RBL Bank Epoch Credit Card
RBL Bank
The RBL Bank Epoch Credit Card is a mid-tier card that punches above its weight in dining and international spending — two categories typically dominated by premium cards. The 2% reward rate on dining at partner restaurants and 2% on international transactions is exceptional for a card in the ₹1,000 annual fee segment, matching or exceeding cards that cost three times as much. The lower forex markup of 2.5% (compared to the standard 3.5%) on international transactions provides meaningful savings for occasional international travelers who do not qualify for or want to pay the premium for zero-forex premium cards. Four domestic airport lounge visits per year provide adequate travel perks for occasional flyers, while the Buy 1 Get 1 free movie ticket offer once a month adds entertainment value. Credit shield up to ₹2 lakhs provides basic financial protection. The RBL Epoch represents exceptional value per rupee of annual fee for dining-focused spenders with moderate international travel needs. Source: RBL Bank official website, updated May 2026.
Key Facts
| Feature | Details |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
Features & Benefits
Pros & Cons
- Good dining rewards
- International reward rate
- Lower forex markup
- Movie offer
- Limited international lounge visits
- No zero forex
- No premium travel benefits
How to Apply
Review the eligibility criteria below and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.