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  • RBL Bank Balance Transfer is Rated as "Great!" by 417 Users
    Credit Card BYTES FROM OUR KITCHEN

    RBL Bank Balance Transfer

    Overview

    RBL Bank offers the facility of “Transfer n’ Pay” which allows customers to transfer outstanding balances on other credit cards to an RBL credit card and then pay the amount in convenient EMIs. Benefit from lower interest rates and paying the outstanding balance in instalments. Enjoy a longer free credit period and save on paying high interest rates.

    Features of RBL Bank Transfer n’ Pay

    • Immediate transfer - The transfer of your balance will be done instantly.
    • Zero documentation - There are no documents required to avail of this facility.
    • Choice of tenure - You can opt for 3, 6 or 12-month tenures to repay the outstanding balance.
    • Paperless Money Remittance - There will be no cash transactions in the process of Transfer n’ Pay.
    • Transfer limits - The minimum transfer amount is Rs.10,000. The maximum amount admissible is 80% of the available credit limit assigned to the primary RBL Bank credit card held by the customer.
    • Credit Period - For customers who make full payments on their credit cards, the interest-free period of up to 50-days will continue for any purchases made on the credit card, regardless of the balance transfer done.
    • Minimum Due - The minimum amount due reflecting in your monthly credit card statement will include the percentage due from the total outstanding balance + balance transfer EMI. The minimum due on the outstanding balance is 7%. RBL Bank will then add the balance transfer EMI amount and arrive at your monthly minimum amount due.

    RBL Bank Credit Card Balance Transfer Eligibility

    The eligibility criteria is determined by RBL Bank. Select RBL Bank credit cardholders will be offered the balance transfer facility. You should fit into the following general criteria to qualify for Transfer n’ Pay:

    • You should be a resident of India.
    • You should hold a valid and current primary credit card from RBL Bank.
    • You should have no overdue amount on the card of more than 60 days.

    RBL Bank Credit Card Balance Transfer Interest Rate

    The interest rate offered by RBL Bank on balance transfers depends on the tenure chosen. Interest is calculated on a reducing principal balance.

    Tenure Interest Rate
    3 months 0% p.a.
    6 months 21% p.a.
    12 months 21% p.a.

    RBL Bank Credit Card Balance Transfer Service charges

    Listed below are the charges applicable for the Transfer n’ Pay scheme of RBL Bank.

    • Processing Fees will be communicated at the time of opting for Balance Transfer.
    • Service Tax payable is calculated as per the government norms.
    • Preclosure charges at 3% of the principal outstanding

    RBL Bank Credit Card Balance Transfer Cancellation

    In case you wish to cancel your request for Balance Transfer, you can do so within 10 days of the service being booked. Any fees or interest charged will be reversed. You will not have to pay RBL Bank anything.

    If in case within those 10 days, the money has been successfully transferred to the other bank’s credit card, resulting in a clear credit of the customer with the other bank, then the fees will not be reversed. However, you can still make the cancellation.

    RBL Bank Credit Card Balance Transfer Foreclosure

    In case you choose to foreclose the balance transfer after 10 days, all charges will not be reversible and will have to be forfeited by the customer. Furthermore, 3% of the outstanding principal will be charged as foreclosure penalties.

    Apply for RBL Bank Credit Card Balance Transfer

    • To apply for Transfer n’ Pay, you can call RBL Bank and place a request.
    • After requesting the customer care for the Transfer n’ Pay service, to initiate the booking, you need to send an SMS:
    • BTY (Last 4 digits of other bank’s credit card number) to 5607011. For example, “BTY 4673”
    • According to your eligibility, your request will be approved or denied.

    Credit Card Reviews

    • RBL Bank Credit Card
      "Satisfied"
      0.5 4.0/5 "Great!"
      The credit limit is good at Ratnakar Bank, it is around 80K to one lakh. There are charges of 2K for the credit card. The fee is reimbursed in the form of vouchers. Though I am yet to get the voucher, when I do I can use it for purchasing something at Amazon.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 24, 2018
    • RBL Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      RBL has offered me the credit limit value of Rs,1,11,000 with the RBL PLATINUM MAXIMA CREDIT CARD. I have got this credit card around 8 months ago. The customer support service is good with the RBL. The rewards points and the benefits are good with the RBL PLATINUM MAXIMA CREDIT CARD.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 22, 2018
    • RBL Bank Credit Card
      "Looking for better credit limit"
      0.5 3.0/5 "Satisfactory"
      I am using RBL credit card around 11 months but still they didn't enhance the limit of Rs. 35,000. I would like suggest to upgrade my credit limit and their IVR system is not upto the mark they don't have regional Tamil language option, only they have English or Hindi option, that has to be improved.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 21, 2018
    • RBL Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I am satisfied with the RBL credit card service. Their mobile app is good and I can login to the website any time and check for the statements. It is more convenient. I never contacted the customer support. I have been using the card for 6 to 8 months. They offered a good credit limit.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • RBL Bank Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      I am happy with Ratnakar Bank. I hold a credit card and they have offered me a 50K limit. There are charges for the card. But the bank offers me 11000 points which is equal to 2k, I can redeem the points as per my requirement. So far I have got 60 thousand points in six months which is of 12K.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 20, 2018
    • RBL Bank Credit Card
      "Charges should be reduced"
      0.5 3.0/5 "Satisfactory"
      RBL has lower credit card around Rs. 35,000 but they have good offers. However their charges was also high based on the transaction. RBL charged me Rs. 2000 joining fee, they were not clearly informed to me about the charges. I hope RBL has some annual fee as well.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 20, 2018
    • RBL Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      There is no annual fee for this RBL TITANIUM DELIGHT CREDIT CARD. The customer support service is good with the RBL and they give good response to the customers. The credit limit value is low with this RBL TITANIUM DELIGHT CREDIT CARD and I am not satisfied with it.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 20, 2018
    • RBL Bank Credit Card
      "Not satisfied with the limit"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with RATNAKAR BANK with a limit of 35000. I am not satisfied with my limit. I have done some purchases using the card. I have not received any cash back but reward points is there with the card.There is an annual charge RATNAKAR BANK and i am using the mobile banking facility.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • RBL Bank Credit Card
      "Good card to use"
      0.5 4.5/5 "Excellent!"
      I hold the RBL PLATINUM MAXIMA CREDIT CARD for more than a year. The customer support service is good with the RBL. The credit limit value is good with the RBL PLATINUM MAXIMA CREDIT CARD and I am satisfied with it. There is annual fee of Rs,499 to this card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 19, 2018
    • RBL Bank Credit Card
      "Benefits are good"
      0.5 5.0/5 "Blown Away!"
      Ratnakar Bank has also offered me a credit card. It is better than SBI because it has more offers like two movie tickets for free on monthly basis. The points are also double. The credit limit is also good and there are charges for the card, but I get equal points for that.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 19, 2018
    • RBL Bank Credit Card
      "Good card to hold"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with RBL with a limit of 88000. For the past 3 years i am using this card. I have received reward points and cash back with the card. There is no annual charge with the card. Recently they have updated the mobile banking and it is good.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Feb 19, 2018
    • RBL Bank Credit Card
      "More than satisfactory"
      0.5 5.0/5 "Blown Away!"
      Ratnakar Bank is far better that SBI for the credit card. They will waive off the annual fee, if I use my card for 90K. I have already used 90K in three months. They also have the cheque drop facility. They do not charge the extra 100 is it is a cheque of another bank. Where as SBI charges for the same. There are reward points on the card which can be renewed for fuel or Air tickets.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 19, 2018
    • RBL Bank Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      RBL is my second card, whenever I try to make the payment through their payment gate its very convenient and they won't take any charges though my payment reflects after the due date. They are offering average reward points on RBL platinum card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Feb 16, 2018
    • RBL Bank Credit Card
      "Average Credit Card"
      0.5 3.0/5 "Satisfactory"
      My general assumption of the card is pretty low. I didn't like the card and felt the Bank is also not backing up that much. Customer care doesn't ever connect. They have given me only an average limit in this Credit Card. Overall experience has been pretty bad.
      Was this review helpful? 0
      , faridabad
      Reviewed on Feb 16, 2018
    • RBL Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      Around a year ago , I have got the RBL IKON CREDIT CARD. The customer support service is not up to the mark with the RBL . I can't reach the customer care of RBL at least once, the customer support service need to improve with the RBL credit card department. I got the high credit limit value with this IKON CREDIT CARD and I am satisfied with it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
    • RBL Bank Credit Card
      "Average card to use"
      0.5 3.0/5 "Satisfactory"
      I recently got the RBL Supper save credit card , The customer support service is good with the RBL. The credit limit value is average with this RBL Supper save credit card, it would be good, if they can increase the credit limit value, there is a cash back offer if we use this card within 60 days of time.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 16, 2018
    • RBL Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      When I had applied for the loan, they gave me RBL bank credit card. But the credit limit is fine, it would be great if they enhance the card limit. They had told me whenever I do any transaction I get some good cash back or voucher for the purchase.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2018
    • RBL Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have been using this ratnakar bank credit card for a year. The credit limit which is given to me is not upto the expectation, hoping for the credit limit to be increased. Customer service and response is good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2018
    • RBL Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I have taekn a cerdit card with Ratnakar bank,the limit on the card is 75,000,i have taekn this card six months back.The card has an annul fees,I don't use this card often,the card process was very simple and door step service were given for the same.The card was offered as complimentary service as i have taekn a loan from them.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Feb 15, 2018
    • RBL Bank Credit Card
      "GOOD SERVICE"
      0.5 4.0/5 "Great!"
      It s a good experience with Rbl credit card department. The customer support is good with Rbl. Rbl offer me with a very good credit limit. The rate of interest and charges is good with Rbl. It is totally a good experience with Rbl credit card department.
      Was this review helpful? 0
      , mumbai
      Reviewed on Feb 15, 2018
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