Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    We found 1 RBL Bank Classic Reward Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    Upto 4,000
    Response Time : Within 30 minutes
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    Fee Details
    RBL Bank Classic Reward Credit Card is Rated as "Satisfactory" by 1 Users

    Fees & Charges

    Promised Interest Rate

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    RBL Bank Classic Reward Credit Card

    The RBL Bank Classic Rewards Card carries a plethora of benefits for cardholders and their families. Have peace of mind with zero fraud liability. Access your account online anytime you want. Get cash when you need it from any ATM which accepts Mastercard all around the world. Flexible limits and international validity add to the appeal of this credit card. Earn rewards when you spend on your credit card which you can later redeem for a host of gifts and vouchers that include shopping, flight tickets, hotel stay, gadgets, and mobile recharges. Let your family enjoy a credit card for themselves with add-on cards. There are two card options available with the RBL Bank Classic Rewards Credit Card:

    • Smart Titanium Card
    • Smart Platinum Card

    Credit and cash advance limits will vary between the Titanium and Platinum card. Annual and joining fees will usually be different.

    Benefits of RBL Bank Classic Rewards Card:

    • Accelerated Reward points:

      For every Rs. 100 spent on your Rewards card, you are entitled to 4 reward points. Spend internationally, and your reward points will be doubled to 8 points for every Rs. 100 spent. Double reward points are offered across all categories that include supermarkets, groceries, travel, electrical products and much more. Redeem your points for shopping vouchers, mobile recharges, flights and hotels, personalised gifts and a range of latest products.

    • Add-on cards:

      Let your family in on the benefits of your RBL Bank Classic Rewards Card with add-on cards. Avail of up to 5 cards for your family members that include your parents, children and spouse. Children should have attained the age of 18 years.

    • No Fraud Liability:

      You are protected in case your card is lost. Report the loss or theft of your card immediately to RBL Bank and you will not be liable to pay for any fraudulent charges made on the card after reporting.

    • Global Cash Advance:

      Use your RBL Bank Classic Rewards Card to access cash anywhere in the world. You can withdraw money from any ATM that has the MasterCard, Cirrus or Maestro logo displayed. Cash advances attract a transaction fee and finance charges.

    Features of RBL Bank Classic Rewards Card:

    • Internet Banking:

      View your credit card statements, find out your available credit limit, billed amount, unbilled purchases and due dates from anywhere in the world. Access your online credit card account from the comfort of your own home or office.

    • Worldwide Validity:

      Enjoy international validity on your RBL Bank Classic Rewards Card. The card is accepted in over 1,20,000 merchant outlets in India and over 23 million outlets around the globe.

    • EMV chip and PIN enabled:

      Your Rewards Credit Card is enabled with a Personal Identification Number and has a microchip embedded in it. This enhances your protection against fraud, duplication and misuse of your credit card. All your transactions must be authorised by your PIN. Online transactions have a layer of a One-time password which will be sent to your registered phone or email to authenticate the transaction.

    • SMS and Email Alerts:

      Stay informed about your credit card with SMS and email alerts sent to your registered phone number and email address. Receive payment due dates, billed amounts, payment reminders, transactions and more regularly.

    • 24/7 Customer Care Service:

      For any queries or problems you may face with your RBL Bank Classic Rewards Card, you can contact the customer care provided by RBL Bank around the clock. The customer care executives will provide assistance with whatever you may require.

    • Flexi Credit Limit:

      Set your credit limit according to your wish. Cap spending limits and cash advances as per your requirements by calling the customer care number. You can also set different limits for your add-on cards.

    Important Fees and Charges:

    Charge Amount
    Titanium Platinum
    Joining Fee Communicated at the time of application.
    Annual Fee Up to Rs. 2,000 Up to Rs. 4,000
    Add on Cards Up to Rs. 500 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:

    Charge Amount
    Card replacement Rs. 200
    Chargeslip retrieval Rs. 100 per slip
    Duplicate Statement Rs. 100 per statement
    Auto-debit dishonor Rs. 500
    Cheque return Rs. 500
    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.
    Cash payment at branches Rs. 100
    Over limit charges Rs. 600
    Outstation Cheque Rs. 100
    Foreign Currency Transaction 3.5% + Mastercard charges

    Eligibility of RBL Bank Classic Rewards Card:

    • The RBL Bank Classic Rewards Card is offered by the bank at its sole discretion.
    • Up to 5 add-on cards can be availed of for parents, children and spouse.
    • Children should be at least 18 years old.

    Documents required for RBL Bank Classic Rewards Card:

    Documentation required to complete your credit card application is as follows.

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

    RBL Bank Classic Rewards Credit Card FAQs:

    1. Can my spouse use my credit card instead of applying for an add-on card?

      The main credit card is issued in your name and should be used only by you. For any other person to use your credit card, you must avail of add on cards for them. You can get up to 5 add on cards for your parents, spouse, and children who have attained the age of 18. Add-on card charges will be billed to you.

    2. Can I retain my RBL Bank Classic Rewards Card if I relocated to another country?

      The card is internationally valid but is available only for residential Indians. As per the RBI guidelines, you need to surrender your credit card before you emigrate or relocate outside of India.

    3. What are the options to pay my credit card bill?

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

      • Write out a cheque to “RBL Bank Credit Card No.”, followed by your 16-digit card number and deposit it in any of the drop boxes available at any RBL Bank branch or provided by Skypak.
      • Set a standing instruction using the ECS or SI facility with RBL Bank to automatically debit your bank account of the credit card bill amount.
      • You can also pay in cash at any RBL Bank Branch. You need to pay Rs. 100 to use this facility.
      • You can also use “Quick Bill Pay” to pay from any bank account.
      • Transfer funds towards your credit card using the National Electronic Funds transfer or NEFT.
      • Use Cards Online to make payments easily and quickly online.

    4. When is interest charged on my purchases?

      You will receive up to 50 days interest-free periods on your purchases. If you clear your credit card bill in full by the payment due date, you will not incur any interest. If you choose to carry forward an outstanding balance, interest will be charged. Interest rates can reach up to 3.40% per month. All fresh transactions will attract finance charges from the date of transaction. Cash advances always attract interest from the date of transaction.

    5. How do I regulate the credit limits on my add-on cards?

      You can regulate the credit limits on your main card and add-on cards by calling the customer care service that is available 24x7. You can assign different limits for each card. You can only assign a limit lower than the credit limit granted to you by RBL Bank.

    Top Other Credit Card by RBL Bank

    RBL Bank Classic Reward Credit Card Reviews

    • RBL Bank Credit Card
      "Customer friendly credit card"
      0.5 5.0/5 "Blown Away!"
      RBL is good credit card in my experience, I have a delight credit card. They are providing the same delight offers in movie tickets, cash back on e commerce site like amazon, flipkart. etc. Credit limit is also good, its higher than other credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 17, 2017
    • RBL Bank Credit Card
      "Good benefits and offers"
      0.5 4.0/5 "Great!"
      I have been using a credit card which i had taken from Ratnakar Bank for quite some time now and i am comfortable with the limit i have on the card. I have good offers on the card and also good benefits where there is no costs applied when purchases are converted to EMI payments.
      Was this review helpful? 0
      , jaipur
      Reviewed on Nov 17, 2017
    • RBL Bank Credit Card
      "not satisfied with the limit "
      0.5 3.0/5 "Satisfactory"
      I have a credit card with Ratnakar bank and the experience while getting the card from them has been good however i am not very satisfied with the limit that they have given me on the credit card. They have given me a much lesser limit than i required.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 2017
    • RBL Bank Credit Card
      "Convenient credit card"
      0.5 4.0/5 "Great!"
      Past one year I am using RBL credit card, their earning points and feature of online banking is very good to view about credit card transaction. EMI conversion, balance transfer options are good in mobile app. I don't want to call to the customer care.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 16, 2017
    • RBL Bank Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I use a credit card that i have taken from Ratnakar bank and the experience with them during the time of getting the card has been good. I also would say that the after service for the card was good too. I am satisfied with the limit on the card and with the usage.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 16, 2017
    • RBL Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken credit card with Ratnakar bank.The limit on the card is 49 thousand,i pay an annual fees of 500,happy with the limit as i hold multiple cards.Net banking is good and phone banking service is not up to the mark as they make us to wait on the queue.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 16, 2017
    • RBL Bank Credit Card
      "Marketing team has to be improved"
      0.5 2.0/5 "Expected more"
      Recently I got the RBL credit ca rd, the documentation process was not upto the mark, they keep on asking the same documents again and again. Finally they have dispatched the credit card but the limit is good, I would like to suggest their documentation process should be improved.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 16, 2017
    • RBL Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I wont use RBL credit card much I am little disappointed that their mobile application is not supportive with IOS I feel they need to improve their online net banking application but the customer service was fine it was totally a good experience with RBL for my credit card service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2017
    • RBL Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      RBL provides very good services on credit card when compared to all other credit cards. I am using this credit card from last 1 year. They did not charge any annual fee at the time of getting this credit card, this credit card is very convenient to use. Offers like cash back and reward points are also good in this credit card. I use this card for shopping and i find the credit limit is sufficient.
      Was this review helpful? 0
      , vadodara
      Reviewed on Nov 15, 2017
    • RBL Bank Credit Card
      "Okay"
      0.5 4.0/5 "Great!"
      I am having the credit card with the Ratnakar bank limited , also I would like to say its the best one too. Offers are really good one too like its a kind of fund card. I am happy with the Ratnakar bank limited credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Nov 15, 2017
    • RBL Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am having the credit card with the Ratnakar Bank Limited and the customer service is good too.I would like to say that the benefits are working in good way, also the credit limit value should be get increased.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Nov 15, 2017
    • RBL Bank Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using RBL credit card from last 3 months, the service provided by RBL credit card is good when compared to other credit cards. I get good offers like cash back and reward points. I paid an annual fee of Rs 2000 and the fee will be waived off based on the number of transactions. I use this card for general purpose and the credit limit is sufficient.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 15, 2017
    • RBL Bank Credit Card
      "Best card and convenient to use."
      0.5 4.0/5 "Great!"
      I hold a platinum delight card.The limit on the card is 52,000 cash limit is 14,000.Its an annual fees of 1000.Net banking payment options are very useful, and it is very easy to transfer the bill amount.The phone banking service are reachable at the right time for placing any query.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 15, 2017
    • RBL Bank Credit Card
      "Benefits has to be improved"
      0.5 3.0/5 "Satisfactory"
      RBL is not good in term of credit card offers and also their service is not upto the mark they have taken one week to complete the documentation process. But I felt interest rate is quite competitive as per the market and also they are taking some annual fee for the credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 14, 2017
    • RBL Bank Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am having the credit card with the Ratnakar Bank Limited bank and am holding it from the last three to four months of time. Response is good one with the Ratnakar Bank Limited credit card. Online banking service of the above mentioned bank is good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 14, 2017
    • RBL Bank Credit Card
      "FRAUDULENT BANK...PATHETIC SERVICE"
      0.5 0.5/5 "Unacceptable"
      Not providing NOC for account which I asked to close a year ago on 13nov2016 I am a happy customer of Citibank and SBI Cards. Previous year i fell in the trap of RBL.They kept on calling whole day for a mere amount of Rs. 400+ so I cleared the balance and asked me to close my service through call and mail on 13Nov2016. They blocked my account and on 15oct2017 when I tried to get a car loan... my CIBIL score was low due to this bank which says I have not paid their balance. So I went through their customer care. They apologized and said they will clear all charges and will provide me NOC so that I can get a loan but no response from their side. My loan was stuck so I was on the phone and after an hour or more i got Mr. Ravi Shukla (Supervisor) on the call and he promised me that everything will be done within three working days. Three working days all are over. I got a NOC and I was called by the ''adament'' supervisor.He tried to blame me for the whole situation.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 13, 2017
    • RBL Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am having the credit card with the Ratnakar Bank Limited and the rate of interest is not yet experienced. Response with the Ratnakar Bank Limited credit card is not really good like they are not comfortable in the regional language.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 13, 2017
    • RBL Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      RBL Bank is excellent in the credit card services. There is a fee of Rs. 499. There are cash back offers on the card. I get a 4% cash back on groceries and movie tickets and online shopping. The interest rate is also low on the EMI features. I get 13% and other banks offer 14%.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 11, 2017
    • RBL Bank Credit Card
      "Its Better"
      0.5 5.0/5 "Blown Away!"
      Very recently I got RBL credit card its good, it have all kind of options, EMI option, balance transfer, loan on credit card etc. Bank offered only Rs. 50,000 as a credit limit. Bill generation date is very convenient with RBL and its fall on good due date.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 11, 2017
    • RBL Bank Credit Card
      "Completely happy"
      0.5 5.0/5 "Blown Away!"
      I have been using RBL credit card for last 6 to 8 months.I used to make the payments on time. My credit score is good. The card provider is providing proper information. I hold domestic credit card. The offers are good with this card. I never called the customer service since there is no need.
      Was this review helpful? 0
      , pune
      Reviewed on Nov 10, 2017
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