Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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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    RBL Bank Classic Reward Credit Card is Rated as "Great!" by 2 Users
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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
      "Average"
      0.5 3.0/5 "Satisfactory"
      Nowadays , I am not using Ratnakar Bank Limited credit card because of their nil offers. Customer service and other things are good one for me. I would like to say that the response and other things are really good one for me with them.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 17, 2018
    • RBL Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I use the Platinum delight credit card from RBL . The credit limit of Rs,1,01,000 has been approved by RBL to the platinum delight card. I use this card for fuel and for other purchases. I get the rewards points and other benefits from this RBL platinum delight credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 16, 2018
    • RBL Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Got the book my show credit card with RBL around 3mointrhs ago. The customer support is good with the RBL and I got the credit limit of Rs,1,01,000. I use this card for shopping , ticket booking and for other usages. The rate of interest and the charges are average with the RBL.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 16, 2018
    • RBL Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      RBL bank provides good services on credit card when compared to all other credit cards. I am using this card from last 4-5 months and i pay an annual fee of Rs 700 which has to be paid every year for this credit card. I get offers on dining and buy 1 get 1 movie tickets. I use net banking for making payments and the credit limit is satisfactory.
      Was this review helpful? 0
      , thane
      Reviewed on Jan 15, 2018
    • RBL Bank Credit Card
      "Needs to improve"
      0.5 1.0/5 "Really Bad"
      I am not happy with the credit card services provided by RBL bank, I am using this credit card from last 6-7 months, There is no annual fee charged for this credit card. I did not find any offers in this credit card. There are too many charges and the rate of interest is way high when compared to all other credit cards. Customer service is not reachable many times. There is an EMI conversion offer in this credit card and i have a credit limit of Rs 79000.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 12, 2018
    • RBL Bank Credit Card
      "Average"
      0.5 2.0/5 "Expected more"
      I am using Ratnakar Bank Limited credit card from the last two months of time. Response is not really good one for me with them. Credit limit value is okay one for me with the Ratnakar Bank Limited bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 12, 2018
    • RBL Bank Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      I am very much happy and satisfied with RBL credit card service. I am holding this card for last 6 months. They offered a good credit limit around 50,000. They charge annual fee for my credit card. The customer services was good and there was no issues. I make the credit payment through net banking.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 12, 2018
    • RBL Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with RBL bank from last 2 months, the credit card services are comparatively good. There is no annual fee charged for the first year. I am not aware of any offers in this credit card. I did not find any offers in this credit card, i use net banking for making payments and they gave a credit limit of Rs 1 lakh which is sufficient for this credit card.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 12, 2018
    • RBL Bank Credit Card
      "Need Improvement"
      0.5 1.0/5 "Really Bad"
      The RBL credit card service is not up to mark. I have raised complaint around a month ago but still they haven't resolved my problem. The customer support need to be customer oriented. The response need to be improved with the RBL. I am satisfied with the credit limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 10, 2018
    • RBL Bank Credit Card
      "Good card with RATNAKAR BANK"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with RATNAKAR BANK . My current limit is 50000. I am much satisfied with the limit. i have done some purchases using the card.I get reward points and some cash back for every purchase using the credit card with RATNAKAR BANK.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 09, 2018
    • RBL Bank Credit Card
      "Average card to use"
      0.5 4.0/5 "Great!"
      I have the RBL platinum maxima credit card for past 6 months. The customer support service is not up to the mark , they need to improved with their service. The credit limit value is good with this card and I am satisfied with it. The rate of interest and the charges are high with this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 09, 2018
    • RBL Bank Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      From the last five months of time, I am using Ratnakar bank limited credit card. Response is good one for me with the Ratnakar bank limited credit card. Customer service is good one for me with them and the credit limit value is again 1.5 lakh Rupees like its a variant of other credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jan 09, 2018
    • RBL Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      The rate of interest and the charges are very high with the RBL bank titanium delight credit card. I was using the RBL titanium delight card for more than a year . The customer support is good with the RBL and they give good response to the customers. I am satisfied with the credit limit.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 08, 2018
    • RBL Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I got the RBL bank platinum maxima credit card around a month ago. I am not satisfied with the credit limit with the RBL bank platinum maxima card, I would say they need to increase the credit limit in future. The customer support is good with the RBL.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 08, 2018
    • RBL Bank Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      I have been banking the services of Ratnakar bank for last one year.The limit on the card is 98 thousand.I get payment alerts only after 3 days i am not happy with the service as i couldn't get a confirmation immediately post payment like other banks. It would be great if they work on the same.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 08, 2018
    • RBL Bank Credit Card
      "Needs to improve on Customer Service"
      0.5 4.0/5 "Great!"
      I have a credit card with RBL bank from last 2 years, i am happy with the credit card services, it is good when compared to all other credit cards. An annual fee of Rs 500 has to be paid every year for this credit card. I get lot of reward points on shopping. I make my payments by cash and they charge a penalty of Rs 100. I have a very good credit limit of Rs 1 lakh and the cash limit of Rs 15000 for this credit card.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jan 05, 2018
    • RBL Bank Credit Card
      "Best banking"
      0.5 5.0/5 "Blown Away!"
      I have purchased a credit card with Ratnakar bank.The limit on the card is 50,000 i am not happy to use the card.I have been banking with them for last three months i have not faced any issues with the card.The net banking and mobile App is very conformable to use.
      Was this review helpful? 0
      , chennai
      Reviewed on Jan 05, 2018
    • RBL Bank Credit Card
      "Better service"
      0.5 4.0/5 "Great!"
      I have taken credit card with Ratnakar Bank.the limit on the card is 35,000 The card is not applicable for an annual fees to use this card.I have been banking with them for last one year.I have not received a call in these years to explain the card features otherwise am happy with the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 04, 2018
    • RBL Bank Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I am using RBL credit card from last 1 month, i am happy with the credit card services, it is good when compared to all other credit cards. An annual fee of Rs 2999 has to be paid for this credit card but there is a criteria if the limit exceeds Rs 30000 then it will be a life time free credit card. I get offers like reward points and cash back in this credit card. I make my payments through cheque. I have a credit limit of Rs 75000 with the cash limit of Rs 21000 for this credit card.
      Was this review helpful? 0
      , navi mumbai
      Reviewed on Jan 04, 2018
    • RBL Bank Credit Card
      "Good for shopping"
      0.5 4.0/5 "Great!"
      I hold a credit card with RBL bank with a limit of 50000. I am satisfied with the limit. I am using this account for the past 6 months.They had some joining charges but not the annual charges. Just did some shopping. I have redeemed those points.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jan 03, 2018
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