Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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.
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.
In case you lose your credit card, you are secured against fraudulent transactions once your report the card.
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.
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.
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.
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.
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.
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.
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.
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.
| 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 |
Documentation required to complete your RBL Bank Classic Platinum credit card application is as follows.
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.
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.
No, interest is charged from the date of transaction on cash withdrawals.
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.
Pay your credit card bill using any of the following methods.
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