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

    Card
    1st Year Fee
    Rewards
    Joining Perks
    Upto 4,000
    Response Time Within 30 minutes

    RBL Bank Classic Reward Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Overview:

    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.

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    RBL Bank Classic Reward Credit Card Reviews

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