RBL Bank Credit Card

RBL Platinum Maxima Credit Card

Best suited for frequent travellers, this RBL Credit Card lets you explore different parts of the world while sparing a little less from your pocket. The card attracts an annual fee of Rs 2,000 and comes with the following features-

• Get 8,000 Reward Points as welcome gift within 30 days of card issuance and payment of the joining fee on time.
• Enjoy one free movie ticket per month or Rs. 200 off when booking tickets on BookMyShow.
• Avail 2 complimentary airport lounge visits per quarter.
• Earn 2 Reward Points for every Rs. 100 spent on your card.
• Accelerate your reward points 5 times when you use your card for fuel, dining, utility bill payment, entertainment and international spends.
• Get 10,000 Reward Points on spends of Rs. 2 lakh and Rs. 3.5 lakh in a year
• Redeem your reward points against a varied range of gift vouchers and merchandise. (1 Reward Point= Re. 0.25)

RBL Platinum Delight Credit Card

This RBL credit card is the perfect addition to a shopaholic’s wallet as it comes with a whole bunch of rewards and privileges. It also allows you to save a substantial amount on your fuel expenditure. Although the card attracts an annual fee of Rs. 1,000, it will be waived off if you spend Rs. 1.5 Lakh or more in a year. Let’s talk about a few important features of this credit card-

• Get 4,000 reward points on card swipe within the first 60 days of Card activation.
• Earn 2 reward points for every Rs. 100 spent on your credit card throughout all categories of expenses.
• For spending on weekends, you can earn two-times more reward points.
• Enjoy RBL Bank’s exciting reward redemption program and redeem the points against air travel, hotel stays, shopping vouchers and much more. Each reward point carries a monetary value of Re. 0.25.
• Get fuel surcharge waiver on all fuel stations across India for transactions between Rs. 500 and Rs. 4,000.

RBL Titanium Delight Credit Card

For those who love rewards, RBL Titanium Delight Card is a good option. Cardholders have to pay an annual fee of Rs. 750 which is waived off if they have reached total spending of Rs. 1 Lakh or more in the preceding year on this RBL Credit Card. Here are a few features of this card-

• Welcome benefit of 2,000 reward points is credited to your credit card account within 30 days of card issuance and on payment of joining fee before the due date.
• On spending Rs. 10,000 in the first 60 days, an additional bonus of 1,000 reward points is credited.
• Get 1 ticket free or Rs.200 off per month on Wednesday on tickets booked through Bookmyshow.
• Earn 20 reward points on grocery spends made on Wednesdays or get 5% value back instantly.
• Also get 10% value back when you order pizza from Dominos or Pizza Hut on Wednesdays.
• Get fuel surcharge waiver on all fuel stations across India for transactions between Rs. 500 to Rs. 4,000.
• Earn 1 reward point for every Rs 100 spent.

Classic Rewards Card

For the frequent shoppers, it is easy to collect reward points and these credit cards by RBL Bank make reward point collection even better. Some features of Classic Rewards Cards are mentioned below-

• Earn 4 reward points on every Rs. 100 spent on your credit card.
• Earn 8 reward points for every Rs. 100 when you use your card internationally.
• This is an EMV Chip and PIN card, thus making the transactions safer than before.
• Get up to 5 add-on cards on your primary credit card.
• Card users can set differential limits on different add-on and primary card using the flexi limit facility.
• Get zero fraud liability cover when your card is lost or stolen after you have informed the customer service about card loss.

Classic Platinum Card

Shop and earn at the same time with RBL Credit Card. You will experience the real joy of shopping by adding to your reward point balance every time you swipe. Given below are a few important features of this card-

• Use your card for shopping and earn 2 reward points for every Rs. 100 spent.
• Earn two times more reward points when you use your credit card internationally.
• Redeem your reward points across travel bookings, latest gadgets and shopping products, mobile recharge, retail shopping and personalized gift vouchers.
• Avail up to 5 add-on cards on your primary credit card.
• Get fraud liability cover when your credit card is stolen or misplaced and you report the loss to the customer service.
• This credit card is globally acceptable.

Classic Shopper Card

RBL Bank offers shopper cards that let you earn reward points which can be redeemed against a whole range of gift vouchers and merchandise. Some of the features of this RBL Credit Card are-

• For every Rs. 100 spent on your credit card in India and abroad, you can earn 2 reward points.
• Accumulated reward points can be redeemed against flight tickets, retail shopping, hotel bookings, mobile recharge, gadgets and much more.
• These are chip and PIN enabled cards and provide more security.
• A One-Time Password is generated every time an online transaction takes place using the card.
• The card has flexi credit limits.

The basic eligibility criteria to apply for RBL Bank credit card are as follows:

• The minimum age of the cardholder should be 21 years and the maximum age should be 65 years
• To apply for RBL Bank credit card, the cardholder should be self-employed or salaried

When applying for RBL credit card, you will have to submit a few important documents- address proof, identity proof and income proof. The following documents are accepted-

For Address Proof-

• Aadhaar Card
• Driver’s Licence
• Passport
• Voter’s ID
• Utility Bill not more than 3 month’s old
• Ration Card
• Other government approved documents

For Identity Proof-

• Aadhaar Card
• PAN Card
• Voter’s ID
• Passport
• Driver’s Licence
• Overseas Citizen of India Card
• Other government-approved photo ID proof

For Income Proof-

• Last 3 month’s salary slips
• Latest Form 16
• Latest bank statements

While the annual fees on RBL Bank Credit Cards may vary, there are a few other fees and charges on these cards that the users must know about. The table given below shows it-

Finance charges (Retail purchases and Cash)	APR up to 3.5% p.m. (42.00% p.a.)
Cash Advance Transaction fee	2.5% (min Rs. 300) of the cash amount
Overdue Penalty / Late Payment Fee	15% of Total amount due (Min Rs. 350, Max Rs. 1000) (W.e.f Nov 1st, 2015)
Over Limit Penalty	Rs. 600
Outstation Cheque Fee	Rs. 100
Cheque Return / Dishonour Fee Auto debit Reversal-Bank Account out of funds	Rs. 100
Foreign Currency Transaction	3.50%
Duplicate Statement Fee	Rs. 100
Call-a-draft fee	2.5% (min Rs. 300) of the draft amount
Fuel Transaction Charge-for transaction made at petrol pumps to purchase fuel^	1% Surcharge on Fuel transaction value or Rs. 10, whichever is higher

Note: All the above Charges are subject to change under various marketing programs. The Card member will be informed about these Changes.

All charges mentioned above incur Goods and Services Tax @ 18%.

RBL Bank understands the diversity of needs when it comes to the usage of credit cards. The bank offers a variety of credit card that accommodates all the financial essentials. Here is step wise step guide of applying for RBL Bank credit card:

Step 1- Click here to start with your credit card application.
Step 2-  You have to fill the basic information like address, date of birth, name etc.
Step 3- According to your eligibility, there will be a list of financial institutions offering credit card best suited for you.
Step 4- You can select the bank according to your financial situation and accordingly apply with the same. The bank will do a background check and then once your application is approved from their end, the card will be dispatched and delivered to you within 7-10 working days.

To know the status of your credit card application, you can visit RBL Bank Application Status Portal

The window will ask for the application reference number along with your registered mobile number. The bank will then update you with the current status of your credit card. You can get the following results:

In Process – This means your credit card is under the process of reviewing by the bank

On Hold- The bank can put your credit card application on hold if there is any information that is missing or incomplete

Dispatched – Your credit card has been approved from the bank’s end and is dispatched to the mentioned address

Rejected – If you don’t meet the eligibility criteria or any discrepancy in the information may lead to rejection of your credit card

RBL Bank rewards also known as, exclusive loyalty program is initiated by the bank where the cardholders can use the credit cards, collect reward points on every transaction and redeem for different purposes. Given below are some of the cards that offer reward points:

Credit Card	Reward Points
RBL Bank Classic Rewards Card	·         Avail 4 reward points on every Rs.100 spent in India ·         Avail 8 Reward Points for every Rs.100 spent internationally
RBL Bank Classic Platinum Card	·         Avail 2 Reward Points for every Rs.100 spent in India ·         Avail 4 Reward Points for every Rs.100 spent internationally
RBL Bank Classic Shoppers Card	·         Avail 2 Reward Points for on every Rs.100 spent in India and Internationally (The earned points can be redeemed for Hotel bookings, flights, gadget shopping, mobile recharge etc.)

The credit card bill payment can be done with both online and offline methods. Some of the methods are mentioned below:

1. NEFT Facility: NEFT has simplified the process of transferring money in just a few simple steps. RBL Bank provides this facility for paying the credit card bill. For the payee account, you need to enter the credit card number along with the IFSC which in this case is RATN0CRCARD and the branch location is Goregaon, Mumbai.
2. Internet Banking: Cardholders can do the credit card bill payment via internet banking through their bank accounts.
3. Cash: Payment of RBL Bank credit card can be done by submitting cash at the nearest RBL Bank branch.
4. Payment by cheque/Demand Draft: Cardholders can do the credit card bill payment with cheque or a demand draft and drop it at the nearest RBL Bank branch

RBL Bank credit card holders can contact RBL Bank credit card customer care through call and email.

Here are the details:

RBL Bank credit card customer care toll free number: 1800 121 9050

RBL Bank credit card customer care Email ID: cardservices@rblbank.com

RBL Bank credit card customer care contact for communications through mails and couriers:

RBL Bank Ltd.
Mahavir, Shri Shahu Market Yard,
Kolhapur – 416005
Maharashtra State, India

RBL Bank credit card customer care Fax: 0231 2657386

What should be done in case the credit card is stolen or lost?

In such a case, you can contact the customer care executives of RBL Bank at 1800 121 9050. The bank executives will help you with an immediate solution.

Can RBL credit cards be used to withdraw cash from ATMs?

Yes, cash can be withdrawn from ATMs depending on the cash limit. The cash limit is mentioned on the billing statement of the credit card.

Can RBL credit card be used internationally?

Yes, the credit card can be used globally for all the transactions and purchases that one makes abroad.

What is meant by add-on credit card?

Add-on credit cards are those cards that can be used by the family members of the primary cardholder. The family members can avail the same privileges and benefits of the credit card unless specified by the bank