RBL MyCard 信用卡数据 API

RBL Bank · 银行

RBL MyCard 是 RBL Bank 面向印度信用卡持卡人的官方 Android 应用。用户用设备绑定的 mPIN 登录（手机上可选指纹），首页展示未还余额、可用信用与取现额度、还款到期日和积分；同一会话可开关卡片、切换境外交易、把消费转成分期、申请 Xpress Cash、用 UPI 或关联的 RBL 借记账户还账单、登记生活缴费商户，并在无卡消费时显示 CVV。发卡方是私营银行 RBL Bank（前称 Ratnakar Bank）；在 Google Play 上它与 HDFC PayZapp、SBI Card、Axis Mobile 等印度银行发卡应用并列，而不是全能数字银行。3.160 版仅在印度上架，并会查询同一设备上的银行 MoBank 应用。

登录卡片上的可用信用与取现额度落在 availableCreditLimit 与 unbilledOutstandingAmount，同一查询还带 minimumAmountDue、datePmtDue 和 cardStatus。账期流水补上商户 narrative、amount 与 postingDate；持卡人档案含 customerName、pAN、customerMobileNumber。催收可对照 UPI 的 vPAName 与向卡还款的 paidAmount，风控则看 intstatus 与开关 Status。openData Studio 把这些字段变成可调用的开放数据。

应用截图

API 端点一览

以下端点与请求/响应示例均依据应用界面推导重构，为示意说明，并非实际抓包。

校验 mPIN 会话
POST /v1/sessions/pin opendata
用设备绑定的 mPIN 换取会话令牌，之后每一次卡片调用都靠它。
认证方式：首次调用无需会话。DeviceID 加加密 MPIN 换取会话令牌；之后的调用以 Bearer 令牌发送。
- DeviceID
- OldDeviceId
- MPIN
- Token
- ForceToLogin
- SessionId
- token
```
POST /v1/sessions/pin HTTP/1.1
Content-Type: application/json

{
  "DeviceID": "and-rbl-8f21",
  "OldDeviceId": "",
  "MPIN": "<encrypted-pin>",
  "Token": "<device-token>",
  "ForceToLogin": "N"
}
```
```
{
  "SessionId": "Sess-8f21c4",
  "token": "tok_myc_4419"
}
```

首页卡片信息

POST /v1/cards/summary openbanking

加载一张 RBL 信用卡的首页：额度、未出账单余额、应还、上次还款与积分余额。

认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。

cardNumber
cardHolderName
accountNumber
accountStatus
availableCreditLimit
availableCashLimit
totalCreditLimit
totalCashLimit
unbilledOutstandingAmount
totalAmountDue
minimumAmout
paymentDueDate
statementDate
lastPaymentAmount
lastPaymentDate
rewardPointsAvailable
rewardPointsExpiryDate
currencyCode

POST /v1/cards/summary HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "cardNumber": "<encrypted-card-number>"
}

{
  "cardNumber": "5241********9012",
  "cardHolderName": "ANITA SHARMA",
  "accountNumber": "CC44190821",
  "accountStatus": "A",
  "availableCreditLimit": "187500.00",
  "availableCashLimit": "25000.00",
  "totalCreditLimit": "250000.00",
  "totalCashLimit": "50000.00",
  "unbilledOutstandingAmount": "42310.50",
  "totalAmountDue": "18500.00",
  "minimumAmout": "925.00",
  "paymentDueDate": "2026-11-05",
  "statementDate": "2026-10-15",
  "lastPaymentAmount": "15000.00",
  "lastPaymentDate": "2026-10-03",
  "rewardPointsAvailable": "12480",
  "rewardPointsExpiryDate": "2027-03-31",
  "currencyCode": "INR"
}

余额查询

POST /v1/cards/balance openbanking

非缓存查询可用信用/取现额度、当前与未出账单余额、最低应还与封锁码。

认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。

cardNo
isCache
account
availableCreditLimit
availableCashLimit
currentBalance
unbilledOutstandingAmount
minimumAmountDue
pmtTotAmtDue
datePmtDue
cardStatus
cardBlockCode
overLimitAmount
isOverLimit
lastPaymentAmount
lastPaymentDate
mobileNo

POST /v1/cards/balance HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "cardNo": "<encrypted-card-number>",
  "isCache": false
}

{
  "account": "CC44190821",
  "availableCreditLimit": "187500.00",
  "availableCashLimit": "25000.00",
  "currentBalance": "62500.00",
  "unbilledOutstandingAmount": "42310.50",
  "minimumAmountDue": "925.00",
  "pmtTotAmtDue": "18500.00",
  "datePmtDue": "2026-11-05",
  "cardStatus": "A",
  "cardBlockCode": "",
  "overLimitAmount": "0.00",
  "isOverLimit": "N",
  "lastPaymentAmount": "15000.00",
  "lastPaymentDate": "2026-10-03",
  "mobileNo": "98XXXX3210"
}

卡片交易流水

POST /v1/cards/transactions/search openbanking

分页返回未出账与已出账消费，含商户摘要、金额、入账日与是否可转分期。

认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。

cardNo
fromDate
toDate
numTransactions
txnType
allWithEMIOption
cARDNBR
amount
currencyCode
narrative
postingDate
recordDate
transactionType
rEFNBR
hasEMIOption
hasBonusRewards
moreInd

POST /v1/cards/transactions/search HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "cardNo": "<encrypted-card-number>",
  "txnType": "<encrypted-type>",
  "allWithEMIOption": "N",
  "fromDate": "2026-07-01",
  "toDate": "2026-10-20",
  "numTransactions": "20"
}

{
  "numTransactions": "1",
  "moreInd": "N",
  "transactions": [
    {
      "cARDNBR": "5241********9012",
      "amount": "2499.00",
      "currencyCode": "INR",
      "narrative": "SWIGGY BANGALORE",
      "postingDate": "2026-10-18",
      "recordDate": "2026-10-18",
      "transactionType": "D",
      "rEFNBR": "REF882190",
      "hasEMIOption": "Y",
      "hasBonusRewards": "N"
    }
  ]
}

迷你账单

POST /v1/cards/statements/mini openbanking

返回账期迷你账单：当前余额、总应还/最低应还、逾期、借贷合计与封锁码。

认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。

Account
Type
Date
aCCOUNTNUMBER
cURRENTBALANCE
mINIMUMPAYMENTDUE
tOTALDUEAMOUNT
pASTDUEAMOUNT
sTATEMENTDATE
lASTSTATEMENTDATE
pAYMENTDATE
tOTALDEBITAMOUNT
tOTALCRAMOUNT
tOTALNUMBEROFDEBITS
tOTALNUMBEROFCRS
bLOCKCODE1
bLOCKCODE2

POST /v1/cards/statements/mini HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "Account": "<encrypted-account>",
  "Type": "<encrypted-type>",
  "Date": "<encrypted-date>"
}

{
  "Result": [
    {
      "aCCOUNTNUMBER": "CC44190821",
      "cURRENTBALANCE": "62500.00",
      "mINIMUMPAYMENTDUE": "925.00",
      "tOTALDUEAMOUNT": "18500.00",
      "pASTDUEAMOUNT": "0.00",
      "sTATEMENTDATE": "2026-10-15",
      "lASTSTATEMENTDATE": "2026-09-15",
      "pAYMENTDATE": "2026-11-05",
      "tOTALDEBITAMOUNT": "42310.50",
      "tOTALCRAMOUNT": "15000.00",
      "tOTALNUMBEROFDEBITS": "18",
      "tOTALNUMBEROFCRS": "2",
      "bLOCKCODE1": "",
      "bLOCKCODE2": ""
    }
  ]
}

读取 CVV 与有效期
POST /v1/cards/credentials openbanking
返回加密 CVV 与卡片有效期月/年，供数字卡/显示 CVV 界面使用。
认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。
- CardNumber
- cVV
- expiryMonth
- expiryYear
```
POST /v1/cards/credentials HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "CardNumber": "<encrypted-card-number>"
}
```
```
{
  "cVV": "<encrypted-cvv>",
  "cardExpiry": {
    "expiryMonth": "08",
    "expiryYear": "28"
  }
}
```

持卡人资料

POST /v1/holders/profile osint

返回持卡人 KYC 级资料：姓名、PAN、手机、邮箱、地址与雇主，供资料页使用。

认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。

CardNumber
customerNumber
customerName
customerTitle
gender
dateofBirth
pAN
customerMobileNumber
customerEmailID
customerAddress
customerCity
customerState
customerPincode
employer
nationality

POST /v1/holders/profile HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "CardNumber": "<encrypted-card-number>"
}

{
  "customerNumber": "CIF882190",
  "customerName": "ANITA SHARMA",
  "customerTitle": "MS",
  "gender": "F",
  "dateofBirth": "1988-03-14",
  "pAN": "ABCDE1234F",
  "customerMobileNumber": "98XXXX3210",
  "customerEmailID": "[email protected]",
  "customerAddress": "12 MG Road",
  "customerCity": "Mumbai",
  "customerState": "MH",
  "customerPincode": "400001",
  "employer": "ACME INDIA PVT LTD",
  "nationality": "IN"
}

积分汇总
POST /v1/rewards/summary openfinance
汇总忠诚积分：期初/当前余额、本期赚取/调整/发放、可兑积分与即将过期积分。
认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。
- Account
- aCCTNO
- bALTOTAL
- bEGBALANCE
- cTDEARNED
- cTDADJ
- cTDDISB
- redeemablePoints
- pTSTOEXPIRE
- eXPIRYDATE
- mONTH
```
POST /v1/rewards/summary HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "Account": "<encrypted-account>"
}
```
```
{
  "aCCTNO": "CC44190821",
  "bALTOTAL": "12480",
  "bEGBALANCE": "11000",
  "cTDEARNED": "2100",
  "cTDADJ": "0",
  "cTDDISB": "620",
  "redeemablePoints": "12480",
  "pTSTOEXPIRE": "800",
  "eXPIRYDATE": "2027-03-31",
  "mONTH": "202610"
}
```
卡片开关
POST /v1/cards/controls/power openbanking
在卡片控制页开关实体卡，并回显结果状态。
认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。
- CardNo
- ChannelId
- Status
- status
```
POST /v1/cards/controls/power HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "CardNo": "<encrypted-card-number>",
  "ChannelId": "MYCARD",
  "Status": "OFF"
}
```
```
{
  "status": "OFF"
}
```
设置境外交易开关
POST /v1/cards/controls/international openbanking
开启或关闭卡片的境外交易，并返回 international 标志。
认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。
- intstatus
- cardNo
- international
- status
```
POST /v1/cards/controls/international HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "intstatus": "Y",
  "cardNo": "<encrypted-card-number>"
}
```
```
{
  "cardNo": "5241********9012",
  "international": "Y",
  "status": "SUCCESS"
}
```
校验 UPI VPA
POST /v1/upi/addresses/resolve openfinance
在用卡发起 collect 或 intent 缴款前，把 UPI VPA 解析为登记姓名。
认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名，另在请求体里带 UPI 会话令牌。
- CardNumber
- refId
- orgTxnId
- id
- Token
- VPA
- vPA
- vPAName
```
POST /v1/upi/addresses/resolve HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "CardNumber": "<encrypted-card-number>",
  "refId": "REF-UPI-10021",
  "orgTxnId": "",
  "id": "id_4419",
  "Token": "<upi-token>",
  "VPA": "anita@okaxis"
}
```
```
{
  "vPA": "anita@okaxis",
  "vPAName": "ANITA SHARMA"
}
```

UPI 收款请求

POST /v1/upi/collect-requests openfinance

针对信用卡账单发起 UPI collect，持卡人可在任意 UPI 应用中完成还款。

认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名，另在请求体里带 UPI 会话令牌。

CardNumber
refId
orgTxnId
txnId
id
Token
payeraddr
payername
amount
addr
name

POST /v1/upi/collect-requests HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "CardNumber": "<encrypted-card-number>",
  "refId": "REF-UPI-10021",
  "orgTxnId": "",
  "txnId": "TXN882190",
  "id": "id_4419",
  "Token": "<upi-token>",
  "payer": {
    "addr": "anita@okaxis",
    "name": "ANITA SHARMA",
    "amount": "18500.00"
  },
  "payee": {
    "addr": "cardbills@rbl",
    "name": "RBL BANK CC"
  }
}

{
  "txnId": "TXN882190"
}

借记账户向卡还款

POST /v1/repayments/debit-account openbanking

OTP 之后从关联的 RBL 借记账户向信用卡偿还全额、最低额或自定义金额。

认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名，借记扣款还需在请求体里带一次性验证码（OTP）。

uniqueRequestNo
customerID
cardNo
totalDue
minimumDue
amountValue
debitAccountID
otpKey
otpValue
uniqueResponseNo
paidAmount

POST /v1/repayments/debit-account HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "uniqueRequestNo": "PTC-10021",
  "customerID": "<encrypted-customer-id>",
  "cardNo": "<encrypted-card-number>",
  "totalDue": "18500.00",
  "minimumDue": "925.00",
  "amountValue": "18500.00",
  "debitAccountID": "<encrypted-account>",
  "otpKey": "OTPKEY8821",
  "otpValue": "<encrypted-otp>"
}

{
  "uniqueResponseNo": "PTC-RESP-8821",
  "paidAmount": "18500.00",
  "otpKey": "OTPKEY8821"
}

还款历史

POST /v1/repayments/history openbanking

列出已入账的账单还款：金额、方式（UPI/借记/支票）、状态与摘要，供还款历史页使用。

认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。

CardNumber
FromDate
ToDate
transactionDate
postingDate
billingAmount
sourceTxnAmount
currencyCode
modeOfPay
paymentStatus
paymentType
transactionType
transactionCode
transactionNarration
bankName
chequeNo

POST /v1/repayments/history HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "CardNumber": "<encrypted-card-number>",
  "FromDate": "2026-07-01",
  "ToDate": "2026-10-20"
}

{
  "Result": [
    {
      "transactionDate": "2026-10-03",
      "postingDate": "2026-10-03",
      "billingAmount": "15000.00",
      "sourceTxnAmount": "15000.00",
      "currencyCode": "INR",
      "modeOfPay": "UPI",
      "paymentStatus": "SUCCESS",
      "paymentType": "TOTAL_DUE",
      "transactionType": "C",
      "transactionCode": "PYMT",
      "transactionNarration": "UPI/RBLCC/ANITA",
      "bankName": "RBL BANK",
      "chequeNo": ""
    }
  ]
}

关联借记账户

POST /v1/accounts/debit/list openbanking

列出持卡人可用于向卡还款的 RBL 借记/储蓄账户，含余额与开户行。

认证方式： PIN 登录签发的会话令牌，以 Authorization: Bearer <session-token> 发送；请求体同时带有报文体哈希签名。

customerID
password
numAccounts
accountNo
accountType
accountBalance
clearBalance
accountCurrency
accountBranchName
accountBranchCity

POST /v1/accounts/debit/list HTTP/1.1
Authorization: Bearer <session-token>
Content-Type: application/json

{
  "customerID": "<encrypted-customer-id>",
  "password": "<encrypted-password>",
  "numAccounts": "10"
}

{
  "numAccounts": "2",
  "accounts": [
    {
      "accountNo": "309********3210",
      "accountType": "SAVINGS",
      "accountBalance": "84210.55",
      "clearBalance": "84210.55",
      "accountCurrency": "INR",
      "accountBranchName": "NARIMAN POINT",
      "accountBranchCity": "MUMBAI"
    }
  ]
}

数据类别

余额
交易
卡片控制
客户资料
积分
UPI 支付
关联账户

数据使用场景与案例

夜间信用额度对账
催收或资金岗位按卡拉取 availableCreditLimit、unbilledOutstandingAmount、minimumAmountDue 与 datePmtDue，再对照还款历史的 billingAmount、modeOfPay，让逾期分桶与发卡账本保持一致。
带分期标记的消费分析
理财或发卡分析流分页读取交易的 narrative、amount、postingDate、hasEMIOption，并叠上迷你账单的 tOTALDEBITAMOUNT / tOTALCRAMOUNT，给可转分期商户打标。
UPI 账单还款确认
支付编排先通过 VPA 查询校验 vPAName，再发起带 payer amount 的 UPI 收款；持卡人若走行内结算，则回退到向卡还款的 paidAmount 与关联借记 accountNo。
卡片控制与 KYC 刷新
客服读取 customerName、pAN、customerMobileNumber，在挂失或出行时下发卡片开关 Status 与境外交易 intstatus，无需网点工单。

常见问题

RBL MyCard 如何鉴权持卡人？

登录从设备绑定的 mPIN 开始：应用发送 DeviceID 与加密 MPIN，换回会话令牌（SessionId）。之后每次卡片调用都以 Bearer 凭证携带该令牌，并对请求体做哈希签名，因此余额、账单与卡片控制只在有效会话内响应。

哪些字段覆盖额度与应还？

首页汇总与余额查询返回 availableCreditLimit、availableCashLimit、unbilledOutstandingAmount、minimumAmountDue / minimumAmout、pmtTotAmtDue / totalAmountDue、datePmtDue / paymentDueDate 与 cardStatus。迷你账单再加 tOTALDUEAMOUNT 与 pASTDUEAMOUNT。

除了余额，能否列出消费和还款？

可以。交易检索分页返回消费的 narrative、amount、postingDate、rEFNBR 与 hasEMIOption；还款历史列出已入账还款的 billingAmount、modeOfPay、paymentStatus 与 transactionNarration。

UPI 信用卡还款如何表示？

地址查询把 VPA 解析成 vPAName；收款请求带 payer amount 发起支付并返回 txnId。借记账户还款则可从关联账户列表（accountNo、accountBalance）扣款，返回 paidAmount。

与 RBL MyCard 相似的应用

SBI Card — SBI Card 是印度国家银行集团的信用卡发卡方，官网把手机应用列为还款渠道，持卡人可缴欠款、查看账单、管理 PIN、办理 Flexipay 分期并挂失。
PayZapp — PayZapp 是 HDFC 银行的 UPI 支付应用，用来缴水电费、充值和房租，也可还信用卡账单。
HDFC Bank MyCards — HDFC Bank MyCards 是该行管理信用卡、设置卡片开关的数字渠道。
Axis Mobile — Axis Mobile（open by Axis Bank）是 Axis Bank 的官方手机银行，宣传可办理 250 多项银行业务，并提供信用卡登录。
iMobile — ICICI 银行用 iMobile 让持卡人申请即时信用卡，并开通卡片的境外交易。
CRED — CRED 是面向会员的印度应用，提供信用卡还款提醒和消费洞察，也可用信用额度做 UPI 支付。
Kotak Mobile Banking — 科塔克马恒达银行的手机银行可进入信用卡服务申请，挂失或报损卡片并启动换卡。

需要集成这个 App 的数据 API？

我们可为任意指定 App 交付定制集成——源码交付 USD 500 起，或托管 API 按调用计费。告诉我们您需要的数据即可。

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3–7 天交付
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RBL MyCard 信用卡数据 API

应用截图

API 端点一览

校验 mPIN 会话

首页卡片信息

余额查询

卡片交易流水

迷你账单

读取 CVV 与有效期

持卡人资料

积分汇总

卡片开关

设置境外交易开关

校验 UPI VPA

UPI 收款请求

借记账户向卡还款

还款历史

关联借记账户

数据类别

数据使用场景与案例

夜间信用额度对账

带分期标记的消费分析

UPI 账单还款确认

卡片控制与 KYC 刷新

常见问题

与 RBL MyCard 相似的应用

更多银行类应用

5paisa: Demat, Stocks & IPO

AndroMoney

Angel One: Stocks, Mutual Fund

Bibit- Reksadana & Obligasi

相关主题

需要集成这个 App 的数据 API？

RBL MyCard 信用卡数据 API

应用截图

API 端点一览

校验 mPIN 会话

首页卡片信息

余额查询

卡片交易流水

迷你账单

读取 CVV 与有效期

持卡人资料

积分汇总

卡片开关

设置境外交易开关

校验 UPI VPA

UPI 收款请求

借记账户向卡还款

还款历史

关联借记账户

数据类别

数据使用场景与案例

夜间信用额度对账

带分期标记的消费分析

UPI 账单还款确认

卡片控制与 KYC 刷新

常见问题

相关应用

与 RBL MyCard 相似的应用

更多银行类应用

5paisa: Demat, Stocks & IPO

AndroMoney

Angel One: Stocks, Mutual Fund

Bibit- Reksadana & Obligasi

相关主题

需要集成这个 App 的数据 API？