RBL Bank Lifetime Free Credit Card

Lifetime free credit cards do not charge an annual fee or joining fee. They are a great option for customers who just want to build credit score and make minimal purchases on it. RBL Bank provides only one lifetime free credit card called RBL Bank Insignia Preferred Banking World credit card. In order to apply for this card customer must have an invitation from the bank. Please see below for more details on RBL Lifetime Free credit card.

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RBL Lifetime Free Credit Card – Insignia Preferred Banking World Credit Card

RBL Insignia Preferred World Credit Card

Key Highlights

The top benefits that the card provides are:

Reward Scheme - 5 reward points for every Rs 100 spent domestically. 2x points on international spends.

Lounge Access - Priority Pass Membership along with 6 free lounge visits per year. 2 free domestic airport lounge visits.

Fuel Surcharge Waiver - Up to Rs. 250 p.m. on spends between Rs. 500 & Rs. 4,000.

Golf Benefits - 4 free green fee rounds & 12 free games per year. 50% off on green fees post after the sessions are over.

Hotel Offer - Discounts, late check-outs, breakfast for 2, complimentary Wi-Fi, room upgrade and more benefits are provided to customers.

Concierge Service - Helps make travel arrangements, gift delivery and much more.

Special Invite Offers - Access to exclusive events and concerts.

Dining Offers - Avail hospitality & experiences designed especially for you at select restaurants.

Accor Plus Membership - Accor Plus membership and its privileges (free stays, discount on dining, etc.) can be availed upon spending Rs. 8 lakh in a year.

Should you get this card?

RBL Insignia Preferred Banking World Credit Card is an invite-only credit card. You may apply for the card if you already are an Insignia Preferred Banking client at RBL Bank. Apply for the card if:

You frequently travel both internationally and domestically (You will be able to use the free lounge visits as well as the accelerated reward points)
You want a premium card that does not charge an annual or joining fee
You require concierge services that can make travel arrangements for you and provide business services
You want Accor Plus membership

RBL Bank Credit Cards – Annual Fee Waivers

RBL Bank makes up for the lack of lifetime free credit cards by providing many cards that give waiver on the annual fee. The details of best RBL cards are given below:

Credit Card	Annual Fee	Waiver Condition	Minimum Income Requirement*
Platinum Delight Card	Rs. 1,000	Spend Rs. 1.5 lakh in an anniversary year	Check with bank**
Titanium delight Card	Rs. 750	Spend Rs. 1 lakh in an anniversary year	Check with bank**
RBL Shoprite Card	Rs. 500	Spend Rs. 1 lakh in an anniversary year	Rs.25,000 p.m.
Edition Credit Card	Rs. 3,000	Spend Rs. 2.5 lakh in an anniversary year	Check with bank**

* The minimum income mentioned is for salaried applicants. The requirement may vary for self-employed individuals.
** Income eligibility for these cards is shared by the bank at the time of application. Please contact bank officials for the same.

RBL Bank Platinum Delight Credit Card

RBL Platinum Delight Credit Card

Key Highlights

Reward Points - 4,000 reward points upon payment of joining fee and using the card within the first 30 days.

Reward Points - 2 Reward Points for every Rs. 100 spent on any purchase.

Accelerated Reward Points - 4 Reward Points for every Rs.100 spent during the weekends.

Bonus Reward Points - Make 5 transactions of at least Rs. 1,000 each to earn 1,000 Bonus Points every month.

RBL Bank Titanium Delight Credit Card

RBL Titanium Delight Credit Card

Key Highlights

Welcome Benefits - 2,000 reward points, additional, 1,000 points on spending Rs. 10,000 within first 60 days.

Reward Points - 1 reward point per Rs. 100 spent on travel, groceries, dining and electricity bill payment.

Annual Spend Benefit - Spend Rs. 1.2 lakh or more in a year to get 4,000 bonus points.

Movie Benefit - Buy 1 Get 1 free ticket on Wednesday’s of each month. Maximum discount is Rs. 200, the ticket must be booked through BookMyShow.

Accelerated Reward Points - 40 Reward Points per Rs. 100 spent on pizzas ordered on Wednesdays from Dominos/Pizza Hut. 20 Reward points for every Rs. 100 spent on groceries on Wednesdays. Maximum Reward points that can be earned in a month per category are 1,000.

Convenience Fee Waiver - Fuel surcharge waiver of up to Rs. 100 p.m. on spends between Rs. 500 & Rs. 4,000.

RBL Bank Shoprite Credit Card

RBL Shoprite Credit Card

Welcome Benefit - 2,000 reward points.

Reward Points - 1 reward point per Rs.100 spent excluding fuel expenses.

Accelerated Reward Points - 20x Points on grocery spends. 10x Points on fuel spends. Max. 1,000 points per month on each category

Movie Discount - 10% off, up to Rs.100, on movie tickets booked via BookMyShow.

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RBL Bank Edition Credit Card

Key Highlights

Cashback - Cashback is provided in the form of Edition cash which can be used on Zomato App only. 1 Edition Cash is = Re. 1. Earn rate is:

1 Edition Cash per Rs. 100 spent
2x Cash on online spends
10x Cash on dining

Annual Spend Benefits - The benefits are:

Spent Amount in a year	Benefit
Rs. 5 lakh	2,000 Edition Cash
Rs. 2.5 lakh	Annual Fee (Rs. 3,000) waiver

Zomato Benefit - Free Zomato Gold Membership in India and overseas.

Movie Offer - Buy 1 Get 1 Free movie tickets bought from BMS every month. Maximum discount offered is Rs. 200.

Lounge Access - 2 free domestic airport lounge visits every calendar quarter. Free Priority Pass membership with 2 free accesses per year.

Foreign currency mark-up Fee - Only 1.50%.

Explore Other Banks’ Lifetime Free Credit Card Offers

HDFC Bank Lifetime Free Credit Card	Axis Bank Lifetime Free Credit Card	YES Bank Lifetime Free Credit Card
BOBCard Lifetime Free Credit Card	ICICI Bank Lifetime Free Credit Card	SBI Lifetime Free 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

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 constitutes an Anniversary year?

A full year from the date of receiving the card by the customer is called as anniversary year. For example, if you received your card on 15 January 2020 then you will have completed a one full year by 15 January 2021.

Will I have to ask for annual fee waiver separately after spending the required amount of money?

No, RBL bank will automatically waive of the annual fee once you spend the required amount.

I upgrade my RBL Bank credit card to Insignia Preferred Banking World Credit Card, will I get a refund on the annual fee paid for the previous card?

It is at the discretion of RBL Bank whether they will refund you the money for the previous credit card. However, you may contact them and ask for a refund. You can call on the RBL credit card customer care number +91 22 6232 7777 or send an email at cardservices@rblbank.com.