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Www.rbi.org.in Credit Card

Verified · August 20, 2026
4.5/5.0

Updated on August 20, 2026

🎖️Reward Rate

Accelerated cashback on select platforms

Overview

Official Unknown Credit Card provided by Unknown Bank.

Rewards

Reward Type

Cashback

Reward Rate

Accelerated cashback on select platforms

Welcome Benefit

Complimentary activation bonus upon fee payment

Milestone Benefit

Annual renewal fee waiver on spending threshold

Redemption

Redeem for flight/hotel bookings, brand vouchers, and statement cash credit

Benefits

  • Comprehensive reward points, milestone waivers, and travel privileges

Things to Know Before you apply

Www.rbi.org.in Credit Card Eligibility Criteria

  • Age: 21–65 years
  • Salaried: > ₹35,000/month; Self-Employed: ITR > ₹6,00,000
  • Salaried & Self-Employed Individuals
  • Resident Indian

Fees & Charges

ParticularsAmount
Joining FeeFree
Annual FeeFree
Foreign Currency Mark-up Fee3.5%
Cash Advance Fee2.5% (Min ₹500)

Fee waiver: N/A

PaisaSimple Review

Overall Rating

4.5/5

What do we like about this card?

The Unknown Credit Card issued by Unknown Bank is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.

Pros

  • High value reward program
  • Wide merchant acceptance

Cons

  • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified

Compare with Similar Cards

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Fee Details

Joining Fee

Free

Annual/Renewal Fee

Free

Joining Fee

Free

Annual/Renewal Fee

Free

Joining Fee

Free

Annual/Renewal Fee

Free

Welcome Benefit
  • Complimentary activation bonus upon fee payment
  • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
  • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
  • Fulfillment Timeline: Credited within 60 days of card issuance
  • Complimentary activation bonus upon fee payment
Reward/Cashback Rate
  • Accelerated cashback on select platforms
  • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
  • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
  • Excluded Categories: Fuel transactions
  • Wallet loading
  • Cash advances
  • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
  • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
Pros
  • High value reward program
  • Wide merchant acceptance
  • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
  • Forex markup rate of 1.5%
  • Airport lounge and lifestyle dining privileges
  • Lifetime Free card with zero annual charges
  • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
  • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
  • High value reward program
  • Wide merchant acceptance
Cons
  • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
  • Standard terms & exclusions apply
  • Reward exclusion on fuel purchases and wallet load transactions
  • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified