Top RBL Credit Cards 2024

RBL is one of the fastest-growing private sector banks in India. It is known for its wide user base, especially in the credit card Market. RBL offers a variety of credit cards with numerous benefits. Here is all about credit cards from RBL Bank and how to apply for one.

Best RBL Credit Cards

RBL Rewards Credit Cards 2024

1. RBL Bank Insignia Credit Card

• Rs.500 off every month on movie tickets
• Free access to airport lounges both domestic as well as international
• Receive cashback bonus of rewards of 1.25% to 2.5% on all spendings

2. RBL Bank ICON Credit Card

• Free movie ticket on every ticket you purchase
• Free access to domestic airport lounges
• Earn up to 2.2% reward value back on your normal spends
• Get additional cashback on your weekend purchases

Basic Features - RBL Credit Card

1. RBL Bank Classic Platinum Credit Card

• Earn 2 reward points every time you spend Rs. 100 in India
• Earn 4 reward points every time you spend Rs. 100 internationally
• Add up to 5 supplementary credit cards for your relatives
• Avail discounts and cashback at retail stores

2. RBL Bank Platinum Delight Credit Card

• Earn 2 points for every Rs.100 spent (except for fuel)
• Earn 4 points for every Rs.100 spent during weekends
• Earn up to 1000 bonus reward points every month for using your credit card for five or more times in a month
• Get a discount on groceries, movies, hotel, etc.

Best RBL Travel Credit Cards

1. RBL PlatinumPlus SuperCard

• Free airport lounge access to major domestic airports
• Discount offers for groceries, travel, shopping, etc
• Earn 1 reward point for every purchase of Rs.100
• Earn 2 reward points for every online purchase of Rs.100
• Get additional 10,000 reward points if you spend a minimum amount of Rs 1.5 lakhs annually.

2. RBL Bank World Plus SuperCard

• Around 8 free airport lounge visits for domestic airports
• Complimentary priority pass membership of $99 for international lounge access
• Earn 2 reward points for every Rs.100 you spend
• Earn 20 reward points for every Rs.100 you spend on dining
• Earn 20 reward points for every Rs.100 you spend for your international expenses.

How to Apply for RBL Credit Card?

There are two modes of application for an RBL credit card-

Online

• Go to the company’s official website
• Choose the type of credit card you wish to apply based on your requirement after going through its features
• Click on the ‘Apply Online’ option
• An OTP (One Time Password) is sent to your registered mobile phone. Use this OTP to proceed
• Enter your personal details
• Select Apply, and proceed further

Offline

You can apply offline by simply visiting the nearest RBL bank and meeting the credit card representative. The representative will help you complete the application and choose the appropriate card. Your eligibility is checked based on which you'll receive your credit card.

Documents Required

Following are the documents required to get an RBL Bank Credit Card-

• An identity proof issued by the government of India like Voter ID, driving license, aadhaar card, passport, ration card, etc.
• Proof of Income
• Address proof
• PAN Card
• Passport size photograph

Eligibility Criteria to Apply for RBL Credit Card

In order to be eligible for an RBL credit card, you must fulfill the eligibility criteria-

• Age must be between 25years to 65 years
• Must be either salaried, self-employed, student, or a retired pensioner
• Should have a stable income (gross) of up to Rs.3 lakh per year
• Should be a resident of India
• Must have a minimum Credit Score of 750

RBL Credit Card Statement

You will be receiving the credit card statement every month. The statement will contain all the records and transactions of your previous month. You will receive the statement either via courier or through an email based on the option you’ve chosen. The credit card statement needs to be checked thoroughly.

RBL Credit Card Customer Care Number

RBL bank provides a 24x7 Helpline. You can contact the respective customer care by dialing +91 22 6232 7777 for normal credit cards and +91 22 7119 0900 for supercard.

FAQs

1. Why should I get an RBL credit card?

A: RBL is a private sector bank and is a brand of Bajaj Finserv. The credit cards offered by RBL come with multiple offers, which make these cards attractive, especially amongst the younger generation.

2. Does RBL offer different types of credit cards?

A: Yes, RBL offers different credit cards, such as the RBL Platinum Maxima Credit Card, RBL Platinum Delight Credit Card, and the RBL Titanium Delight Card. Other than that, you can also opt for the RBL Bank Insignia Credit Card or the RBL Bank ICON Credit Card. Depending upon your requirements and the Credit Limit you need, you should apply for a particular RBL credit card.

3. Do I have to pay maintenance charges for the credit cards?

A: Yes, depending on the type of credit card you are applying for, you will have to pay the maintenance charge. For example, RBL Platinum Maxima Credit Card comes with an annual maintenance charge of Rs.3000 annually. For the RBL Platinum Delight Credit Card, the annual maintenance charge is Rs. 1000, and for the RBL Titanium Delight Card it is Rs. 750.

4. Are there any added benefits of the RBL credit cards?

A: Each RBL credit card comes with added benefits, such as discounts on movies, dining out, shopping, and travel. Along with that, you can also earn reward points that can en-cash to get vouchers to make further purchases.

5. How is the RBL Insignia credit card beneficial?

A: If you are a frequent flier, you will find the RBL credit card extremely beneficial as it offers free access to airport lounges. You can enjoy this Facility in both domestic and international airports.

6. Can I get emergency loans with the RBL credit card?

A: Since Bajaj Finserv offers a credit card, you can convert your credit card limit to an interest-free loan. You will receive the cash immediately, and the loan itself will remain interest-free for 90 days.

7. Do I have to pay any interest on the loan?

A: It is an interest-free loan, and hence, you will not have to pay any additional interest. However, a Flat 2.5% processing fee is charged when you apply for the loan.

8. Does the card offer EMI options?

A: Yes, you can repay the personal loan in the form of 3 easy installments. You can also break up the credit card repayment in installments and simplify the payment process.

9. Can I withdraw money from ATM using RBL credit cards?

A: Yes, you can make withdrawals from ATM counters using a credit card. This will be considered as interest-free personal loans. However, it will remain interest-free for up to 50 days. Additionally, you will be charged a flat 2.5% processing fee.

10. Are there any reward points for joining?

A: Yes, the RBL Credit card offers reward points on joining, and you can earn up to 20,000 points depending upon the card you purchase.