RBL Credit Card
RBL Bank credit cards are offered by RBL Bank (formerly known as The Ratnakar Bank). The RBL credit cards are packed with benefits that are designed to suit different needs of the customers. By the end of reading this article, you will be aware of all the types of RBL bank credit cards, its charges and fees and the usage procedures.
What are the Types of RBL Credit Cards?
RBL bank credit cards cater to a wide variety of customers. Whether you need a basic credit card or an elite card, RBL has it all on offer. The credit cards are packed with benefits that are designed to suit different need and wants of people. The cards focus on anti fraud, flexible credit limits, cash advances, reward points, and specialised privileges. Be a part of hand-picked rewards, cash back, discounts and personalised offers.
Insignia Preferred Banking World Card: This card is designed to pamper and treat the customer with comfort and luxury.
IGU NHS Golf World Card: This card is designed for the golf enthusiast, aspiring golfers and young golfers. Get golfing benefits that never end which includes membership into NHS, complimentary golf rounds, unlimited golf lessons, discounted Green Fees and golf accessories.
Platinum Maxima Card: It allows the customer to enjoy bonus reward points, free movie tickets and airport lounge access.
RBL Bank Fun + credit card: This card is designed for fun and entertainment in association with KFC, Pizza Hut and BookMyShow. The customers get welcome offers and complimentary vouchers with this credit card.
Platinum Delight card: The customer gets 4000 points when they swipe within 60 days of card issuance.
Platinum Cricket card: A card designed for sports enthusiasts allows the user to get privileges and perks that include reserved seats and party invites to enjoy the game with the Delhi Daredevils.
Titanium Delight Card: The credit card comes with a host of benefits such as an annual fee waiver if the user spends Rs. 1 lakh in the first year. The user earns 2000 reward points when he/she swipes within 2 months of card issuance.
Classic Shopper cards: This card comes in 3 options: Titanium card, Freedom titanium card and Freedom titanium cash back card. The customer earns 2 reward points for every Rs. 100 spent
Classic Reward cards: The user gets 4 points for every Rs. 100 spent domestically, gets points doubled when spent abroad earning 8 points for every Rs. 100 spent.
Classic Platinum card: This card lets the customer earn 2 reward points for every Rs. 100 spent domestically. The customer can spend internationally to earn 4 reward points for every Rs. 100 spent.
RBL Bank Credit Card Charges and Fees.
All the charges mentioned are subject to change under various marketing programs. The card member will be informed about these changes. All charges mentioned below incur Goods and Services Tax (GST) @ 18%
Though the annual fees on RBL Bank credit cards vary, there are few other fees and charges on these cards that you 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)|
|Overlimit 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.|
What are the Documents Required to Apply for a RBL bank Credit Card?
When applying for RBL Bank credit cards, you will have to submit a few important documents - address proof, identity proof and income proof. The documents required will be communicated by RBL Bank at the time of applying for a credit card. You need to submit the following documents to avail a RBL credit card-
Proof of Identity:
Proof of Address:
Utility bill (not more than 3 months old)
Proof of Income:
Bank statement for the past 3 months
Salary slips for the last 3 months
What is the Eligibility Criteria to Avail a RBL Bank Credit Card?
Before applying for a RBL Bank credit card, the applicant must be eligible to own one. Each and every bank has its own eligibility criteria, likewise RBL bank has certain rules to be followed before providing the credit card to its customers. The customer should satisfy the bank’s needs by proving that he/she is eligible to own a RBL credit card
RBL Bank credit cards are offered by the bank as its sole discretion
Applicants should be at least 18 years old
You can avail upto 5 add-on cards for parents, children and spouse. Children should also be at least 18 years old.
How to Apply for RBL Bank Credit Card?
Visit the official website of RBL Bank. Go through the various credit cards they offer. The features, benefits and the annual fees of the cards may vary, so you should select the card that best matches your needs.
Step 1: Select the card, click on ‘Apply Now’ button.
Step 2: This will lead you to a new page wherein you have to fill the basic details like your name, mobile number, date of birth and email address.
Step 3: Enter the details about your work such as the name of your organisation, income, PAN details, etc.
Step 4: Click “Proceed”
Once you submit the information, you will receive an OTP on the number provided which you have to enter in order to validate your application. An executive will come at your doorstep to collect the relevant documents. Once the application is successful, you will get a reference ID using which you can track the status of your application. You will receive the credit card within a week.
You can also visit the nearest RBL Bank branch to fill out the credit card application form and submit it along with the required documents. After it is approved by the bank, the card will be delivered at the address mentioned by you.
#1.RBL Bank Credit Card Bill Payment
The monthly credit card statement will be sent to your registered email id at the end of the billing cycle. You can also view the same using RBL “Cards Online” portal. All the transactions such as payments and purchases will be shown in the credit card statement. Online credit card bill payment options to pay dues can be used by RBL credit card customers from the comfort of their home. The RBL Bank’s net payment gateway is designed in such a way that it is user friendly and it will help you make hassle-free credit card payments.
RBL Quick Bill Pay Option - Using the “Quick Bill Pay" option on RBL Bank’s Net Banking site, you can pay the credit card outstanding from RBL or any other bank account.
RBL Credit Card Bill Payment via NEFT - Credit card outstanding can be paid via NEFT by the customers. To make a credit card bill payment via NEFT, follow the steps given below.
Step 1: Using the Net Banking facility, log on to your bank account
Step 2: Use the respective IFSC code and location to transfer funds to your credit card account.
Step 3: Complete the NEFT procedure to make the credit card bill payment
RBL Cards Online - Customers can use the RBL netbanking portal and find the “Cards Online” facility to make credit card bill payments. The login ID and password will be the same as Net Banking login.
Using Cheques at Drop Box - You can simply drop the cheques in the drop boxes mentioning your credit card account number and the amount to be paid.
Electronic Clearing System/Standing Instructions Facility - Register for the ECS or Standing Instruction facility for your RBL Bank credit card. By submitting a form for ECS/SI, you can enroll in this facility. The amount would be debited automatically from your account towards credit card bill payment before the payment due date.
#2.How to Check Application Status of RBL Bank Credit Card?
ONLINE: Using internet is one of the easiest ways to check your RBL credit card application status. All you need is your application reference number and registered mobile number to find your application status.Application reference number or application number is a unique identification number allotted to everyone who applies for a RBL credit card. Your application number will be sent to your through a pop-up/mail/SMS.
If you submit the credit card application directly to the bank/agent you will receive an acknowledgment slip on which you can find the number. Please ensure that you retain the application number as it is very important for all future queries regarding your credit card application. You need to have the mobile number you’ve used while applying for the RBL credit card.
Follow the steps below to check your RBL credit card status once you have both the details.
Visit RBL’s dedicated portal, rblbank.rupeepower.com
Find ‘Track your online application status’, which is located at the bottom of the page
Enter the application reference number and mobile number in the respective boxes and hit submit
Your application status will be displayed as soon as you submit your details
In most cases you may find, in-progress, approved, dispatched, on-hold, rejected or no records found as your application status results. Let us know what they mean.
An ‘In-progress’ status denotes that the bank has received your credit card application and is still reviewing it.
An ‘Approved’ status indicates the same. Your application has been approved by the bank and your credit card will be delivered soon
Once the application is approved, RBL makes your credit card ready and dispatches it to your corresponding address. At this stage, your application status will be displayed as “Dispatched”. You will receive a message with its shipment number and the expected date of delivery, once the card is dispatched. Please note that the credit card will be handed over only to the applicant on providing a valid identification proof.
If ‘On hold’ is displayed as the status of your application, then the bank has kept your application on hold. It could be because of incomplete documentation and the bank needs some missing information. The bank will call you to fetch the remaining details and once they get enough details, the process will be resumed. You can contact the customer care if it gets delayed further.
Your application may get rejected if it does not meet the eligibility criteria set by the bank. In such cases, your status shows ‘Rejected’. You can contact the bank for further clarification.
If the details you have entered is incorrect or your details are not yet updates by the bank, you may receive the status as ‘No records found’. Try once again by entering the correct details. If you still receive the same, wait for the bank to update.
At every stage of the process, the bank will ideally send an SMS or email updating you about the status of your credit card application
OFFLINE: When you don’t have internet access, you can simply call the customer service helpline of RBL bank to know the status of your application.
All the credit card queries can be cleared by approaching RBL Bank credit card helpline 022 6232 7777 or 1800 121 9050.
You can also write to RBL seeking for your credit card application status to firstname.lastname@example.org.
Comparison Table for RBL Bank Credit Cards
Each RBL credit card offers exclusive privileges and unique membership benefits for fulfilling all your needs and lifestyle requirements. RBL Credit Cards come with different reward schemes and cash back offers depending upon the credit card you pick. The popular types of reward schemes available are – Fuel, Shopping, Premium, and others.
|Name of the RBL Credit Card||Joining fees||Joining Perks||Rewards|
|Titanium Delight Credit Card||Rs. 750||2000 reward points. Additional 1,000 reward points if you spend Rs.10,000 in 60-days.||1. 1 reward point per Rs.100 spent for all spends.
2. Rs. 100 worth Fuel surcharge waiver across all pumps.
3. 4,000 Rewards Points on spends of Rs. 1.2L in a year.
|Platinum Delight Card||Rs. 1000||4000 reward points||1. 4,000 reward points on using the card once within 60-days.
2. 2 reward points per Rs.100 spent for all spends.
3. 4 reward points per Rs.100 spent on the weekend.
4. Rs. 150 worth Fuel surcharge waiver across all pumps.
|Platinum Maxima Card||Rs. 2000||8000 reward points||1. 2 reward points per Rs.100 spent for all spends.
2. 10 reward points per Rs.100 for all spends on dining, utility bills, international spends, entertainment & fuel.
3. 10,000 bonus points on spends of 2 lacs, also get additional 10,000 points on Rs. 3.5 lacs spent in a year
4. 2 free visits on Airport lounge per quarter in Domestic airport lounges.
#3. RBL Bank Credit Card Customer Care Number
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: email@example.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
Grievance Redressal: Customers who didn’t receive a proper response from the RBL customer care centre can use the grievance redressal to take their issues to next level. Only the customers who approached the RBL customer care centre in the first instance and got a ‘service request number’ can use the system to escalate their issue. You can send your queries/complaints to the below mentioned address.
IEPF Nodal Officer:
Name: Mr. Vinay Tripathi
About RBL Bank and Credit Cards
RBL Bank is considered to be one of the fastest growing commercial banks which is continuing its expansion rapidly. In 18 states, RBL Bank currently has 183 branches and 351 ATMs. It offers a variety of credit cards designed to fulfil the different needs of people. Enjoy credit periods of up to 50 days on your credit card. You can pay it back at your convenience of only the minimum amount due or the full amount. Choose to revolve your credit at finance charges of up to 3.4% per month. Delightful features like reward points, cash advances, fuel surcharges are offered in each credit card.
A wide range of credit cards that are loaded with numerous benefits are offered by RBL Bank. Each credit card has been created for fulfilling the need of different customers leading various lifestyles. Benefits like membership privileges, reward schemes, cash back offers and much more are offered in these cards. RBL Bank credit cards offer rewards across various categories including shopping, fuel, entertainment and movies.
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