (up to ₹100/mo each); 5X to 10X RP on Groceries (max 1,000 pts/mo); monthly credit advisory report; fuel surcharge waiver
Underwriting & Income Cutoffs
warningMonthly ₹100 Ceiling on Zomato and BookMyShow Cashback
The 10% cashback is tightly constrained to a maximum of ₹100 per month on Zomato and ₹100 per month on BookMyShow, exhaustible on just ₹1,000 spend each.
10% cashback ka benefit sirf ₹100 per month tak limited hai Zomato aur BMS par, jo ki sirf ₹1000 ke order par hi khatam ho jata hai.
Source: RBL Bank BankBazaar SaveMax Product Terms Section 3.1 & 3.2
warning1,000 Points Monthly Limit on Grocery 5X Accrual
5X rewards on groceries cap out at 1,000 points per month, corresponding to ₹20,000 spend on base SaveMax and ₹10,000 on SaveMax Pro.
Grocery 5X points par har mahine 1000 points ka cap hai. Uske baad sirf normal base reward rate milta hai.
Source: RBL Bank BankBazaar SaveMax Pro Terms Clause 3.3
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The Math Behind RBL Bank BankBazaar SaveMax Credit Card Family
RBL Bank BankBazaar SaveMax Credit Card Family (RBL Bank) un logon ke liye design kiya gaya hai jo SHOPPING categories me spend karke 10% tak ka value back chahte hain. Lekin ₹0 (+18% GST) ki annual fee ke sath, asli net profitability aapke merchant categories, waiver spend milestones aur hidden exclusions par depend karti hai.
• Partner Merchant Spends (10% return): Fee recover karne ke liye sirf ₹0 / mahina (₹0 / saal) spend zaroori hai.
• Regular Offline Spends (10% base return): Fee recover karne ke liye lagbhag ₹0 / mahina spend karna hoga. Isse kam spend karne par annual fee ki wajah se net return loss me chala jayega.
1. Merchant Tier Accelerators & Multipliers
Amazon, Flipkart, Myntra aur partner portals par spend karne par 5% se 10% tak ke accelerated reward multipliers milte hain. Par dhyan rahe ki yeh bonus rate sirf specific partner checkout par hi valid hota hai, normal offline retail swipes par standard 1% base rate hi milta hai.
2. Monthly Category Caps & Spending Ceilings
Sabhi accelerated shopping cards par monthly capping ya category spend ceiling hoti hai (jaise ₹1,000 se ₹1,500 maximum monthly cashback). Is limit ke cross hote hi earn rate drop hokar regular 1% ho jata hai, isliye festive sales me spend limit monitor karna zaroori hai.
3. Voucher Expiry vs Statement Credit Friction
Earn kiye gaye points ko direct statement credit me lene par bank ₹99 + 18% GST redemption fee charge kar sakta hai. Brand vouchers me redeem karne par 12-24 months ki expiry aur category lock-in ka dhyan rakhna zaroori hai taaki points expire na hon.
check_circleKise Lena Chahiye (Who Should Apply):
Agar aapka natural monthly kharcha SHOPPING merchants par hota hai aur aap saal me ₹0 ka spend aaram se cross kar lete hain.
cancelKise Bilkul Nahi Lena Chahiye (Who Should SKIP):
Agar aapka kharcha offline dukanon, petrol ya rent par zyada hota hai, ya online spend ₹0/mahine se kam hai, toh is card ko skip karein kyunki fee recover nahi hogi.
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Frequently Asked Questions
What is the annual fee of RBL Bank BankBazaar SaveMax Credit Card Family and how can it be waived?expand_more
RBL Bank BankBazaar SaveMax Credit Card Family ki joining aur annual renewal fee ₹0 + 18% GST (Total: ₹0.00) hai. Agar aap pichle saal me ₹1,00,000 ya usse zyada spend karte hain, toh renewal fee 100% reverse (waive) ho jati hai.
What is the minimum salary required for RBL Bank BankBazaar SaveMax Credit Card Family?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹25,000 aur 750+ CIBIL score hona zaroori hai. Self-employed applicants ke liye ₹6.0 Lakhs+ annual ITR mandatory hai.
What are the ATM cash withdrawal and international forex charges?expand_more
ATM se cash withdraw karne par 2.5% (minimum ₹500) cash advance fee aur pehle din se finance charges lagte hain. International foreign currency spends par standard 3.5% forex markup + 18% GST deduct hota hai.
How does RBL Bank BankBazaar SaveMax Credit Card Family reward point redemption work?expand_more
Earn kiye gaye points ko statement cash ya partner shopping vouchers me redeem kar sakte hain. Statement credit lene par 1 point lagbhag ₹0.25 ka hota hai aur bank ₹99 + 18% GST redemption fee charge karta hai.
• Data Authority: Audited against official bank Most Important Terms and Conditions (MITC) Schedule.
• Regulatory Reference: Reserve Bank of India (RBI) Credit & Debit Card Directions 2022/2024.
• Verification: Independent research conducted by EQUIS Intelligence Labs • Last verified: September 2026.