RBL Bank Enterprise Debit Card Terms and Conditions

These Terms and Conditions (“T&Cs”) shall be applicable to the Cardmember(s) (as defined
hereinafter) of the Enterprise Debit Card (“as defined hereinafter ”). These T&Cs shall be in addition to
and not in derogation of the terms and conditions applicable to debit cards (“Primary Terms and
Conditions”) available on RBL Bank’s Website. In case of any inconsistency between the Primary
Terms and Conditions and these T&Cs, the Primary Terms and Conditions shall prevail. All capitalised
terms used but not defined herein shall have their respective meaning as ascribed under the Primary
Terms and Conditions.

I. DEFINITIONS:

In these Terms, the following words and phrases shall have the meaning stated hereunder unless
indicated otherwise:

i. “Annual Fees” shall mean yearly charges that shall be payable by the Cardmember(s) to RBL
Bank for ongoing membership and benefits associated with the Enterprise Debit Card.
ii. “Enterprise Debit Card” shall refer to a variant of a valid debit card being offered by RBL Bank.
iii. “Cardmember(s)" shall mean such customer(s) of RBL Bank or any such person authorized by
the Account holder to whom the Enterprise Debit Card has been issued and who is authorized to
hold the same.
iv. “Online payment(s)” shall mean transaction(s) made using Enterprise Debit Card through
internet, for purchase of products and services .
v. “GST” shall mean Goods and Services Tax.
vi. “INR” shall mean Indian National Rupee.
vii. “Joining Fee” shall mean one-time charge applicable to the Cardmember(s) upon acquiring the
Card, which will be payable at the time of the Card issuance.
viii. “Offer” shall mean such joining vouchers, e-vouchers, cash back, benefits given by RBL Bank
on purchase of products/ services using the Enterprise Debit Card.
ix. “Void Transaction” shall mean any transaction wherein the transaction has taken place but was
subsequently cancelled/ rejected/ unsuccessful.

II. ENTERPRISE DEBIT CARD OFFER DETAILS

A. Joining Vouchers
i. The Cardmember(s) shall get a link on their registered mobile number/email after activation of
the Enterprise Debit Card by doing one transaction on POS and/or through Online payments using
the Enterprise Debit Card within ninety (90) days of card issuance to claim vouchers worth INR
7,500.
ii. The Cardmember(s) will get a link on their registered mobile number/email to claim further
joining vouchers worth INR 1,000 after making minimum transactions amounting to INR 25,000
on POS and/or through Online payments using the Enterprise Debit Card within 90 days of card
issuance.
iii. The joining vouchers shall be valid for a period of 90 days from the date of receipt of the link by
the Cardmember(s). Post 90 days the Cardmember(s) would not be able to claim the vouchers.
iv. The Cardmember(s) shall receive a SMS/ email within thirty (30) days of fulfilling the eligibility

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 criteria which will contain a website link/ URL to claim the voucher amounts mentioned above.
v. For all cards issued on or after 1st April'24 Amazon brand voucher will be capped to maximum
50% of Joining Vouchers amount credited to the cardmember. For all cards issued prior to
1st April'24 , no such capping would be applicable.

B. Monthly Cash Back as vouchers on minimum monthly transactions of INR 20,000 on

POS/Online payments on below categories

a) 1% Cash Back as vouchers on Fuel

i. 1% cash back as vouchers is applicable on transactions to buy fuel (petrol/diesel – MCC 5542,
5541, 5172, 5983) from an authorised fuel station in India only.
ii. Maximum limit for cash back as vouchers is INR 1500/- in a month.
iii. 1% cash back as vouchers can be availed by the Cardmember(s) only when payment is made
through the Enterprise Debit Card successfully. After successful payment, the Cardmember(s)
gets the link on his/her registered mobile number/email within first twenty (20) days of
subsequent month. Cardmember(s) can redeem in the next 90 days from the date of receiving
the link.

b) 5% Cash Back as vouchers on flight booking

i. 5% cash back as vouchers is applicable on transaction to buy flight tickets from airlines websites
only
ii. Maximum limit for cash back as vouchers is INR 500/- in a month.
iii. To get the benefits card member has to book flight tickets from direct airlines websites (MCC
4511,4722,3000 & 3299) and travel agencies (MCC 4722) through Enterprise Debit Card.
iv. The 5% cash back as voucher can be availed only when payment is made through the Enterprise
Debit Card successfully.
v. Cardmember(s) will not be eligible to receive cashback in case of booking cancellations.
vi. After successful payment, the Cardmember(s) gets the link on his/her registered mobile
number/email within first 20 days of subsequent month. The Cardmember(s) can redeem in the next
90 days from the date of receiving the link.

c) 5% Cash back as vouchers on OTT subscription (Netflix, Amazon prime etc.) & Telecom Services

i. 5% cash back as vouchers is applicable on transaction to buy OTT & telecom services only
ii. Maximum limit for cash back as vouchers is INR 500/- in a month
iii. To get the benefits card member has to subscribe from direct subscription websites (MCC 5968 &
4899) and same for telecom services (MCC 4814) through Enterprise Debit Card.
iv. The 5% cash back as vouchers can be availed only when payment is made through the Enterprise
Debit Card successfully. After successful payment, the Cardmember(s) gets the link on his/her
registered mobile number/email within first 20 days of subsequent month. Cardmember(s) can
redeem in next 90 days from the date of receiving the link.

d) 5% cash back as vouchers on utility payment (Electricity/Gas/water etc.)

i. 5% cash back as vouchers is applicable on utility payments only

ii. Maximum limit for cash back as vouchers is INR 1000/- in a month

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iii. To get the benefits card member has to do payment for electricity, gas, heating oil, sanitary, water
(MCC – 4900,4812 & 4816) through Enterprise debit card.
iv. The 5% cash back as vouchers can be availed only when payment is made through the Enterprise
Debit Card successfully. After successful payment, the Cardmember(s )gets the link on his/her
registered mobile number/email within first 20 days of subsequent month. Cardmember(s) can
redeem in the next 90 days from the date of receiving the link.

In case of Current Account, minimum monthly transaction of INR 25000 on POS/Online payment would
be required to be eligible for monthly cashback as vouchers on the above categories, with effect from
1st May 2024.

International transactions and/or transactions carried out on the Merchant Category Codes (MCC) listed
Below will be excluded from availing Monthly vouchers, with effect from 1st May 2024.

Merchant Category Codes

(MCC) MCC Description
6012 Financial Institutions – Merchandise, Services, and Debt Repayment

Non-Financial Institutions – Foreign Currency, effective through 19

January 2024, Non-Fiat Currency and effective from 20
January 2024 Liquid and Cryptocurrency Assets (for example:
Cryptocurrency), Money Orders (Not Money Transfer),
Account Funding (not Stored Value Load), Travelers Cheques, and
6051 Debt Repayment
6540 Non-Financial Institutions – Stored Value Card Purchase/Load
6211 Security Brokers/Dealers

C. Annual Vouchers

i. The Cardmember(s) is eligible to receive Vouchers in the First Year* amounting to INR 9,000 on
total spends of INR 15 Lakhs made by the Cardmember(s) within thirteen (13) months from the date
of issuance of the Enterprise Debit Card as per the table below. All spends made on POS and/ or
through Online payments will be eligible for the Vouchers.

Spends milestone (in INR) Amount of Voucher (in INR)

5,00,000 2,000
10,00,000 3,000
15,00,000 4,000

*Note: The First year of the Card means, the period beginning from the day of Card issuance date
and ending with last day of the said month in the next calendar year. Example: Card is issued on
October 20, 2020, in the first year the spends of the Cardmember(s) between October 20, 2020 to
October 31, 2021 will be considered for spends calculation; Or Card is issued on October 1, 2020,
in the first year, the spends of the Cardmember(s) between October 1, 2020 to October 31, 2021
will be considered for spends calculation.

For the purpose of providing the annual voucher as detailed in point (i) above, once the

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 Cardmember(s) achieves the eligibility criteria, a link will be shared by the Bank for redemption of
the voucher within 30 days from the end of 13 months.

ii. For subsequent year (second year onwards), the Cardmember(s) is eligible to receive vouchers
annually, amounting to INR 9,000 on total spends of INR 15 Lakhs made by the Cardmember(s)
during twelve (12) months from the date beginning with the immediate subsequent month post
completion of an year in the previous cycle as per the table below. All spends, made on POS and/
or through Online payments will be eligible for the vouchers.

Spends milestone (in INR) Amount of Voucher (in INR)

5,00,000 2,000
10,00,000 3,000
15,00,000 4,000

Example: The second year starts on November 1, 2021, and all spends made by the Cardmember(s)
between November 1, 2021 to October 31, 2022 will be considered for spends calculation.

iii. RBL Bank reserves the right to disqualify the Cardmember from the benefits of the Offer if any
fraudulent activity is identified as being carried out for the purpose of availing the benefits or
otherwise by use of the Card.
iv. The spends will not be considered for Void Transaction.
v. International transactions and/or transactions carried out on the Merchant Category Codes (MCC) listed
below will be excluded from availing Annual vouchers, with effect from 1st May 2024.

Merchant Category Codes

(MCC) MCC Description
6012 Financial Institutions – Merchandise, Services, and Debt Repayment

Non-Financial Institutions – Foreign Currency, effective through 19

January 2024, Non-Fiat Currency and effective from 20
January 2024 Liquid and Cryptocurrency Assets (for example:
Cryptocurrency), Money Orders (Not Money Transfer),
Account Funding (not Stored Value Load), Travelers Cheques, and
6051 Debt Repayment
6540 Non-Financial Institutions – Stored Value Card Purchase/Load
6211 Security Brokers/Dealers

D. 0% Markup on Forex transactions

Zero Mark up on international Transactions or foreign currency transactions on

Enterprise Debit Card.
Mark-up @3.5% plus government levies as applicable will be levied on all
international ATM cash withdrawals.

E. Joining Fee & Annual Fee:

The rates of Joining and Annual Fees are mentioned below:

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 Joining Fee: INR 7500 + GST
Annual Fee: INR 2000 + GST

F. Insurance Cover:

It is mandatory for the Cardmember(s) to have conducted at least one Card transaction on a POS and/ or
through Online payments using the Enterprise Debit Card in the last 90 days prior to the claim intimation
to claim any insurance mentioned below.

Insurance Covers Limits (in INR)

Personal Accident - Air accident Cover 2,00,00,000

Personal Accident – Death Cover 25,00,000
Lost card liability up to 7,00,000
Cash in transit Liability / ATM assault and robbery up to 2,00,000
Loss of checked in baggage up to 50,000
Loss of Passport and travel related documents
25,000
up to
Delay of checked in baggage up to 25,000
Purchase protection up to 1,00,000

G. Withdrawal & Spends Limit

Higher ATM withdrawal limit of INR 2,00,000 per day for every Cardmember(s).
POS limit of INR 7,00,000 a day, including but not limited to Online payments.

H. Complimentary Lounge Access

Two complimentary lounge access per quarter at select domestic airports to Cardmember(s).

I. ATM Usage
Free and unlimited ATM usage at all RBL Bank ATMs.
For free number of transactions on other bank’s ATMs in India refer to the schedule of charges.

III. GENERAL TERMS:

i. All respective terms and conditions of the brands apply.

ii. This Offer is available only for individual Cardmember(s) and not corporate Cardmember(s).
iii. Cash back in form of e- vouchers having a one-time validity of 90 days shall be shared in form
of a link with the eligible Cardmember(s) by the Bank on their registered email ID / Mobile
Number (visit www.rblbank.com for complete details). E-vouchers once expired cannot be
revalidated.
iv. By availing this Card, Cardmember(s) agrees to be bound by the terms & conditions including any
other applicable terms & conditions modified and prescribed by RBL Bank from time to time. Any
such acceptance by the Cardmember(s) shall imply that the Cardmember(s) has read, understood
and accepted the Terms and Conditions hereunder.
v. The cashback Offers and related benefits/e-vouchers are non-transferrable to any other person and

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 is a standalone. Offer and the benefits offered under this Offer cannot be clubbed together and/or in
any way be cumulated with any other offer of RBL Bank in any manner, or form.
vi. This Offer is not applicable to Void Transaction(s).
vii. The Cardmember(s) shall indemnify and keep the Bank indemnified against any loss or damage that
the Bank may suffer including but not limited to operation of the Enterprise Debit Card on account
of Void Transaction(s) or due to misuse/ use by third parties based upon or relating such access and
use or otherwise.
viii. The Cardmember(s) shall not hold the Bank liable in case of any fraudulent, unauthorized, erroneous
use of Enterprise Debit Card.
ix. Any taxes, duties, levies, charges or other liabilities payable to the government or any other statutory
authority/ body in connection with the benefits accruing under the Offer shall be borne solely by the
Cardmember(s). Tax deducted at source, if any, on the monetary value of the Offer shall be payable
by the Cardmember(s). This Offer shall be subject to all applicable laws, rules and regulations which
are in existence and which may be promulgated anytime by any statutory authority.
x. The Card shall not be utilised for any purchase or sale of prohibited/ banned merchandise / products
/ services for which such offers cannot be availed for any reason whatsoever. RBL Bank reserves
the right to disqualify the Cardmember from the benefits of the Offer if any fraudulent activity is
identified as being carried out for the purpose of availing the benefits under the Offer or otherwise
by use of the Card.
xi. These terms and conditions shall be governed by the laws of India and any dispute arising out of or
in connection with these terms and conditions shall be subject to the exclusive jurisdiction of the
courts in Mumbai.
xii. RBL Bank reserves the right at any time, to add, alter, modify, change or vary any of these terms
and conditions or to replace, wholly or in part, this Offer by another offer, whether similar or not,
or to withdraw it altogether at any point in time, without any prior notice and without assigning any
reason whatsoever. For any query with regards to these offers reach out to RBL bank through email
to customercare@rblbank.com

DISCLAIMER
RBL Bank is neither guaranteeing nor making any representation with respect to the products/
services provided by the third parties. For any queries, complaints, issues and/ or feedback pertaining
to products and services purchases from a third-party website, Cardmember(s) shall directly deal
with the third parties only.

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