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

    The RBL Bank Classic Shopper Credit Card is a card that is designed to make you a happy customer whether you spend locally or internationally. Earn rewards on all your spends which you can later redeem for a host of gifts and vouchers that include flights, hotels, gadgets, mobile recharges and shopping. There are three options available with the RBL Bank Classic Shopper Credit Card:

    Enjoy benefits of zero fraud liability, online banking, cash access, flexible limits, and international validity. Share the benefits of your credit card with your parents, children and spouse with up to 5 add-on cards.

    RBL Bank Classic Shopper Credit Card - Highlights

    • Titanium Card
    • Freedom Titanium Card
    • Freedom Titanium Cash Back Card

    Benefits of RBL Bank Classic Shopper Card

    • Reward points:

      Earn rewards as you shop. Get 2 reward points for every Rs. 100 you spend on your RBL Bank Classic Shopper Card. Redeem these rewards from an all-new programme introduced by RBL Bank. Rewards include flight tickets, hotel stays, retail shopping vouchers, curated personalized gifts, mobile recharges and latest gadgets and products.

    • Cash Advance:

      Withdraw cash from any ATM in India and abroad that displays the MasterCard, Cirrus or Maestro sign. A transaction fee will be charged for this service. Interest on cash withdrawals are levied from the date of transaction till the dues are settled.

    • Add-on cards:

      Share the features of your credit card with up to 5 of your family members. You can avail RBL bank add-on credit cards for your parents, children and spouse. Children should be above the age of 18 years.

    • No Fraud Liability:

      In case your card is lost or stolen, you need to inform RBL bank immediately. Once you have reported the card, you will not be held accountable for any fraudulent charges or purchases.

    Features of RBL Classic Shopper Credit Card

    • Global Acceptance:

      Enjoy shopping all over the world with your RBL Bank Classic Shopper Card. This credit card is accepted at over 23 million MasterCard outlets which includes 1.2 lakh outlets in India and Nepal. Buy in any currency and pay back the amount in Indian Rupees.

    • Enhanced Protection:

      The RBL Bank Classic Shopper Card has extra layers of protection in the form of an EMV chip and PIN. The Personal Identification Number (PIN) is used to authorise your transactions. Once you enter your PIN, the transaction will be verified and billed. For online transactions, you are protected by the OTP (One-time password) which is generated and sent to your registered email and mobile number. The OTP needs to be entered to authorise the transaction.

    • Flexible Credit Limits:

      Choose your credit and cash limit on your RBL Bank Classic Shopper Card. You can also set different limits on your add-on cards.

    • Active Alerts:

      Be up to date on your card information through email and SMS alerts. Be aware of every transaction, payment date missed, receipt of payment, card statement, and more.

    • Internet Banking:

      Access your credit card account anytime and from anywhere with RBL Bank Net Banking. View statements up to 6 months ago, view unbilled transactions, check available credit limits, request for demand drafts and balance transfers.

    • 24/7 Customer Care:

      RBL Bank provides a customer care service to assist you with any card-related queries and issues you might have. Contact the RBL bank credit card toll-free number at any time to resolve your questions or problems as soon as possible.

    Important Fees and Charges:

    Type of Charge Amount
    Joining Fee Communicated at the time of application
    Annual Fee Up to Rs. 2,000
    Add on Card Up to Rs. 500
    Interest on revolving credit Up to 3.4% per month (40.80% p.a.)
    Minimum due 5% of the amount due + Overlimit amount

    Related Fees and Charges:

    Type of Charge Amount
    Late Payment 15% of the total amount due, subject to a minimum of Rs. 350 and a maximum of Rs. 1,000.
    Call A Draft 2.5% of the transaction amount subject to a minimum of Rs. 300.
    Cash advance fee 2.5% of the transaction amount subject to a minimum of Rs. 300.
    Cash payment at branches Rs. 100
    Over limit charges Rs. 600
    Outstation Cheque Rs. 100
    Auto-debit dishonor Rs. 500
    Cheque return Rs. 500
    Chargeslip retrieval Rs. 100 per slip
    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.
    Duplicate Statement Rs. 100 per statement
    Card replacement Rs. 200
    Foreign Currency Transaction 3.5% + Mastercard charges

    Eligibility of RBL Bank Classic Shopper Card:

    Credit cards are offered at the sole discretion of RBL Bank. Kindly contact the bank for more information.

    Documents required for RBL Bank Classic Shopper Card:

    You need to submit the following documents to avail of the RBL Bank Classic Shopper Card. More documentation will be required as per RBL Bank norms.

    • A recent passport-sized photo.
    • ID Proof such as PAN Card, Voter’s ID, Passport, or any other Government photo ID as per KYC norms.
    • Address Proof such as Passport, Driving licence, Rental Agreement, Electricity/Phone/Utility Bill
    • Latest bank or credit card statement from another bank.

    RBL Bank Classic Shopper Credit Card FAQs

    1. If I emigrate, can I retain my credit card abroad?

      No, this card is valid only for residential Indians. If you leave the country for good, you have to surrender your credit card. The RBI guidelines state that you cannot hold this card if you are locating abroad for work or emigration.

    2. What should I do in case I lose my RBL Bank Classic Shopper credit card?

      In the event that your card is lost or stolen, you must report it to RBL Bank as soon as possible via the customer care helpline. Report the loss of your card and after that you will not be liable for any fraudulent transactions on your card.

    3. Where can I use my RBL Bank Classic Shopper Credit Card?

      You can use this credit card domestically and internationally. The card is valid at any merchant and ATM which accepts MasterCard, Maestro and Cirrus. The card is valid for international transactions where you can pay in any currency and settle the bill in Indian Rupees.

    4. How do I pay my RBL Bank Classic Shopper credit card bill?

      To pay your credit card bill, RBL Bank offers a number of options. Use any of the following methods to clear your credit card dues.

      • Visit any RBL Bank branch and pay in cash. A fee of Rs. 100 is applicable.
      • Drop a cheque into the drop boxes available at any RBL Bank branch or provided by Skypak.
      • Transfer funds towards your credit card using NEFT.
      • Use “Quick Bill Pay” to pay from any bank account. You can find this option on the RBL Bank website.
      • Use Cards Online. You can find this option on the RBL Bank website.
      • Provide RBL Bank with standing instructions to debit your bank account automatically. Either the full amount can be paid or the minimum amount due.
    5. Can I authorise a family member to use my RBL credit card?

      No, this is not possible. The RBL credit card issued in your name is for your personal use and cannot be used by anybody else. You may avail of up to 5 supplementary cards for your family members. You can choose the credit limit you wish to grant them and all charges to the add-on card will have to be paid by you.

      

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