RBL Platinum Delight Credit Card | Apply now

The RBL Platinum Delight Credit Card is a credit card that provides rewards and offers for many milestones, which makes it so much more appealing and interesting. If you use your credit card daily, this is the perfect RBL credit card, as this provides a large number of benefits and rewards to all its cardholders. Today, we want to talk about this credit card and see how the RBL Platinum Delight Credit Card provides various benefits to its cardholders. 

Fees and Charges

• No Renewal Fee if You Spend Big: If you spend Rs. 2 lakh or more in one year using the RBL Platinum Delight Credit Card, you don’t have to pay the renewal fee. This means if you shop a lot or use the card for many things, you save money on fees the next year.
• Small Charge for Using Rewards: When you want to use the points you’ve earned from spending, there is a small fee of Rs. 99 plus GST. So, whenever you redeem your rewards, just remember you’ll need to pay this little extra charge.
• Extra Cost When Spending in Foreign Countries: If you use your RBL Platinum Delight Credit Card to buy things in a different country or a foreign currency, there’s an extra charge of up to 3.5%. So, whenever you’re shopping outside India or online on international websites, keep this in mind.
• High Interest for Late Payments: If you don’t pay your card bill on time, the interest rate can go up to 3.99% per month. This means the more time you take to pay your balance, the more extra money you will have to give in the end. Paying your bills on time is important to avoid these high costs.
• Save on Fuel Costs: If you use your RBL Platinum Delight Credit Card to buy fuel and the amount is between Rs. 500 and Rs. 4,000, you will get a 1% waiver on the fuel surcharge. This can help you save a bit whenever you fill up your vehicle with petrol or diesel.
• Taking Out Cash Costs More: If you use the RBL Platinum Delight Credit Card to take out cash from an ATM, they will charge you 2.5% of the amount you withdraw. So, it’s best not to take out cash too often because this extra fee can add up quickly.

RBL Platinum Delight Credit Card Details

• Welcome Gift with 4,000 Reward Points: When you get your RBL Platinum Delight Credit Card, you will be given a nice welcome gift of 4,000 reward points. These points can be used later to get cool stuff or discounts.
• Earn 2 Reward Points for Every Rs. 100 Spent on Weekdays: Whenever you use your RBL Platinum Delight Credit Card on weekdays (Monday to Friday), you will earn 2 reward points for every Rs. 100 you spend. This means more shopping and more points.
• Double the Points on Weekends: On weekends (Saturday and Sunday), you get double the reward points. You earn 4 points for every Rs. 100 you spend. So, if you shop on weekends, you collect rewards much faster.
• Bonus Reward Points Every Month: If you spend a certain amount in a month, you can earn extra reward points. This means if you use your card regularly, you get even more points as a bonus.
• 1% Waiver on Fuel Surcharge: Whenever you buy fuel
•  using your RBL Platinum Delight Credit Card, you get a 1% waiver on the fuel surcharge. This makes it a bit cheaper to fill up your vehicle.
• No Annual Fee if You Spend Enough: If you spend a lot in a year, the annual fee for your RBL Platinum Delight Credit Card will be waived. So, if you use the card regularly for big purchases, you can avoid paying the yearly fee.

Benefits of RBL Platinum Delight Credit Card

• Welcome Benefits – 4,000 Reward Points: When you get your RBL Platinum Delight Credit Card, you can earn 4,000 reward points if you use the card for a valid purchase within the first 30 days. To get this, you must pay a membership fee of Rs. 1,000. You’ll be notified about your welcome bonus through SMS or email within 60 days of getting your card.
• Earn Reward Points on Every Purchase: Every time you spend Rs. 100 on weekdays, you get 2 reward points. If you spend on weekends, you earn double – 4 reward points for every Rs. 100 spent. But remember, the most you can earn in a month is 1,000 reward points. You don’t get reward points for fuel, railways, utilities, insurance, wallet reloads, rentals, or other payments like that.
• Redeeming Your Reward Points: You can use your RBL Platinum Delight Credit Card reward points on the RBL Rewards website. Each reward point is worth Rs. 0.25 and can be used for hotel bookings, flights, mobile recharges, shopping vouchers, and lifestyle products. However, when you redeem your points, you’ll be charged Rs. 99 + GST as a redemption fee.
• Bonus Points Every Month: If you swipe your card 5 times a month for purchases of Rs. 1,000 or more, you get 1,000 bonus points. This bonus is not valid on fuel purchases, and you’ll get the bonus details within 30 days after you hit the target for the month.
• No Annual Fee if You Spend a Lot: If you spent more than Rs. 2 lakh in the previous year, the Rs. 1,000 renewal fee for your RBL Platinum Delight Credit Card will be waived. So, if you keep using the card regularly, you can avoid the yearly fee.
• Fuel Surcharge Waiver: You get a 1% waiver on the fuel surcharge when you use your card to buy fuel. This waiver is capped at Rs. 150 per month, and the fuel purchases should be between Rs. 400 and Rs. 5,000. This makes filling up your vehicle a little cheaper each time.

RBL Platinum Delight Credit Card | Eligibility Requirements

• Age Requirements: You need to be at least 18 years old to apply for the RBL Platinum Delight Credit Card. Some banks may ask you to be 21 years old. The maximum age to apply is usually between 60 and 65 years.
• Income Requirements: Your yearly income should be between INR 1 lakh to INR 3 lakhs to apply for the RBL Platinum Delight Credit Card. But for premium cards, banks may ask for higher income. The amount can change depending on the card.
• Stable Employment Status: Whether you work for yourself or have a salary, having a steady job and income is important. Banks prefer if you’ve been in your job for over a year, as this improves your chances of getting the card.
• Good Credit Score: Your credit score is one of the most important factors. A score between 750 and 900 is seen as excellent and can help you get approved for the RBL Platinum Delight Credit Card.
• Low Credit Utilization: Banks also check how much credit you are using compared to your credit limit. If you use less of your available credit, it shows you are good at handling your money, which banks like.
• Avoid Too Many Loans or Applications: If you apply for a lot of loans or credit cards quickly, it can lower your chances of getting approved. It’s better to wait at least six months before applying for another credit card to improve your chances.

Conclusion

The RBL Platinum Delight Credit Card is a great option for people who like to shop and spend regularly. It offers a variety of rewards, including welcome bonuses, double reward points on weekends, and monthly bonuses for frequent use. With benefits like a fuel surcharge waiver and no renewal fee, if you spend enough, it makes managing your expenses more rewarding. However, it’s important to keep an eye on fees like late payment interest and charges for using the card abroad. Overall, it’s a card full of perks for those who use it wisely.

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