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Zomato Edition Black

Annual Fee

₹1,499

Rewards/₹100

₹1.00 - ₹7.50

Normalized to balance base rate with bonus categories

Interest Rate

42.00%

Credit Score

700+

At a Glance

Key Benefits

10% on Zomato/Blinkit, Free Zomato Gold, 1.5% forex

Lounge Access

8 domestic lounges/year + 2 international via Priority Pass

Eligibility

Salaried: Rs.50,000+/month, Age: 21-60 years, CIBIL: 700+

Quick Details

Annual Fee
₹1,499 #195
Joining Fee
₹1,499 #196
Interest Rate
42.00% p.a. #108
Forex Markup
1.50% #18
Rewards/₹100
₹1.00 - ₹7.50 #14
Reward Type Cashback
Reward Currency Cashback
Domestic Lounge Visits
2/year #92
Min Credit Score
700+ #54
Min Monthly Income ₹50
Network MASTERCARD
Late Payment Fee ₹100
Over Limit Fee ₹600
Cash Advance Fee ₹500 2.50% (min ₹500)
Fee Waiver on Spend ₹4,00,000/yr

Reward Structure

Base

All Spends

₹1.00 /₹100
Partner

Zomato & Blinkit

₹10.00 /₹100

Reward Calculator

Allocate by Category100%
Zomato & Blinkit
10.0 pts
60%₹30,000
Other Spends
1.0 pts
40%₹20,000
Your Rewards
Points Earned3,200
Cash Value₹3,200
Breakdown
Zomato & Blinkit3,000
Other Spends200
Total Value₹3,200
Quick amounts:

Milestone Benefits

Welcome Bonus

Rs.1000 Zomato voucher on card activation

₹1,000

value

Milestone

2000 Bonus Edition Cash

Spend ₹5,00,000 within 365 days

₹2,000

value

Airport Lounge Access

Domestic Free
2

visits per quarter

Priority Pass Free
2

visits per year

Quick Analysis

The RBL Zomato Edition Black is ideal for heavy Zomato and Blinkit users. With 10% cashback on food orders and complimentary Zomato Gold, foodies can maximize value. However, the 1% base rate makes it less attractive for general spending.

Pros

  • 10% cashback on Zomato and Blinkit orders
  • Low forex markup of just 1.5%
  • 8 domestic lounge visits per year (2 per quarter)
  • 2 international lounge visits via Priority Pass
  • Complimentary Zomato Gold membership
  • Welcome Rs.1000 Zomato voucher
  • Fee waiver on Rs.4 lakh annual spend

Cons

  • Only 1% rewards on non-Zomato spends
  • Limited use case outside food delivery
  • Annual fee of Rs.1499 not waived easily
  • Daily cap of Rs.1000 on Zomato cashback
  • No insurance benefits included

Best For

Frequent Zomato and Blinkit users

Not Ideal For

Those seeking general-purpose rewards

Frequently Asked Questions

What is the reward rate on Zomato orders?
You earn 10 Edition Cash (equivalent to Rs.10) per Rs.100 spent on Zomato and Blinkit orders, giving you 10% cashback.
Is the annual fee waived?
Yes, the annual fee of Rs.1499 is waived if you spend Rs.4 lakh or more in the previous year.
What is the forex markup?
The card charges only 1.5% forex markup on international transactions, which is lower than most cards.
How many lounge visits are included?
You get 2 domestic lounge visits per quarter (8/year) and 2 international lounge visits per year via Priority Pass.
Is Zomato Gold included free?
Yes, complimentary Zomato Gold membership is included as long as you hold the card.

User Reviews

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