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

    Key Highlights of the RBL Practo Plus Credit Card

    The Practo Plus credit card is one such card which specifically caters to your medical needs. In collaboration with Practo, RBL Bank has introduced this card in order to help their customers save money on medical or health spends throughout the year. It is the first card where any kind of purchases help you save more on your medical bills.

    • 24/7 doctor consultation for you and your family.
    • Complementary lounge access at domestic airports. Twice per quarter.
    • On your daily expenses, earn Healthcash.

    Features and Benefits of the RBL Practo Plus Credit Card

    Welcome Benefit

    • With the credit card, you can avail a complementary health check-up for you and your family.
    • You can discuss the results 24/7 with the doctor.
    • Under this benefit, you can avail the option of the samples being picked up from your home.
    • E-report will be available in 24 hours.
    • The tests will include a vitamin profile, Thyroid profile, blood count, iron deficiency profile, diabetes, etc.
    • The medical labs where the tests are conducted are accredited by NABL and CAP.

    Health Benefits

    • The RBL Practo Plus credit card offers you a 24/7 family doctor where all services are rendered for free.
    • The 24/7 family doctor team which is a part of the Practo Membership is available for you and your family all through the week.
    • The team can be connected through text, video or call.
    • Complete confidentiality between doctors and patients.
    • The consultation details can be accessed by the doctor and patient only.

    Health Cash Benefit

    • For every Rs.100 spent, you will earn 1 HealthCash.
    • 1 HealthCash equals to Re.1 and can be redeemed for services on Practo.
    • The HealthCash will automatically be credited to your Practo account on a monthly basis.

    Travel Benefits

    • With the RBL Practo Plus credit card, avail 2 complimentary airport lounge visits per quarter in the country.

    RBL Practo Plus Credit Card Limit

    The credit limit of the Practo Plus credit card by RBL Bank is assigned at the discretion of the bank. RBL Bank considers a number of factors before allocating the credit limit of the card. Some of these factors include the annual income of the primary applicant, the credit score, the credit report along with the repayment habit of past and ongoing debts.

    RBL Practo Plus Credit Card Fees and Charges

    Type of Charge Amount

    Annual Membership fee


    Add-on credit card fee


    Finance charges

    Up to 3.4% per month

    Cash advance transaction fee

    2.5% of the cash amount. Subject to a minimum of Rs.300.

    Over limit penalty


    Overdue penalty

    15% of the total amount due. Minimum of Rs.350 and maximum of Rs.1,000.

    Cash payment at branches

    Rs.250 per cash deposit made at RBL Bank branch.

    Cheque return/dishonour fee


    Surcharge on railway tickets

    1.8% of the ticket amount

    Foreign currency transaction


    Fuel transaction charge

    1% of the fuel transaction charge or Rs.10; whichever is higher.

    Eligibility Criteria for the RBL Practo Plus Credit Card

    The eligibility criteria for the credit card are as follows:

    • The primary applicant must be a resident or a non-resident of the country.
    • The minimum age of the applicant must be above 21 years.
    • The age of the add-on cardholder must be above 18 years.

    Documents Required to Apply for the RBL Practo Plus Credit Card

    • An identity proof which can include Aadhaar card, Passport or Driver's license.
    • Address proof which includes Aadhaar card, Passport, Driver's License or electricity bill.
    • Proof of income which can include salary slips, IT Returns or Form 16.
    • Apart from this, 1 passport size photograph must be submitted.

    The list of documents mentioned above is indicative. RBL Bank may ask you to furnish additional documents as and when required during the application procedure.

    How to Apply for the RBL Practo Plus Credit Card

    You can apply for the RBL Practo Plus credit card through offline or online methods. To apply for the card offline, you can get in touch with the bank through their customer care number +91 22 6232 7777. Along with this, you can also visit any branch of RBL Bank to apply for the card.

    RBL Practo Plus Credit Card FAQs

    • What is the annual fee of the RBL Practo Plus credit card?

    The annual fee for the credit card is Rs.2,000.

    • How can I apply for a credit card?

    You can apply for the card from the RBL Bank website, branch or BankBazaar.

    • Are there any reward points for the Practo Plus credit card?

    No, there are no reward points as such. Since this is a lifestyle credit card catering to you and your family's health, you will receive HealthCash which can be redeemed for services on Practo. For every Rs.100 spent on any transaction, 1 HealthCash is added to your card.

    • Are there any fuel benefits on the card?

    No, there are no fuel benefits which you will receive on the Practo Plus credit card. However, the card comes with travel benefits where you get 2 complimentary visits to domestic airport lounges per quarter.

    • What are the documents required to apply for the card?

    To apply for the Practo Plus credit card, you will need to submit your ID proof which can be your Aadhaar card, Passport or Driving License. Apart from this, you will need to submit documents such as Aadhaar card or Passport or an electricity bill of the house as Address Proof. Lastly, as Proof of Income, you will need to submit your latest salary slips, IT returns and Form 16.


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