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RBL Credit Card Against FD

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Cashback

1% cashback on all eligible purchases's Icon1% cashback on all eligible purchases

Borrow a portion of your limit as Xpress Cash's IconBorrow a portion of your limit as Xpress Cash

Lifetime free card with no annual fee's IconLifetime free card with no annual fee

Joining Fee IconJoining Fee: 0+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 0+ Taxes

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Rewards

Fuel

Up to 6% savings on IOCL fuel spends's IconUp to 6% savings on IOCL fuel spends

Up to 10X Fuel Points on card spends's IconUp to 10X Fuel Points on card spends

Fee waived on Rs. 1.75 lakh annual spends's IconFee waived on Rs. 1.75 lakh annual spends

Joining Fee IconJoining Fee: 500+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 500+ Taxes

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Travel

Rewards

Up to 2.5% savings on IRCTC spends's IconUp to 2.5% savings on IRCTC spends

Up to 2,000 bonus reward points per year's IconUp to 2,000 bonus reward points per year

Up to 8 railway lounge visits per year's IconUp to 8 railway lounge visits per year

Joining Fee IconJoining Fee: 500+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 500+ Taxes

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Movies

Low annual fee of Rs. 500's IconLow annual fee of Rs. 500

Up to 2 free movie tickets per month's IconUp to 2 free movie tickets per month

Up to Rs. 100 off on F&B orders's IconUp to Rs. 100 off on F&B orders

Joining Fee IconJoining Fee: 500+ Taxes

Joining Fee Icon

Renewal Fee IconAnnual/Renewal Fee: 500+ Taxes

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Additionally, consumers who are looking for decent benefits at a low annual fee can consider the entry-level credit cards offered by RBL Bank, which are designed to suit varying individual needs.

Features & Benefits of RBL Credit Cards Against FD

Below mentioned are the features and benefits of RBL Credit Cards against FD along with their joining and annual fees:

1. RBL Bank Paisabazaar Duet Credit Card

Joining Fee: Nil
Annual Fee: Nil

RBL Bank Paisabazaar Duet is a co-branded credit card that works as both a credit card and Xpress Cash. With Xpress Cash, cardholders can borrow and transfer a portion of their credit limit directly into their bank account as an instant loan. In addition to this, the card offers a flat 1% cashback on every spend. This cashback credit card is a suitable option for building credit while earning rewards on everyday expenses. Given below are some of the key features and benefits of this credit card.

  • 1% cashback on all card purchases, such as shopping, travelling, entertainment, etc.
  • Cardholders can earn cashback worth up to Rs. 500 per month
  • Access to Xpress Cash facility

2. IndianOil RBL Credit Card

Joining Fee: Rs. 500 + Applicable Taxes
Annual Fee: Rs. 500 + Applicable Taxes

IndianOil RBL is a fuel credit card designed for consumers who prefer to refuel at IndianOil fuel stations. This card offers up to 6% value-back on IOCL fuel spends, along with other basic perks such as an annual fee waiver, welcome benefits, fuel surcharge waiver, and more. Consumers looking for an entry-level card with relaxed eligibility and accelerated savings on fuel can opt for this card. Some of the major benefits offered by this card are as follows:

  • 10 Fuel Points on every Rs. 100 spent at IOCL
  • 1 Fuel Point on every Rs. 100 spent on other categories
  • 1,000 Fuel Points on making the first card spend worth at least Rs. 500 within 30 days of card issuance
  • Annual fee waived off on spending Rs. 1.75 lakh in a year
  • 1% fuel surcharge waiver, up to Rs. 100 per month, on fuel purchases worth Rs. 500 to Rs. 4,000

3. IRCTC RBL Bank Credit Card

Joining Fee: Rs. 500 + Applicable Taxes
Annual Fee: Rs. 500 + Applicable Taxes

IRCTC RBL Bank Credit Card is a travel-focused credit card designed for frequent domestic travellers who prefer to travel by train. The card offers up to 5X rewards on IRCTC train ticket bookings, along with accelerated savings on other categories, including travel and FASTag recharges. Cardholders can opt for this low annual fee credit card to avail basic benefits on travel and everyday spends. Some of the key features and benefits of this credit card are mentioned below:

  • 5X reward points on train ticket bookings made on IRCTC website or mobile app
  • 3X reward points on FASTag recharge made through RBL Bank digital channels, NCMC reload or UTS app
  • 2X reward points on flight and hotel bookings made on IRCTC website or mobile app
  • 1 reward point per Rs. 200 spent on other categories
  • 500 reward points on making a spend worth above Rs. 500 within 30 days of card issuance
  • 500 reward points on reaching quarterly spends of Rs. 75,000
  • Up to 8 visits every year to IRCTC Executive lounges at select railway stations

4. RBL Bank Play Credit Card

Joining Fee: Rs. 500 + Applicable Taxes
Annual Fee: Rs. 500 + Applicable Taxes

RBL Bank Play Credit Card is an entertainment-focused credit card offering benefits on movies and food & beverages. With this card, cardholders can earn free movie tickets and save significantly on their spends. Additionally, it offers discounts on food & beverages and tickets booked through BookMyShow. This credit card is a suitable option for consumers who frequently attend events, visit theatres, or participate in activities via BookMyShow. Given below are some of the benefits of this card:

  • Discount worth Rs. 500 on BookMyShow app/website for movies, streams, events, plays, and sports activities ticket bookings
  • Monthly discount of Rs. 500 each billing cycle on BookMyShow on spending Rs. 5,000 in a month
  • Discounts on food & beverages of Rs. 100 per month, on booking minimum two movie tickets every month on BookMyShow
  • Annual fee waiver off on spending Rs. 1.5 Lakh in the previous year

RBL Credit Cards Against FD: Eligibility Criteria

Given below is common eligibility criteria to apply for a RBL Credit Card against FD are given below:

  • Resident: Indian
  • Minimum Age: 18 years
  • Income Proof: Not required
  • Credit Score: Not required
  • Minimum Fixed Deposit (FD) Amount: Varies from card to card

How to Apply for RBL Credit Cards Against FD

To apply for RBL secured credit cards, follow the below-mentioned steps:

Step 1: Open a Fixed Deposit with RBL. The FD amount will decide your credit limit.

Step 2: Fill out the application form for a RBL Credit Card against FD.

Step 3: Complete KYC by submitting identity, address proof, and FD details.

Step 4: After verification, the bank approves the request and issues your FD-backed credit card.

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

What are RBL Secured Credit Cards?

RBL Secured Credit Cards are issued against a fixed deposit opened with RBL Bank. The FD amount determines the card’s credit limit. These cards are ideal for individuals with no credit history or low credit scores.

Who should apply for an RBL Credit Card against FD?

These cards are suitable for first-time credit card users, students, homemakers, or individuals with limited or no credit history. They also help users build or improve their credit score with responsible usage.

Is income proof required for RBL Secured Credit Cards?

No, income proof is not required to apply for RBL Credit Cards against FD. Since the card is backed by a fixed deposit, eligibility is based on the FD amount rather than income or employment status.

How is the credit limit decided for RBL Secured Credit Cards?

The credit limit is generally a percentage of the fixed deposit amount placed with the bank. The exact limit may vary depending on the specific card variant and bank policies.

Are there any rewards or benefits on RBL Secured Credit Cards?

Yes, RBL Secured Credit Cards offer benefits such as cashback, reward points, fuel savings, travel perks, and entertainment discounts, depending on the card variant chosen.

How long does it take to get an RBL Secured Credit Card approved?

The approval is usually quick once the fixed deposit is opened and KYC is completed. After verification, the card is typically issued within a few working days.

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