RBL Bank credit cards have an exclusive best-in-class programme. It comes with great offers on shopping and balance transfer facility. Each RBL credit card offers rewards across various categories including shopping, fuel, entertainment and movies.
Best RBL Bank Credit Cards In India
| RBL Credit Cards | Annual Fee (in Rs.) | Renewal Fee (in Rs.) | Welcome Gift |
| RBL Platinum Maxima Card | 2,000 | 2,000 | Get 8000 reward points on your first transaction within 30 days of card issuance |
| RBL Platinum Delight Credit Card | 1,000 | 1,000 (Waived off on spends of Rs.1.5 lakh or more in a year) | Get 4,000 reward points on card swipe within first 60 days of Card issuance |
| RBL Titanium Delight Card | 750 | 750 (Waived off on spends of Rs.1 lakh or more in a year) | Get 2000 reward points on your first transaction within 30 days of card issuance |
RBL Bank Credit Card - Features and Benefits
Some of the features of top RBL Bank credit cards are mentioned below:
RBL Platinum Maxima Credit Card
Best suited for: Rewards Movies Lounge Access
Best suited for frequent travellers, RBL Platinum Maxima 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 a range of exciting features. Read More
Key Highlights
Welcome Gift – Get 8,000 Reward Points as welcome gift within 30 days of card issuance and payment of the joining fee on time.
Reward Points – 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.
Movie Benefits – Enjoy one free movie ticket per month or Rs.200 off when booking tickets on BookMyShow.
Travel Benefits – Avail 2 complimentary airport lounge visits per quarter.
FAQs
What are the identity proofs required to apply for RBL Bank Platinum Maxima credit card?
The identity proofs required to apply for RBL Bank Platinum Maxima credit card are:
- Aadhaar Card
- Any one of the following photo cards:
- Passport
- PAN card
- Voter ID card
- Government ID
What is Goods and Services Tax (GST)?
Goods and Services Tax (GST) is an indirect tax (or consumption tax) imposed in India on the supply of goods and services.
Is RBL Bank Platinum Maxima credit card internationally acceptable?
Yes, RBL Bank Platinum Maxima credit card is internationally acceptable.
RBL Platinum Delight Credit Card
Best suited for: Shopping Fuel Rewards
RBL Platinum Delight 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. Read More
Key Highlights
Reward Points – Get 4,000 reward points on card swipe within the first 60 days of Card activation and you can also earn 2 reward points for every Rs.100 spent on your credit card throughout all categories of expenses.
Reward Redemption Program – 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.
Convenience Fee Waiver – Get fuel surcharge waiver on all fuel stations across India for transactions between Rs.500 and Rs.4,000.
FAQs
What is the annual fee second year onwards of RBL Bank Platinum Delight credit card?
The annual fee second year onwards is waived on crossing spends of Rs. 1.5 lakh in the previous year.
Where can I avail the waiver of fuel surcharge?
Fuel surcharge can be waived off at any petrol pump in India.
What is Goods and Services Tax (GST)?
Goods and Services Tax (GST) is an indirect tax (or consumption tax) imposed in India on the supply of goods and services.
RBL Titanium Delight Credit Card
Best suited for: Movies Rewards Fuel
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. Read More
Key Highlights
Welcome Benefits – 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.
Reward Points – Additional Bonus Reward Points of 1,000 on spending Rs.10,000 in the first 60 days. Earn 1 reward point for every Rs 100 spent.
Movie Benefits – Get 1 ticket free or Rs.200 off per month on Wednesday on tickets booked through Bookmyshow.
Value Back – Also get 10% value back when you order pizza from Dominos or Pizza Hut on Wednesdays.
Convenience Fee Waiver – Get fuel surcharge waiver on all fuel stations across India for transactions between Rs.500 to Rs.4,000.
FAQs
What is the value of welcome benefit of 3,000 reward points?
3,000 reward points hold the value of Rs. 750.
When can I avail BookMyShow movie offer?
The BookMyShow movie offer can be availed only once in a month on any Wednesday.
Where can I avail the waiver of fuel surcharge?
Fuel surcharge can be waived off at any petrol pump in India.
Other RBL Bank Credit Cards
Classic Rewards Card
For 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
Cardholders can shop and earn at the same time with this RBL Credit Card. The card offers reward point balance every time one swipes this card. 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.
Eligibility Criteria and Documents Required for RBL Bank Credit Card
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
RBL Bank Credit Card Fees and Charges
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 cardmember will be informed about these Changes.
All charges mentioned above incur Goods and Services Tax @ 18%.
How to Apply for RBL Bank Credit Card
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.
How to check RBL Bank Credit Card Application Status?
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 Credit Card Rewards Programme
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.) |
RBL Bank Credit Card Bill Payment
The credit card bill payment can be done with both online and offline methods. Some of the methods are mentioned below:
- 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.
- Internet Banking: Cardholders can do the credit card bill payment via internet banking through their bank accounts.
- Cash: Payment of RBL Bank credit card can be done by submitting cash at the nearest RBL Bank branch.
- 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 Customer Care
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
RBL Bank Credit Card FAQs
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.
News: RBL Credit Cards
RBL Partners with Practo to Launch the First Healthcare Credit Card
13-08-2019: RBL Bank has partnered with Practo, a digital healthcare platform, to launch the RBL Bank Practo Plus credit card. This co-branded credit card is will be available on both platforms (mobile and website) of RBL Bank and Practo. Cardholders will get unlimited online consultation with doctors 24×7 free for 1 year. Also, cardholders get the option of one free full body check-up.
On spend of every Rs. 100, the cardholder gets 1 HealthCash (1 HealthCash= 1 Rupee) which can be used to avail discounts when ordering medicines, tests or consultations through Practo. The annual fee of this card is Rs. 2000. Cardholders will also get 2 complimentary Domestic airport lounge access every quarter.
