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

    Key Highlights of RBL Bank Practo Plus Credit Card

    • Get one free full body health checkup.
    • Enjoy unlimited online health consultation for you and your family.
    • Earn Healthcash against all expenses charged on your credit card.
    • Enjoy 2 complimentary domestic airport lounge access every quarter.

    Features and Benefits of the RBL Bank 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 avail unlimited online consultations with doctors. This benefit can be availed by you and your family.
    • Earn 1 Practo HealthCash against every Rs.100 spent on the credit card.

    Health Benefits

    • Avail a free full body health checkup on joining.
    • Avail limitless health consultations for you and your family using the chat option.
    • Earn Practo HealthCash on all spends and use the same for availing any services offered by Practo.

    Health Cash Benefit

    • For every Rs.100 spent on the card, 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 Bank Practo Plus credit card, avail 2 complimentary airport lounge visits per quarter in the country.

    RBL Bank 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 card limit . 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 Bank Practo Plus Credit Card Fees and Charges

    Type of Fee Amount
    Joining Membership fee Rs.2,000
    Annual Renewal Membership Fee Rs.2,000
    Add-on credit card fee Nil
    Finance charges Up to 3.99% per month or 47.88% per annum
    Cash advance transaction fee 2.5% of the cash amount. Subject to a minimum of Rs.500.
    Over limit penalty Rs.600
    Overdue penalty 15% of the total amount due. Minimum of Rs.50 and maximum of Rs.1,250.
    Cash payment at branches Rs.250 per cash deposit made at RBL Bank branch.
    Cheque return/dishonour fee Rs.500
    Surcharge on railway tickets 1.8% of the ticket amount + IRCTC service charge
    Foreign currency transaction Up to 3.50%
    Fuel transaction charge 1% of the fuel transaction charge or Rs.10; whichever is higher.

    Eligibility Criteria for the RBL Bank 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 RBL Bank 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 Bank Practo Plus Credit Card

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

    RBL Bank Practo Plus Credit Card FAQs

    1. What is the annual fee of the RBL Bank Practo Plus credit card?

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

    2. How can I apply for a credit card?

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

    3. 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.

    4. 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.

    5. 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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