RBL Bank Credit Cards

RBL Bank Credit Card Features and Benefits

1. Sign-up bonuses: Upon application for an RBL credit card, there are usually welcoming rewards awaiting the customer. These may be additional points, among other things, but generally require payment of a joining fee to unlock them.

2. Reward Programs: Cards by RBL Bank come with multiple schemes attached for gifting cardholders based on their type and class, such as cashback instead of points in this category.

3. Travel benefits: Some RBL Credit Cards may also feature travel benefits like free access to domestic/international lounges at airports, airline/hotel booking discounts, and so much more.

4. Dining & Movie Benefits: A good number of this card type under the RBL bank offer dining plus entertainment perks i.e., buy one get one free movie tickets or even eating out rebates.

5. Other advantages: Additionally, there could be further privileges inclusive but not limited to fuel surcharge waivers, spend-based annual fee waivers, etc; all aimed at building up your experience with them while using their services for pleasure and bonuses.

RBL Bank Credit Card Rewards and Cashback

Some cards offer high reward points and are considered premium, while others provide fewer rewards for your spending.

Card Name	Reward / Cashback
RBL Bank Insignia Preferred Banking World Card	– 10 reward points for every Rs. 100 spent on international transactions. – 5 reward points for every Rs. 100 spent on domestic transactions.
RBL Bank Cookies Credit Card	– 5 reward points for every Rs. 100 spent on online transactions. – 1 reward point for every Rs. 100 spent on retail transactions.
RBL Bank Popcorn Credit Card	– 2 free movie tickets every month for spending Rs. 5,000. – Rs. 25 cashback for spending Rs. 2,500 in a week.
RBL World Safari Credit Card	– 5 travel reward points for every Rs. 100 spent on travel. – 2 travel reward points for every Rs. 100 spent in other categories.
RBL Platinum Maxima Card	– 10 reward points for every Rs. 100 spent on fuel, dining, entertainment, utility bills, and international transactions. – 2 reward points for every Rs. 100 spent on other purchases.
RBL Bank Icon Card	– 20 reward points for every Rs. 100 spent on international transactions. – 2 reward points for every Rs. 100 spent on retail transactions.
RBL Movies and More Cards	– 20 reward points for every Rs. 100 spent on dining on Wednesdays. – 10 reward points for every Rs. 100 spent on BookMyShow, Pizza Hut, and KFC. – 1 reward point for every Rs. 100 spent on other purchases (except fuel).
RBL ShopRite Credit Card	– 20 reward points for every Rs. 100 spent on grocery shopping. – 10 reward points for every Rs. 100 spent on fuel. – 1 reward point for every Rs. 100 spent on other purchases (except fuel).

How To Earn and Redeem RBL Bank Credit Card Reward Points?

In the best payment method possible, you should wisely spend your collected reward points. You can use these points to get e-vouchers for various brands, do mobile top-ups or even book flights and hotels, among other options offered through the RBL Rewards Program, but there is a redemption charge of Rs. 99, except the Insignia Preferred Banking Card for which the fee does not apply.

Check below for different redemption rates:

• RBL Insignia Preferred Banking World Card, Cookies Credit Card, RBL World Safari, RBL Platinum Maxima, RBL Bank Icon, RBL Movies & More, RBL ShopRite Credit Card: 1 Reward Point = Rs. 0.25
• RBL Bank Popcorn Credit Card: You can scan the QR code on its back for a cashback of Rs. 25.

Redeem RBL Bank Credit Card Reward Points Online:

• Step 1: Log into Your Account: Use your login details to access the rewards account on www.rblrewards.com.
• Step 2: Select The Reward You Want: Many options are available for selection including gift vouchers, mobile top-ups, shopping vouchers or even travel packages. Navigate through the different categories until you find what you like.
• Step 3: Redeem Your Points: Then click on “ Redeem reward points”. Input figures showing how much should be converted into other forms like vouchers and then redeem your points.
• Step 4: Confirm The Transaction: After choosing the desired reward, click submit and wait for the One Time Password (OTP), which will be sent to your registered mobile number before finalising the transaction.
• Step 5: Get The Reward: Once completed successfully, depending on whether they are physical items or not, this could either be done through dispatching an email containing e-vouchers courier services, after which products involved expect delivery within 10 working days.

Redeem RBL Bank Credit Card Reward Points Offline:

• Step 1: Call the Customer Service Center: You can also make offline cash redemptions by contacting the bank’s customer service centre. After accumulating a certain number of points, inquire with a customer service representative about different redemption options available to you. Once you have decided, ask to redeem it.
• Step 2: Mail Redemption: Another way is by downloading a credit card rewards redemption form from an issuer’s site which should then be filled appropriately.

RBL Bank Credit Card Eligibility Criteria

RBL Bank follows the standard eligibility criteria for credit card issuance. There are certain conditions that an applicant has to fulfil:

• Age: The applicant should fall in the bracket of 21-65 years.
• Employment: They must be either employed on a permanent basis or have their own business, which generates stable income.
• Credit Score: It is important for one to have a good credit history.

Documents Required

If you want to apply for an RBL Bank credit card, make sure you have the documents listed below with you.

• Identity Proof: Aadhaar Card, Driving Licence, Voter’s ID, PAN card, Passport or any other government-approved ID.
• Address Proof: Aadhaar Card, Passport, Utility Bills (not more than 3 months old) or any other government-approved ID.
• Income Proof: Bank Statement of the last 3 months or salary slip, audited financial report for the last 2 years etc.

RBL Bank Credit Card Annual Fees and Charges

1. RBL Bank Insignia Preferred Banking World Card:

Joining Fee:	Nil
Renewal Fee:	Nil
Spend-Based Waiver:	N/A

2. RBL Bank Cookies Credit Card:

Joining Fee:	0 points
Renewal Fee:	0 points/month
Spend-Based Waiver:	Renewal fee waived on spending 5000 points or more in the previous month.

3. RBL Bank Popcorn Credit Card:

Joining Fee:	1000 points plus applicable taxes
Renewal Fees:	1000 points plus applicable taxes
Fee Waiver Conditions:	N/A

4. RBL World Safari Credit Card:

Joining Fee:	3000 points plus applicable taxes
Renewal Fees:	3000 points plus applicable taxes
Fee Waiver Conditions:	NA

5. RBL Platinum Maxima Card:

Joining Fee:	2000 points plus applicable taxes
Renewal Fees:	2000 points plus applicable taxes
Fee Waiver Conditions:	NA

6. RBL Bank Icon Card:

Joining Fee:	5000 points plus applicable taxes
Renewal Fees:	5000 points plus applicable taxes
Fee Waiver Conditions:	NA

7. RBL Movies and More Card:

Joining Fee:	1000 points plus applicable taxes
Renewal Fees:	1000 points plus applicable taxes
Fee Waiver Conditions:	Renewal fee waived on spending 1,50,000 points or more in the previous year.

8. RBL ShopRite Credit Card:

Joining Fee:	500 points plus applicable taxes
Renewal Fees:	500 points plus applicable taxes
Fee Waiver Conditions:	Renewal fee waived on spending 1,00,000 points or more in the previous year.

Other Fees & Charges

Card Replacement Fee:	Nil
Cash Payment at RBL Branches:	Rs. 100
Reward Redemption Fee:	Rs. 99 + GST
Fee on Rental Transaction:	1% of the transacted amount
Interest-free Period:	20-50 days
Add-on Card Fee:	Nil
Overdue Interest Charges:	Nil
Minimum Amount Due:	5% of the total amount or Minimum Rs. 200
Duplicate Statement Fee:	Nil
Merchant EMI Processing Fee:	Rs. 199 + GST

How To Apply For RBL Bank Credit Card Online

Getting an RBL Credit Card is easy if you do it online. Here’s how you can do it step by step:

• Find the Apply Button: Start by going to the RBL Bank website. Find the ‘Apply Now’ button and click it. This will take you to the application form where you can start your credit card request.
• Fill Out the Form: Next, you need to fill in the form with your details. Make sure to write everything correctly and double-check your information. It’s important to get it right so your application can be processed smoothly.
• Follow All the Steps: After filling out the form, follow any extra instructions given on the bank’s website. There might be some more things you need to do to complete your application. Make sure you do everything as directed to ensure your RBL Credit Card request goes through successfully.

This process is simple, so just take it step by step and you’ll be done in no time!

How to Apply for RBL Bank Credit Card Offline

To apply for an RBL Credit Card offline, follow these easy steps:

• Visit the Bank: Head to your nearest RBL Bank branch.
• Fill Out the Form: Get and complete the credit card application form at the branch.
• Provide Documents: Hand in your PAN card, Aadhaar, proof of income, and bank statements from the last three months.

Once you’ve done this, the bank will let you know about your application status in a few days. If approved, you should receive your new credit card within a week!

How To Activate RBL Bank Credit Cards?

These are the steps you need to take in order to activate your RBL Credit Card in different ways:

Netbanking:

• Step 1 : Visit this link: https://applications.rblbank.com/creditcard-pin-change to start the process.
• Step 2 : Fill out the form with your credit card number, date of birth (primary account holder), and card expiry date, then click submit.
• Step 3 : Hit ‘Send OTP’
• Step 4 : Enter the received OTP on the registered mobile number, enter the new pin and submit.
• Step 5 : Finally, click the “Change PIN” button so that the process is completed successfully after which you may use it anywhere without any problem.

Mobile Banking (RBL MyCard App):

• Step 1 : Download the RBL MyCard app.
• Step 2 : Login into your account.
• Step 3 : Go to account services and select ‘change PIN’.
• Step 4 : Enter the required details and set the new PIN.
• Step 5 : After setting the PIN, your card will be ready for use.

Customer Care:

• Step 1 : Call the Customer Care Number of RBL Credit Card i.e. +91 22 6232 7777 from the registered mobile number.
• Step 2 : Select the language of your choice through the IVR menu.
• Step 3 : To set/reset your credit card pin, press 1.
• Step 4 : Follow instructions provided further by system like entering the last 4 digits of your card number etc., until you are prompted to enter a new pin.

RBL Bank Credit Cards Login/Net Banking

Registration for RBL Bank Credit Card Netbanking:

• Step 1: Begin by visiting the RBL Bank website via https://www.rblbank.com/.
• Step 2: Navigate to the Login menu and select “Personal Banking.”
• Step 3: Click on the register option under “First Time User.”
• Step 4: Choose the credit card option for registration.
• Step 5: Enter your 16-digit card number, CVV number, and expiry date
• Step 6: Click Submit and receive an OTP on your registered mobile number.
• Step 7: Enter the OTP and choose a security question
• Step 8: Set your password and confirm it.

Logging in to RBL Bank Credit Card Netbanking:

• Step 1: Visit the RBL Bank website and go to the online banking portal.
• Step 2: Select the Personal Banking option and click on login.
• Step 3: Use your 16-digit card number as your customer/user ID.
• Step 4: Enter your password and click login.

How To Compare RBL Bank Credit Cards & Choose The Best One?

1. Figure out what you need: Go through your expenses and see where you spend most of your money and what kind of rewards or benefits would be valuable for you.

2. Card Type: Evaluate if you want a no-annual-fee card, low-fee card or high-end premium card with more benefits but also higher fees.

3. Research: Look around the market for credit cards that fit into these categories. Look at different types of reward systems based on what people buy most often as well as their lifestyle.

4. List making: Make a list with potential credit cards meeting all of your demands mentioned above. Write down their features, reward amounts they offer, fees charged for using them, etc.

5. Compare: Consider which one has better value, looking from the perspective of signup bonus rates, annual fee amounts and any other perks included with each card.

6. Fees & Charges Review: Carefully read through the terms & conditions regarding fees and charges connected with every single item on the list. Check out if there are some hidden fees like foreign transaction fees or balance transfer fees, which might affect total cost significantly in certain cases.

7. Benefits Assessment: Take a look at extra benefits provided by these cards, such as travel insurance coverage level, purchase protection duration or concierge service availability hours. Decide which one matters most for you personally.

8. Choose wisely: Finally, after doing a full investigation into this matter, pick up one (or couple) that seems to give the most while taking less from the wallet. Be sure it matches not only your current spending pattern but also future financial objectives.

9. Apply: After you decide that you need it, start by applying for the credit card you like most. Make sure to follow all the steps given on how to apply for it, which may include applying online or through other ways.

Tracking Process of RBL Credit Card Application Status

You can quickly check the status of your RBL Credit Card application online. Just follow these simple steps:

• Go to the Website: Visit the RBL Bank’s application tracking page on their official website.
• Choose Your Card Type: Find and select the type of credit card you applied for, then click on the ‘Track Here’ button.
• Enter Your Details: Fill in your application number, registered mobile number, and any other needed info.
• View Your Status: After you’ve entered the details, you’ll see the status of your credit card application on your screen shortly.

It’s a fast and easy way to keep track of your application!

RBL Credit Card Balance Transfer

With RBL’s Transfer ‘n’ Pay, select card members get a special perk. Here’s how it works:

• Move Your Balance: Transfer any balance from another credit card to your RBL Bank Credit Card.
• Pay in Easy EMIs: Repay the transferred amount in affordable monthly payments. You have the option to spread your payments over 3, 6, or 12 months.
• Low Fees: There’s just a small processing fee for using this option.

It’s a handy way to manage your credit card balance and save on interest!

RBL Credit Card Bill Payment

Online:

Bill Pay is a super simple and safe way to handle all your bills and taxes. Here’s how it works:

• Pay Anything, Anytime: Use Bill Pay to pay for phone bills, electricity, insurance, magazines, and even donations with just a few clicks. You can handle it from any location, at any time that suits you.
• Set Up Alerts: You can register your billers to get automatic reminders and see your bill amounts and due dates.
• Get Notifications: You’ll receive SMS alerts for things like adding or removing billers, new bills, and payment status.

How to Pay Your Bills

1. Download the App: Get the RBL MoBank App from https://mobank.rblbank.com.
2. Choose a Bill: Pick the type of bill you want to pay.
3. Enter Details: Fill in the bill info and log in.
4. Confirm Payment: Enter the OTP and confirm your payment.

It’s quick and easy to pay your bills and recharge online!

Offline:

Here are some easy ways to pay your RBL Bank credit card bill without going online:

• Cash Payment: Go to an RBL Bank branch and deposit cash into your account. There’s a convenience fee of Rs. 250 plus GST, but your payment will be credited to your account the same day.
• Cheque Payment: You can deposit a cheque at an RBL Bank branch or send it by courier to RBL Bank Limited. The payment will be credited once the cheque is cleared.
• ATM Transfer: Use an ATM to transfer funds directly to your credit card account.

These options make it simple to manage your credit card payments offline!

RBL Bank Credit Card Customer Care Details

If you need help with your RBL Credit Card, here’s how you can get in touch:

• General Credit Card Support: Call +91 22 6232 7777 or email [email protected].
• RBL SuperCard Support: Call +91 22 7119 0900 or email [email protected].

You can also use the RBL Bank MyCard app to manage your credit card.

Other Contact Options:

• Banking Queries: Call +91 22 6115 6300 or email [email protected].
• Micro Finance Queries: Call +91 22 6184 6300.
• API Banking Support: Email [email protected].
• Registered Partner: Email [email protected].

To find out your account balance, simply give a missed call from your registered mobile number to 1800 419 0610.

Conclusion

To sum up, choosing the suitable credit card from RBL Bank demands you to consider your financial aims, spending patterns and way of living. Assessing each card’s elements, rewards, charges, and advantages will enable you to select a suitable one that meets your requirements. Always remember to pick a card that will provide maximum value for money as well as seamlessly fit into your financial plan.

FAQs