RBL Bank · Super-premium
Nova Credit Card
Where it ranks across all 187 cards
#3 Hotels
6.0%
direct
#4 Flights
6.0%
direct
#17 Mobile / broadband
2.0%
direct
#18 Gaming
2.0%
direct
#19 Jewellery & watches
2.0%
direct
#24 Train tickets
2.0%
direct
#26 Other
2.0%
direct
#28 Health & pharmacy
2.0%
direct
#30 Cabs & transit
2.0%
direct
#34 Electronics
2.0%
direct
#38 Dining out
2.0%
direct
#42 Online shopping
2.0%
direct
#42 Groceries
2.0%
direct
#42 Movies & events
2.0%
direct
#43 Fashion
2.0%
direct
#45 Food delivery
2.0%
direct
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Points valued at ₹1/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
2.00%base rate
4 pts / ₹200
source
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
12 pts / Rs 200 on flights & hotels
6.00%this rule
12 pts / ₹200
source
Source: RBL Bank - rbl.bank.in - read 25 Sep 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on8 exclusions
Education
earns nothing
Education payments earn no reward points.
→ use Axis Burgundy Private here (5.2%)
Utility bills
earns nothing
Utility bill payments earn no reward points.
→ use HSBC Live+ here (10.0%)
Insurance
earns nothing
Insurance premium payments earn no reward points.
→ use Axis Burgundy Private here (6.4%)
Rent
earns nothing
Real estate / rental payments earn no reward points.
→ use Axis Burgundy Private here (4.2%)
Wallet load
earns nothing
Wallet / service provider loads earn no reward points.
→ use SC Ultimate here (3.3%)
Government / tax
earns nothing
Government services payments earn no reward points.
→ use Biz Black Metal Edition Credit Card here (2.5%)
EMI
earns nothing
EMI conversions earn no reward points.
→ use Kotak Solitaire Credit Card here (3.0%)
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.