Myfirst Credit Card

A credit card with power of four cards in one.

Add value to all your spends with rewards like never before with MyFirst Credit Card. The card perfectly complements your spendings habits and lifestyle, letting you enjoy high-savings on all your spends like education and bill payments with best in class rewards, vouchers.

Get 2,000 RP as welcome rewards on payment of annual fee and minimum spends of INR 2,000 within 30 days of card issuance (No welcome rewards will be given to First Year Free cards).

Key Benefits

Annual Rewards worth INR 1,983+
1 RP Per 400 Spends
8 RP per 400 Spends on Education & Bill Payment

Enjoy exclusive, never seen before features

Easy Cash: Unlimited withdrawal of your available cash limit from all ATMs in India up to your billing date (Processing fee of 2.5% applicable; min INR 500 and refer MITC for more details).

Note: Terms and Conditions apply

Shop your way to Rewards

Get 1 Reward Point for every INR 400 spends on all that you like^#
Get 8 Reward Point for every INR 400 spends on Education
Get 8 Reward Point for every INR 400 spends on Bill Payment

Let’s go for a long drive

Experience the freedom and power to fill your vehicle's fuel tank at any place, at absolutely no extra cost. Get a fuel surcharge waiver of up to INR 100 per month.
The Surcharge is applicable on minimum fuel transactions of INR 500 and maximum of INR 4,000.

HOW IT ADDS UP ?

Value Prop	Value (in INR)
Welcome Gift: Get 2,000 RP on spending INR 2,000 within 30 days of card issuance (No welcome rewards will be given to First Year Free cards)	500^^
8 Reward Point for every INR 400 Spent on Education (Assuming Normal spends of INR 10,000); Reward Point Earned = 200	50^^
8 Reward Point for every INR 400 Spent on Bill Payment (Assuming Normal spends of INR 26,000); Reward Point Earned = 520	130^^
1 Reward Point for every INR 400 spent^# (Assuming Normal spends of INR 1,64,000) ; Reward Point Earned = 410	103^^
Fuel surcharge waiver of up to INR 100 per month. (The Surcharge is applicable on minimum fuel transactions of INR 500 and maximum of INR 4,000.)	1,200
TOTAL BENEFITS PER ANNUM	1,983

^{^^}Up to

^##Effective November 13, 2023, transactions made on Insurance, Rent Payments and Wallet Load categories will not earn reward points.

^#Effective from October 15, 2024, there are few modifications to the product Terms on your Credit Card. Transactions made on Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash are not eligible on your MyFirst Credit Card.

Categories/MCCs will be defined as per VISA & Mastercard guidelines:

Fuel:0032,2541,4001,5542,5541,5172; Utility:4900; Insurance:6300,6310; Quas-Cash:6050,6051,4829; Railways:0066,4011,4112; Rental:6513; Education:8220,8244,8249,8211,8241,8299; Wallet:6540; Government Services:9400,1490,2490,2995,7800,9406,9222,9405,9399,9211,9402,9401,9311,9223; ContractedServices:1711,1740,0763,1520,0742,1761,1799,1750,1731,1771,0780; Cash:6011,6010; Misc:5960; Bills2Pay:Tran Code - 71,Tran Code - 72; EMI

Own your MyFirst Credit Card by paying an annual fee of INR 999 (Plus Service Tax).
Reward redemption fee of INR 99 + GST is applicable on redemption of your available reward points earned on RBL Bank Credit Cards. Reward redemption fee is levied one time for redemptions made in a single day.