Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • RBL Bank Classic Platinum Credit Card

    The RBL Bank Classic Platinum card earns you double the reward points on purchases in India and four times that on purchases done abroad. These points can be redeemed across a whole lot of categories that range from hotel stays and flight tickets to electronic gadgets and mobile recharges. The advantage of this card is that you can make purchases internationally in any currency but use Indian rupees to pay it back. You can also manage your expenses better by using the ''Flexi Limit'' option that lets you set your own credit limit, including a differential limit on any add-on cards. You can also access cash from within your cash limit at any MasterCard, Maestro, or Cirrus sign ATM machine in India or abroad. The Zero Fraud liability cover ensures that you won't be responsible for any fraudulent transactions done on your card.

    Benefits of RBL Bank Classic Platinum Credit Card

    • Earn Rewards:

      Making shopping more rewarding with your RBL Bank Classic Platinum Credit Card. Earn 2 points for every Rs. 100 spent locally. Use your card internationally and earn 4 points for every Rs. 100 spent abroad. You can redeem the reward points collected from the rewards catalogue that includes personalised gifts, shopping vouchers, flights and hotel bookings, mobile recharges, and a range of other products.

    • Zero Lost Card Liability:

      In case you lose your credit card, you are secured against fraudulent transactions once your report the card.

    • Supplementary cards:

      You can avail RBL add-on credit cards for up to 5 family members that include your spouse, parents and children. Children are eligible only if they have reached 18 years of age. You can set the credit limits as per your requirements and the charges will be billed to you.

    • Ready Cash:

      Have 24/7 access to cash around the world with your RBL Bank Classic Platinum Credit Card. Make cash withdrawals from any Mastercard ATM around the globe.

    • Flexi Credit Limit:

      You can regulate the spending limits on your own credit card and your add on cards. Simply call the RBL bank credit card customer care and request them to cap the credit limit account to the desired amount. You may only reduce the credit limit which RBL Bank has granted to you.

    Features of RBL Classic Platinum Credit Card:

    • EMV chip and PIN enabled:

      Every RBL Bank Classic Platinum Card is embedded with an EMV chip and has a Personal Identification Number attached to it. These features provide extra protection against misuse, fraud, and duplication of your credit card. Any merchant transaction must be authenticated with your PIN to verify your identity. Any online transaction must be authorized with a one-time password which will be sent to your registered email or phone.

    • International Validity:

      Your RBL Bank Classic Platinum Card is valid around the world. Use your card at any merchant outlet that accepts Mastercard which includes more than 1,20,000 merchant outlets in India and over 23 million outlets internationally.

    • 24/7 Account Access:

      Access your online credit card account from anywhere in the world. Log into to your internet banking account at any time to view statements, make payments and check transactions and unbilled purchases, and more.

    • 24/7 Customer Care Service:

      RBL provides a customer care hotline that is at your service around the clock. Call the toll-free number for any issues or queries you may have.

    • SMS and Email Alerts:

      Receive alerts on your registered phone number and email address regarding your transactions, payment due dates, bill amounts, missed payments and more. Stay up to date and stay informed on all your credit card details.

    Important Fees and Charges:

    Type of Charge Amount
    Joining Fee Communicated at the time of application.
    Annual Fee Up to Rs. 4,000
    Add on Cards Up to Rs. 1,000
    Interest on revolving credit Up to 3.4% per month (40.80% p.a.)
    Minimum due 5% of the total amount due + any amount over limit

    Other Charges:

    Type of Charge Amount
    Cash advance fee 2.5% of the transaction amount (subject to a minimum of Rs. 300)
    Call A Draft 2.5% of the transaction amount (subject to a minimum of Rs. 300)
    Late Payment 15% of the total amount due (subject to Rs. 350 minimum and Rs. 1,000 maximum)
    Booking Railway ticket charges 1.8% of the (ticket amount + IRCTC service charge)
    Fuel surcharge 2.5 % of the transaction (subject to a minimum of Rs. 10)
    Over limit charges Rs. 600
    Cash payment at branches Rs. 100
    Foreign Currency Transaction 3.5% + Mastercard fees
    Outstation Cheque Rs. 100
    Duplicate Statement Rs. 100
    Card replacement Rs. 200
    Chargeslip retrieval Rs. 100
    Cheque return Rs. 500
    Auto-debit dishonor Rs. 500

    Eligibility of RBL Bank Classic Platinum Card:

    • The RBL Bank Classic Platinum Card is offered by RBL bank at its sole discretion.
    • Add on cards can be availed of for up to 5 family members.
    • Family members include spouse, parents, and children who have attained the age of 18 years.

    Documents required for RBL Classic Platinum Credit Card:

    Documentation required to complete your RBL Bank Classic Platinum credit card application is as follows.

    • Address Proof (Any one of the following)
      • Rental Agreement, Passport, Driving licence, Latest bank or credit card statement from another bank, Phone Bill, Electricity Bill, any other Utility Bill.
    • ID Proof (Any one of the following)
      • Voter’s ID, Passport, PAN Card, or any other Government photo ID.
    • Income proof and other documents required will be communicated by RBL Bank at the time of application.
    • A recent passport-sized photo.

    RBL Bank Classic Platinum Credit Card FAQs

    1. How many days credit is granted by RBL Bank on my Classic Platinum Card?

      RBL Bank grants up to 50 days interest-free on any purchase made on your Classic Platinum Credit Card. Depending on the date of purchase and your billing date, the number of interest-free days will be calculated. Clear your bills in full to receive an interest-free period on all purchases.

    2. When will RBL Bank charge interest on my Classic Platinum Credit Card?

      Interest is charged only when you carry forward a balance from the previous month’s statement. If you pay your credit card bill in full, no interest is applicable. You can incur up to 3.40% per month on your outstanding balance. Furthermore, all subsequent purchases will attract interest from the date of transaction.

    3. Is there an interest-free period on cash advances?

      No, interest is charged from the date of transaction on cash withdrawals.

    4. How do I change the credit limit on my credit card?

      You can set credit limits on your main and add-on credit cards by calling the RBL customer care. A customer care executive will set the limit to the desired amount as per your request. You can only request for the credit limit to be reduced from what it was originally.

    5. How do I pay my RBL Bank Classic Platinum Credit Card Bill?

      Pay your credit card bill using any of the following methods.

      • Standing Instructions/ECS: Set a standing instruction using the ECS or SI facility with RBL Bank. The bank will automatically debit your bank account of the credit card bill amount on the due date.
      • Cheque: Deposit a cheque at any RBL Bank branch in the drop boxes available or any drop box provided by Skypak.
      • Cash: Visit any RBL Bank branch to pay your bill in cash. The bank charges Rs. 100 for this service.
      • Quick Bill Pay: You can also use “Quick Bill Pay” to pay from any bank account.
      • National Electronic Funds Transfer: Make a transfer of funds from your bank account towards your credit card using the National Electronic Funds transfer or NEFT.
      • Cards Online: Cards Online is an easy credit card payment option available on the RBL Bank website.
      

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