About RBL Bank
RBL Bank formerly known as Ratnakar Bank Limited started off as a regional bank in the year 1943 in Maharashtra. Initially, it had only two branches at Kolhapur and Sangli. It mainly catered to the SME Sector. In the year 1959, it was recognised as a scheduled commercial bank as per the RBI Act 1934. In the year 1979 RBI issued banking licence to RBL Bank. In the year 2014, the bank was renamed as RBL Bank Limited.
The bank has 342 branches and 488 ATMs across the country. It offers various services in the areas of corporate, retail, agricultural, financial and institutional banking. Credit Card is one such product that has gained popularity over a period of time due to its vast category to suit the requirement of all sectors of the categories of customers.
Table of RBL Bank Credit Card Contents
RBL Bank Credit Cards
RBL Bank has a wide range of credit cards to suit the vast customer base of the bank. The card is associated with a host of special offers like reward points on shopping/travel, cash back offers and many more benefits. You can choose from the wide range of credit cards, the benefits and features of which are explained herewith.
Name of the Credit Card | First Year Fee | Rewards |
500 |
2 reward points on spending every 100 online |
|
50 |
2 reward points for spending every 100 on all online purchases |
|
RBL Bank Titanium Delight Card |
750 |
4,000 bonus points for spends above 1.20 Lakhs in a year. |
500 |
20 reward points for spending every 100 on groceries. |
The following are the range of credit cards offered by RBL Bank:
- Insignia Preferred Banking World Card
- Platinum Maxima Card
- IGU NHS Golf World Card
- Platinum Delight Card
- Titanium Delight Card
- Classic Platinum Card
- Movies and More Card
- MoneyTap Card
- RBL Bank Icon Card
- RBL Bank Fun+ Credit Card
- Platinum Edge SuperCard
- Platinum Prime SuperCard
- Platinum Max SuperCard
- Platinum Classic SuperCard
- World Prime SuperCard
- World Max SuperCard
- Blockbuster Credit Card
- MoneyTap Black Card
- MoCash Credit Card
- Shoprite Credit Card
- Platinum Choice SuperCard
- Platinum Plus SuperCard
- World Plus SuperCard
- RBL Bank ETMONEY LoanPass
- Corporate Cards
- RBL Bank Paisa On Demand
- Platinum Advantage SuperCard
- RBL Bank Cookies Credit Card
- Doctors SuperCard
- RBL Bank Popcorn Credit Card
- RBL Bank Monthly Treats Credit Card
- World Safari Credit Card
- Edition Credit Card
- Edition Classic Credit Card
- Practo Plus Credit Card
- RBL Bank vCard
- Platinum LifeEasy SuperCard
- CA SuperCard
- Platinum Bonus SuperCard
- Platinum ShopSmart SuperCard
- Platinum TravelEasy SuperCard
- Platinum ValuePlus SuperCard
Features of RBL Credit Cards
The main features of the RBL Credit Card are:
- RBL cards have a PIN-based EMV chip which enhances the security feature which protects against fraudulent transactions.
- With the chip, the payment mechanism is safer and reduces the chances of personal data being copied, skimming etc.
- It is mandatory to use a PIN i.e. Personal Identification Number to authorise the transactions.
- Online transactions are made safer with the validation of the transactions with an OTP ( one- time password).
- OTP is sent to the registered mobile number.
- With Flexi limit facility, regulating your card limit and the add-on card limit is just a call away.
- Information regarding payment receipt, important card transactions made on the credit card, due date for card payment etc. vide SMS to the registered mobile number.
- RBL credit cards are accepted at major establishments across the globe.
- Purchases can be made in any currency and paid back in Indian Rupees.
- Online access to your credit card account is available. You can view both the billed and unbilled transactions and also can view the available limit in the card.
- ATM that displays a Cirrus/Maestro/Master card sign can be accessed in India or abroad.
- There is a zero- fraud liability cover for the transactions made on your lost or stolen card after informing the customer care about the loss/theft.
- Up to 5 add-on cards will be issued.
Benefits of RBL Bank Credit Card
The following benefits can be availed with RBL Bank Credit Card:
- Split n Pay facility: Under this facility, you can convert heavy purchases into EMI and pay in easy instalments. The repayment option will be 3, 6 and 12 months. This EMI facility will be available at a nominal rate of interest and the processing charge for this transaction will be nominal. Any RBL Credit Card holder is eligible for this facility. To avail this facility, you can call the toll-free number 1800-121-9050 or send an SMS EMI to 560701.
- Transfer n Pay facility: This facility is offered to select customers. This facility allows the transfer of balances on other bank credit cards and payment in easy instalments. The repayment option available is 3, 6 or 12 months.
- Xpress Cash facility: This facility is available for select credit cardholders. Under this facility, pre-approved cash up to the credit card limit will be available and you can utilise this whenever in need of funds and repay in easy instalments. Multiple repayment options are available which will ease the repayment. Instant cash will be available with no additional documentation.
- Cash Advance: This facility is available for select credit cardholders. The cardholder can opt for the one -month cash advance wherein a pre-approved cash advance will be available within the credit limit of the card which can be paid in easy instalments.
- Dial for Cash: This offers a pre-approved loan and the credit limit of the card will be available for usage along with the loan. The loan can be repaid in easy instalments.
- Split n Pay Plus: You have the option to convert any purchase above 3000/- into EMI and pay in easy instalments. Both billed and unbilled transactions are eligible for conversion.
Type and Detailed Features of RBL Bank Credit Cards
Features of each category of RBL Bank Credit Card are as mentioned below:
Name the Card | Features of the Card |
Insignia Preferred Banking World Card |
|
Platinum Maxima Card |
|
IGU NHS Golf World Card |
|
Platinum Delight Card |
|
Titanium Delight Card |
|
Classic Platinum Card |
|
Movies and More Card |
|
MoneyTap Card |
|
RBL Bank Icon Card |
|
RBL Bank Fun+ Credit Card |
|
Platinum Edge SuperCard |
|
Platinum Prime SuperCard |
|
Platinum Max SuperCard |
|
Platinum Classic SuperCard |
|
World Prime SuperCard |
|
World Max SuperCard |
|
Blockbuster Credit Card |
|
MoneyTap Black Card |
|
MoCash Credit Card |
|
Shoprite Credit Card |
|
Platinum Choice SuperCard |
|
Platinum Plus SuperCard |
|
World Plus SuperCard |
|
RBL Bank ETMONEY LoanPass |
|
Corporate Cards (Travel & Entertainment Card and Corporate Purchase Card) |
|
RBL Bank Paisa On Demand |
|
Platinum Advantage SuperCard |
|
RBL Bank Cookies Credit Card |
|
.Doctors SuperCard |
|
RBL Bank Popcorn Credit Card |
|
RBL Bank Monthly Treats Credit Card |
|
World Safari Credit Card |
|
Edition Credit Card |
|
Edition Classic Credit Card |
|
Practo Plus Credit Card |
|
RBL Bank vCard |
|
Platinum LifeEasy SuperCard |
|
CA SuperCard |
|
Platinum Bonus SuperCard |
|
Platinum ShopSmart SuperCard |
|
Platinum TravelEasy SuperCard |
|
Platinum ValuePlus SuperCard |
|
RBL Bank Credit Card - Reward Details
Reward details are as mentioned in the table below:
Name of the Card | Details of Rewards | Special Rewards |
Insignia Preferred Banking World Card |
|
|
Platinum Maxima Card |
|
|
IGU NHS Golf World Card |
2 reward points for every 100 spent on all purchases. |
10 reward points for every 100 spent on purchases select partners with RBL. |
Platinum Delight Card |
|
|
Titanium Delight Card |
|
|
Classic Platinum Card |
|
No special rewards |
Movies and More Card |
1 reward point for every 100 spent on all purchases except fuel. |
|
MoneyTap Card |
|
|
RBL Bank Icon Card |
2 reward points for every 100 spent on all purchase |
|
RBL Bank Fun+ Credit Card |
|
|
Platinum Edge SuperCard |
2 reward points for every 100 spent on all purchases. |
20 reward points for every 100 spent on dining on Wednesdays. |
Platinum Prime SuperCard |
2 reward points for every 100 spent on all purchases. |
|
Platinum Max SuperCard |
4,000 reward points as a welcome gift for spend of 2,000 within 60 days from the date of issuance of the card. |
|
Platinum Classic SuperCard |
|
For spend of 10,000/- a month, 1000 reward points |
World Prime SuperCard |
|
|
World Max SuperCard |
2 reward points for every 100 spent on all purchases. |
|
Blockbuster Credit Card |
|
|
MoneyTap Black Card |
2 reward points for spends on groceries, dining, entertainment, and utility bills. |
|
MoCash Credit Card |
|
1,000 bonus points for 1 Lakhs spent online, 5 times in a year. |
Shoprite Credit Card |
|
20 reward points for every 100 spent on groceries |
Platinum Choice SuperCard |
|
|
Platinum Plus SuperCard |
1 reward point for every 100 spent on all purchases. |
|
World Plus SuperCard |
|
|
RBL Bank Etmoney Loanpass |
|
4,000 reward points on crossing spend of 1.20 Lakhs in a year. |
Corporate Cards |
|
No special rewards |
RBL Bank Paisa on Demand |
|
4,000 reward points on spending over 1.20 Lakhs in a year. |
Platinum Advantage SuperCard |
|
|
RBL Bank Cookies Credit Card |
|
2 reward points for every 100 spent online. |
Doctor SuperCard |
|
|
RBL Bank Monthly Treats Credit Card |
|
|
World Safari Credit Card |
|
|
Edition Credit Card |
|
2,000 Edition Cash on spending 5 Lakhs every year (1 Edition Cash = Re. 1). |
Edition Classic Credit Card |
|
|
Practo Plus Credit Card |
Earn 1 HealthCash on spending per 100 (1 HealthCash = Re. 1). Use HealthCash to avail health services on Practo). |
|
RBL Bank vCard |
1 reward point on spending every 100. |
|
Platinum LifeEasy SuperCard |
|
|
CA SuperCard |
|
|
Platinum Bonus SuperCard |
|
6,000 reward points on paying joining fees and spending 2,000 within 30 days of issuance. |
Platinum ShopSmart SuperCard |
|
Second year fee reversed on spending 50,000. |
Platinum TravelEasy SuperCard |
|
Gift vouchers valued 1,000 on paying joining fees and spending 2,000 within 30 days of issuance. |
Platinum ValuePlus SuperCard |
|
Gift vouchers valued 500 on paying joining fees and spending 2,000 within 30 days of issuance. |
RBL Bank Credit Card - Fees Details
The details of fees for RBL Bank Credit Card are as mentioned in the table below:
Name of the Card | Annual Fee (in ) | Renewal Fee (in ) |
Insignia Preferred Banking World Card |
Nil |
Nil |
RBL Bank Icon Card |
5,000 |
5,000 |
Platinum Maxima Card |
2,000 |
2,000 |
IGU NHS Golf World Card |
Nil |
Nil |
Platinum Delight Card |
1,000 |
1,000 (waived on spend of 1.50 Lakhs or more in a year). |
Titanium Delight Card |
750 |
750 (waived on spend of 1 Lakh the previous year). |
Movies and More Card |
1,000 |
1,000 (waived on spend of 1.50 Lakhs the previous year. |
Blockbuster Card |
3,000 |
3,000 |
Money Tap Black Card |
3,000 |
3,000 |
Shoprite card |
500 |
500 (waived on spends of 1 Lakh and more in the previous year). |
ET Money Loanpass |
Nil |
499 (waived on spend of 1 Lakh and more in the previous year). |
Paisa on Demand |
500 |
500 (waived on spend of 1 Lakh and more in the previous year). |
RBL Bank Fun+ Card |
499 |
499 (waived on spend of 1.50 Lakhs and more in the previous year). |
World Prime SuperCard |
2,999 |
2,999 |
World Max SuperCard |
2,999 |
2,999 |
World Plus SuperCard |
4,999 |
4,999 |
MoCash Credit Card |
500 |
500 (waived on spend of 1 Lakh and more in the previous year). |
Doctor's SuperCard |
999 |
999 |
RBL Bank Cookies Credit Card |
500 |
500 |
Corporate Card |
Nil |
Nil |
All other RBL Bank Titanium Cards |
Up to 2,000 |
Up to 2,000 |
All other RBL Bank Platinum Cards |
Up to 4,000 |
Up to 4,000 |
Add on Cards |
Nil |
Nil |
RBL Bank Popcorn Credit Card |
1,000 |
1,000 |
RBL Bank Monthly Treats Credit Card |
This card comes with a monthly membership fee of 50 |
Monthly fee is waived off on spending 3,000 every month. |
World Safari Credit Card |
3,000 |
3,000 |
Edition Credit Card |
2,000 |
2,000 (Annual fee is waived off on spending 2,50,000 in the preceding year). |
Edition Classic Credit Card |
500 |
500 |
Practo Plus Credit Card |
2,000 |
2,000 |
RBL Bank vCard |
Nil |
500 (Annual fee from second year onwards is waived off on spending more than 1 Lakh in the previous year). |
Platinum LifeEasy SuperCard |
1,999 (Welcome Gift of Gift Vouchers worth 2,000 on payment of fee). |
1,999 (Spend 2,00,000 in a year and get next year's annual fee waived off). |
CA SuperCard |
Nil |
999 (Reversed on spending 1,00,000 in a year). |
Platinum Bonus SuperCard |
999 |
999 (Spend 1,00,000 in a year and get next year's annual fee waived off). |
Platinum ShopSmart SuperCard |
499 |
499 (Reversed on spending of 50,000) |
Platinum TravelEasy SuperCard |
999 |
999 (Spend 1,00,000 in a year and get next year's annual fee waived off). |
Platinum ValuePlus SuperCard |
499 |
499 (Spend 50,000 in a year and get next year's annual fee waived off). |
* All charges mentioned above are exclusive of GST. Applicable GST will be levied.
RBL Bank Credit Card - Charges Details
The details of charges on RBL Bank Credit Card are as given in the table below:
Type of Charge | Amount |
Charges for retail purchases and cash |
|
Transaction fee for cash advance |
2.5% of the transaction amount with a minimum of 300/- |
Late payment fee |
15% of the outstanding amount with a minimum of 50/- and a maximum of 1000/- |
Penalty for drawings over and above the limit |
600 |
Cash deposit at branches |
250/- for deposits made at RBL branches |
Surcharge on railway ticket purchased/cancelled |
Up to 1.8% of the ticket charges |
Fuel surcharge |
1% of the fuel transaction or 10/- whichever is higher |
Mark up fee for foreign transaction |
3.5% |
How to Apply for RBL Bank Credit Card?
Steps to apply for the card online
For New Customers
- Visit the official website of RBL Bank and go to the Credit Cards page.
- Provide your contact details and personal details.
- On verification, a representative from the bank will approach you and guide you through the process.
- You will have to submit the documents relating to address proof, Photo ID proof and Income Proof for checking the eligibility criteria and issuing the card.
For Existing Customers
- Go to the Credit Card page on the official website of RBL Bank
- Provide your net banking customer ID and mobile number
- You can directly apply for the credit card online.
Steps to Apply for the card through MyMoneyMantra
- To begin with visit the MyMoneyMantra website.
- Log in and choose the credit card menu. Select the card you intend to apply for and submit.
- Fill in all the relevant information required for applying for the credit card.
- Once the filling of the application is complete and the process initiated the representative of MyMoneyMantra will contact you and guide you through the process of documentation etc., till the approval.
- On approva,l the card will be dispatched to your address. Card and the pin will be despatched separately
To apply for the card off line you have to visit the nearest RBL Bank branches and apply for the credit card by submitting the relevant documents
Eligibility Criteria to Apply for RBL Bank Credit Card
The eligibility criteria to apply for RBL Bank Credit Card is as follows:
- Applicant should be in the age group between 21 years to 65 years.
- Applicant should either be salaried or self-employed. A stable income is a very important requirement to qualify for the Credit Card.
- The income criteria are different for different category of cards and some of the cards are issued only to individuals in a particular income bracket.
- The cibil score of the applicant should be satisfactory and preferably above 750.
- There should be no delinquency reported in the credit history.
- A well -managed debt to income ratio shows financial discipline. If the debt to income ratio is not satisfactory the application for the credit card will be rejected.
- The outstanding balances in the existing credit cards also play a very important role while taking a decision regarding issuing of the credit card. Heavy outstanding balances in existing credit cards shows lack of financial discipline.
Documents Required for RBL Bank Credit Card
The following documents are required to apply for RBL Bank Credit Card:
- Proof of Identity such as Aadhar Card, Voter's ID Card, Pass Port, Driving Licence and PAN Card.
- Address Proof such as Aadhar Card, Passport, Driving Licence, Utility bills, Rental Agreement, Credit Card Statement/ Pass sheet of other banks not older than 3 months.
- Income Proof such as IT Returns, form 16 and the latest Salary Slips
Making Your RBL Credit Card Payment
RBL Bank Credit Card payment can be made in the following ways:
- By cash: The bill payment can be made by cash at any of the RBL Bank branches
- Auto-Debit: Cardholders can give standing instructions to debit the credit card dues to their bank account.
- NACH: This is an online form which can be filled by the cardholders. It authorises the bank to debit the credit dues to the cardholder's bank account.
- Cheque/Draft: You can also make the card outstanding payment through a Cheque/Draft.
- NEFT: Credit Card outstanding dues can be made through NEFT also. You have to mention the card number in place of the beneficiary account number.
- Internet Banking: Credit Card bill payment can be done by the cardholder vide internet banking through their bank account.
RBL Bank Credit Card - Customer Care Numbers
Credit Cardholders can call the following customer care numbers for any queries regarding Credit cards.
- 1800-121-9050
- 1800-123-8040
- 022-62327777
Frequently Asked Questions
Are the RBL Bank Credit Cards accepted worldwide?
Yes, RBL Bank Credit Cards can be used all over the world for any transactions. Purchases can be made in any currency and paid later in Indian Rupees.
What is the procedure to be followed in case the card is lost?
The loss of card should be reported to the customer care executives through the customer care helpline. Thereafter the executives of the bank will provide you with an immediate solution.
Is cash withdrawal permitted on RBL Bank Credit Cards?
Yes, cash withdrawal up to the cash limit can be withdrawn from any ATM in India.
What is the procedure for surrendering RBL Bank Credit Card?
You should call the 24 x 7 toll-free customer care number 1800-121-9050 and inform the executive regarding the surrendering of the card. Also, provide the reference number given in your earlier interaction along with your account number and credit card number.
How can we get to know the cash limit provided on the credit card?
The cash limit will be mentioned in the monthly billing statement.
What is the procedure to check the outstanding balance on the credit card?
You can get the outstanding balance online by registering your credit card on RBL internet banking facility.
Real- time balance will be indicated through SMS alerts every time a transaction is made on the card.
Using your pin number and access code you can check the outstanding balance of the credit card at ATMs.
You can also visit the nearest RBL branch and get the outstanding balance.
How to transfer funds from RBL Credit card to the bank account?
You can transfer funds from RBL Credit Card to the bank account by using the Money Tap App.