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Benefits and Offers

  • Transfer money to your own account instantly and convert into EMI
  • vCard RBL Bank Credit Card for both Online and Offline Payments
  • 1 reward point per Rs. 100 spend on key categories.
  • Reward point to rupee conversion at ~4:1
  • Zero Annual Fees for Year 1, waived off subsequently on spend of > Rs. 1L
  • Value Back for mid-week spends on Bookmyshow etc... Personalized offers on Food, Shopping, Entertainment, Online Spend etc

Get started

  • Complete Application on App or Web
  • Basic Demographics, PAN details
  • On Approval, Complete Application with Aadhaar based KYC
  • Complete KYC through Video KYC or Biometric

Using vCard RBL Bank Credit Card

  • Transfer money to your own account instantly and convert into EMIs
  • vCard RBL Bank Credit Card for both Online and Offline Payments


  • On or before due date, make payment through UPI/ Netbanking on the vCard app
  • If unable to make full payment, pay atleast the Minimum Amount Due to avoid late fees

For all details pertaining to RBL Bank vCard Credit Card, please refer

vCard Grievance Redressal Cell

  • To report any grievance in the vCard app, you can contact vCard’s Grievance Redressal Cell:
  • Email:
  • Contact Number: +91 040 4819 9999
  • You can also write a letter to the below address:
    Tensor Fields Consultancy Services Pvt Ltd
    4th Floor, 8-2-672/5&6, Road No. 1,Banjara Hills, Hyderabad - 500034, Telangana, India

  • vCard Customer Care mail id:

Frequently Asked Questions

  • What is the age limit to apply for vCard RBL Bank Credit Card
    Age must be greater than 23 years
  • What is the eligibility criteria to apply for this vCard RBL Bank Credit Card
    - Valid address proof
    - PAN card
    - Must be salaried (above Rs.25,000 per month) or Self-Employed
  • What is the Address Proof that can be submitted
    Aadhaar card, Valid Passport, Driving License
  • What is the Process to apply for vCard RBL Bank Credit Card
    - Customers initially need to check their eligibility through App and after getting the approval customer can go through eKYC and schedule a doc pickup through app in their convenient time
    - Once the card gets approved, You can start using the limit in your app and will receive your vCard RBL Bank Credit Card to your registered address.
  • Interest charges and Late fees
    - Please refer to RBL Bank Credit Card MITC
  • What is the Maximum Credit Limit I can get
    The maximum eligible amount is Rs.5,00,000
  • What documents are needed to apply vCard RBL Bank Credit Card
    Identity Proof (Any 1)
    - Pan Card
    - Voter Identity Card
    Address Proof (Any 1)
    - Utility bills incl. Electricity bill, post-paid mobile, Telephone bill, water bill etc
    - Municipal tax
    Or Both (Any 1)
    - Valid Passport
    - Driver's License
    - Aadhar Card
  • Is there any Annual fee for this card
    - Annual fee of Rs.500+GST 18% per annum is free for the first year and is waived off from second year onwards if the Annual spent is 1 lakh and more
  • How can I see details of transactions made on my card
    All the transactions can be seen in ‘Passbook’ option available in vCard app
  • How can I generate my vCard App MPIN
    MPIN can be generated after signing up in to vCard app with your registered mobile number
  • How can I change /update my vCard App MPIN
    MPIN can be changed at any time through vCard app, from Settings option in menu bar
  • What payment channels I can use for bill payment
    - Bill payment can be done through Internet banking, Credit card, Debit card
  • Can I withdraw cash at ATMs with my vCard RBL Bank Credit Card
    - Yes, you can withdraw from any ATM. Cash withdrawl fees are applicable.
  • When is the late payment charges levied
    Late Payment charges will be applicable if Minimum Amount Due is not paid by the payment due date, Clear funds need to be credited on or before the payment due date, to avoid Late Payment charges.
  • Where the vCard RBL Bank Credit Card can be used
    Can be used for purchases at Merchant establishments
    Can be used for purchases on the Internet
    Can be used to transfer amount to self savings bank account instantly
  • How my Credit card dues are informed to me
    You will be sent a billing statement detailing the transactions on vCard app well before the due date for payment of dues.
    Billing information is also made available by email if you have registered with your email id.
    You will also be informed by an SMS Alert about the billing amount and due date for payment of dues.
  • How can I use / redeem my Reward Points
    - Please register at to redeem the points
    - Please go through for details and conditions
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