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  • RBL Bank Credit Cards

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    RBL Bank is one of the fastest growing commercial banks that is continuing its expansion rapidly. RBL Bank currently has 183 branches and 351 ATMS that span across 18 states in India. RBL Bank offers a variety of credit cards designed to suit the different needs of people. Avail of credit cards that are designed specifically for golf enthusiasts, cricket fans, shoppers, diners and entertainment freaks. Enjoy credit periods of up to 50 days on your credit card. Pay it back at your convenience of only the minimum amount due or the full amount. Choose to revolve your credit at finance charges of up to 3.4% per month. Each card has delightful features on offer that includes reward points, cash advances, fuel surcharges, add on cards and more.

    Why Choose RBL Bank Credit Card?

    RBL credit cards cater to a wide variety of customers. Whether you need a basic credit card or an elite card, RBL has it all on offer. The credit cards are packed with benefits that are designed to suit different needs and wants of people. The cards focus on anti-fraud, flexible credit limits, cash advances, reward points, and specialized privileges. Be a part of hand-picked rewards, cash back, discounts, concierge services and personalised offers.

    RBL Credit Card Application
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    List of RBL Bank Credit Card:

    • Insignia Preferred Banking World Card: This card is designed to pamper and treat you to comfort and luxury. The card carries innumerable benefits and privileges that include grand hotel stays, curated rewards, luxurious holidays, delectable culinary experiences and more created especially for you.
    • IGU NHS Golf World Card: This card is designed for the golf enthusiast, aspiring golfers and young golfers. Get golfing benefits that never end which includes membership into NHS, complimentary golf rounds, unlimited golf lessons, discounted Green Fees and golf accessories.
    • Platinum Maxima Card: Enjoy benefits worth Rs. 20,000, airport lounge access, bonus reward points and free movie tickets with this credit card. Earn rewards while you spend and redeem them for a host of products and vouchers.
    • RBL Bank Fun+ Credit Card: Designed for fun and entertainment, this card is brought to you in association with KFC, Pizza Hut and BookMyShow. Get welcome offers and complimentary vouchers with this credit card.
    • Platinum Delight Card: Earn rewards and more rewards with your Platinum Delight card. Get 4,000 points when you swipe within 60 days of card issuance.
    • Platinum Cricket Card: A card designed for sports enthusiasts, The Platinum Cricket Credit Card gives you a unique opportunity to enjoy the game with the Delhi Daredevils. Get privileges and perks that include reserved seats and party invites.
    • Titanium Delight Card: Earn rewards while you spend. The credit card comes with a host of benefits such as an annual fee waiver if you spend Rs. 1 lakh in the first year. Earn 2,000 reward points when you swipe within 2 months of card issuance.
    • Classic Shopper Cards: This card comes in three options: Titanium Card, Freedom Titanium Card and Freedom Titanium Cash Back Card. Earn 2 reward points for every Rs. 100 spent.
    • Classic Reward Cards: Earn accelerated rewards with this credit card. Get 4 points for every Rs. 100 spent domestically. Get your points doubled when you spend abroad earning 8 points for every Rs. 100 you spend.
    • Classic Platinum Card: This Classic card lets you earn 2 reward points for every Rs. 100 spent domestically. Spend internationally to earn 4 reward points for every Rs. 100 spent.

    Features and Benefits of RBL Bank Credit Card:

    • Enhanced Protection:

      RBL Bank offers credit cards that are embedded with an EMV Microchip which enhances protection against misuse and duplication. The card is also PIN enabled which is a Personal Identification Number. This number is required to authenticate your transactions at merchant outlets. For online transactions, a one-time password is required to verify your transactions.

    • Active Alerts:

      Be up to date on all your transaction, payment date missed, receipt of bill payment, monthly card statement and more with SMS and email alerts sent regularly.

    • Flexible Credit Limits:

      RBL Bank offers a unique feature on its credit cards which allows you to curb the spending limits on your credit card. You can also set credit limits on your add on cards to suit the needs of your family members.

    • Online Banking:

      Access your credit card account online anywhere and at any time. Enjoy easy and convenient access to bank statements, unbilled purchases, view up to 6 months statements, credit card due dates and more. You can also request for EMI options and balance transfers.

    • 24/7 Customer Care:

      With RBL Bank, your problems will be resolved quickly and conveniently with the help of the 24/7 customer care service. Call on the toll-free hotline for any queries or issues you may have regarding your RBL Bank credit card.

    • Reward points:

      RBL Bank rewards you when you spend on your credit card. Get welcome points, bonus points and accelerated rewards on select RBL Bank credit cards. Collect and redeem your points from a range of vouchers, products, flights, hotels and much more.

    • Cash Advance:

      Get cash any time you need with your RBL Bank credit card. Visit any ATM that displays the logo of Mastercard, Maestro or Cirrus to make a withdrawal anywhere in the world. Cash transactions will attract a fee and finance charges from the date of transaction.

    • Add-on cards:

      RBL offers supplementary cards for your family members. You can avail of up to 5 cards for your spouse, parents and children. Set the credit limits for each card as per your requirements.

    • No Fraud Liability:

      In case you lose your RBL Bank credit card, you can report the loss to the customer care immediately. After reporting, you will not be held liable for any fraudulent transactions carried out on your credit card.

    • Specialized Privileges:

      Select cards carry specialized benefits that include priority pass membership, lounge access, dining privileges, golfing lessons, golf memberships, travel and flight benefits and more.

    Charges and Interest of RBL Bank Card:

    Type of card Joining Fee Annual Fee Add on Interest Minimum Due
    Insignia Preferred Banking World Card Information not available
    IGU NHS Golf World Card Nil Nil Nil Up to 3.4% per month (40.80% p.a.) 5% of the amount due + EMI + Overlimit amount
    Platinum Maxima Card Nil Upto Rs. 4,000 Up to Rs. 1,000 Up to 3.4% per month (40.80% p.a.) 5% of the amount due + EMI + Overlimit amount
    RBL Bank Fun+ Credit Card Nil Rs. 499 Up to Rs. 1,000 Up to 3.4% per month (40.80% p.a.) 5% of the amount due + EMI + Overlimit amount
    Platinum Delight Card Nil Upto Rs. 4,000 Up to Rs. 1,000 Up to 3.4% per month (40.80% p.a.) 5% of the amount due + EMI + Overlimit amount
    Platinum Cricket Card Nil Upto Rs. 4,000 Up to Rs. 1,000 Up to 3.4% per month (40.80% p.a.) 5% of the amount due + EMI + Overlimit amount
    Titanium Delight Card Nil Upto Rs. 2,000 Up to Rs. 500 Up to 3.4% per month (40.80% p.a.) 5% of the amount due + EMI + Overlimit amount
    Classic Shopper Cards Nil Upto Rs. 2,000 Up to Rs. 500 Up to 3.4% per month (40.80% p.a.) 5% of the amount due + EMI + Overlimit amount
    Classic Reward Cards Nil Upto Rs. 4,000 Up to Rs. 1,000 Up to 3.4% per month (40.80% p.a.) 5% of the amount due + EMI + Overlimit amount
    Classic Platinum Card Nil Upto Rs. 4,000 Up to Rs. 1,000 Up to 3.4% per month (40.80% p.a.) 5% of the amount due + EMI + Overlimit amount

    Rewards Programme:

    Earn reward points as you shop with your RBL Bank credit card. Each card has a different rewards scheme. Please refer to the table below to see the rewards scheme on your credit card.

    Type of card Welcome offer For every Rs. 100 spent Accelerated rewards Bonus points
    Domestic International
    Insignia Preferred Banking World Card 20,000 points (Optional) 5 points 5 points NA NA
    IGU NHS Golf World Card NA 2 points 2 points 10 points when you spend at select partners NA
    Platinum Maxima Card 8,000 reward points when you swipe within 60 days of issuance 2 points 10 points 10 points on dining, entertainment, utility bills, fuel. 10,000 points on spending Rs. 2 lakhs + 10,000 points on spending 3.5 lakhs in a year.
    RBL Bank Fun+ Credit Card NA 1 point (except on fuel) 1 point (except on fuel) 10 points at Pizza Hut, KFC and bookmyshow.com NA
    Platinum Delight Card NA 2 points 2 points NA NA
    Platinum Cricket Card 4,000 runs (optional) 2 runs 2 runs 4 runs on dining, hotels and air travel. 1 wicket for every Rs. 1 lakh spent
    Titanium Delight Card 2,000 points on first swipe within 60 days. Plus 1,000 points if Rs. 10,000 is spent in the next 60 days. 1 point 1 point NA 4,000 points on spending Rs. 1.2 lakhs in year.
    Classic Shopper Cards NA 2 points 2 points NA NA
    Classic Reward Cards NA 4 points 8 points NA NA
    Classic Platinum Card NA 2 points 4 points NA NA

    Eligibility for RBL Bank Credit Card:

    • RBL Bank Credit Cards are offered by the bank at its sole discretion.
    • Applicants should be at least 18 years old.
    • Up to 5 add-on cards can be availed of for parents, children and spouse. Children should also be at least 18 years old.

    Documentation required for RBL Bank Credit Card:

    Documents required will be communicated by RBL Bank at the time of applying for a credit card. You need to submit the following documents to avail of an RBL Credit Card.

    • A recent passport-sized photo.
    • ID Proof (Any one of the following)
      • PAN Card
      • Voter’s ID
      • Passport
      • Any Government Photo ID
    • Address Proof (Any one of the following)
      • Passport
      • Driving licence
      • Rental Agreement
      • Electricity/Phone/Utility Bill
      • Latest bank or credit card statement from another bank
    • Income Proof (Any one of the following)
      • Latest Salary Slip
      • Income Tax Returns
      • Bank Statements
      • Form 16

    RBL Bank credit card FAQs: 

    1. What should I do in case I lose my RBL Bank credit card?

      If you lose your RBL Bank credit card, immediately contact the 24-hour toll free customer care provided by RBL Bank. Report the lost or stolen card to the customer care. Once this is done, you will not be held liable for any transactions made on your card after.

    2. How do I pay my RBL Bank credit card bill?

      You can use any of the following methods to make payments towards your credit card.

      • NEFT - You can use the National Electronic Funds Transfer option. Transfer funds using the IFSC code to your credit card account.
      • Cheque - Deposit a cheque at any designated Credit Card Payment boxes at an RBL Bank branch. You can also use drop boxes offered by Skypak.
      • Cash - Visit any RBL Bank branch to make a payment in cash. Rs. 100 is charged for this service.
      • Cards Online - Log into the online portal “Cards Online” to pay your credit card bill.
      • Quick Bill Pay - Pay your credit card bill using “Quick Bill Pay” from any bank account.
      • ECS or Standing Instructions - Pay your credit card bill easily by setting standing instructions with RBL Bank to automatically debit your account to pay the minimum amount due or the full credit card bill on the payment due date.
    3. What is the credit and cash advance limits available on RBL Bank credit cards?

      Your eligible credit limit depends on the card of your choice and your income bracket. Your cash limit will be a percentage of the available or total credit limit. This limit will be indicated on the billing statement of your credit card every month.

    4. Why do I need add-on cards?

      Add-on cards can be taken for your family members which includes only your spouse, parents and children. You can share the benefits and convenience of a credit card with your family members. These cards will be issued under the primary card. All charges will be billed to the primary card. Reward points accumulated will also be credited to the main card. You have full control over these cards as to the credit limit you would like to allow for each add-on card.

    5. Where can I use my RBL Bank Credit Card?

      You can use an RBL Bank credit card domestically and internationally. The card is valid at any merchant and ATM which accepts MasterCard, Maestro and Cirrus. You can also use your card to shop online.

      

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    RBL Bank Credit Cards Reviews

    • RBL Bank Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I am holding RATNAKAR BANK credit card for more than 2 years. It is an annual fee chargeable card of 1000 rupees and there is an option for a waiver off for a certain amount of usage. EMI option is applicable and charges are nominal. I use this card for many purposes.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • RBL Bank
      RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which was taken through Bank .I am using this credit card for the past 1 year and it was a chargeable card ,I have got my credit card on time without any delay .The credit limit was really good and there was no drawbacks faced .I am realy satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which was taken through Bank directly. I am using this credit card for the past 1 year and got all the required information about the card process very clearly . This was a chargeable card and the credit limit was really good and it was 1,52,000. I am completely satisfied with the service.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Very Bad Card"
      0.5 2.0/5 "Expected more"
      In RBL card, they are charging 22% EMI conversion charges and the service charge is 4% which is very huge. They are increasing the limit till now and there is no option to redeeming the rewards points. I won't recommend this card to anyone. Their call centre people are not responding properly and its very poor.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I am having Ratnakar Bank credit card which was directly taken through Bank.I am using this credt card so far and it is very good to use .This was a chargeable card and using this card for the past 1 year only .I have not faced any issues so far on using this card .I am completely satisfied with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • RBL Bank Credit Card
      "Convenient card"
      0.5 5.0/5 "Blown Away!"
      I use the RBL credit card for last 2 months. I actually trying for the money tap app, from that they directly contacted me and sent me a credit card. Documentation was a online process and one executive came to my office got the signature and took the photo.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 14, 2019
    • RBL Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      For the past 2 years I am using RATNAKAR BANK platinum credit card through them processed directly. It is an annual fee chargeable of rupees 500. But the credit limit was given only for 35 thousands and yet to enhance it. EMI option is applicable and it is nominal. I use this card for fuel purpose. Based on the usage I get reward points.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Oct 12, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have Ratnakar Bank credit card which was taken through Bank .The credit limit was 40,000 and this was a free card ,Customer service is quite average .Cash back offers are very good and got all the required details about the credit card very clearly through the agent .
      Was this review helpful? 0
      , bharuch
      Reviewed on Oct 11, 2019
    • RBL Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have RBL card which got it through Bajaj Finserv. I have not encountered any problems so far and it goes very smooth. Once have converted the payments into EMI, the procedure is very simple and the charges are nominal. Its been one year above and the credit limit is fine.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 10, 2019
    • RBL Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am having Ratnakar Bank credit card which was taken through Bank.I am using for the past 1 month and this was a chargeable card ,I have got the credit card on time .The credit limit was less ,I have got all the required details about the card process and this card is easy to use and i am comfortable with the usage so far .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 09, 2019
    • RBL Bank Credit Card
      "Okay Card"
      0.5 3.0/5 "Satisfactory"
      RBL credit card provided me a credit limit of Rs. 40000. They are providing me a gift vouchers and cashbacks. I have been using the credit card for almost 3 months and its a hassle free card to use. They are charging me a annual fee of Rs. 1500.
      Was this review helpful? 1
      , chennai
      Reviewed on Oct 08, 2019
    • RBL Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding credit card with RATNAKAR bank on last 7 months which was applied directly to bank for a card. It is an annual fee chargeable 600 to 700 rupees. The credit limit is sufficient to use. It is a bajaj credit card. Based on the usage I get reward points.
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 05, 2019
    • RBL Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I use my RBL credit card for last 1 year. Benefits are same like other credit card and i don't find any special benefits on this card. Till now no one has enhanced my credit limit. Till now they have not charged me any annual fee. I'm not interested any kind of offers.
      Was this review helpful? 1
      , jamshedpur
      Reviewed on Oct 05, 2019
    • RBL Bank Credit Card
      "Fantastic card"
      0.5 5.0/5 "Blown Away!"
      Its a good experience with RBL card and they have increased my limit and its good. I have been using the RBL for every purchase like movie tickets, restaurants and petrol purchase. For the fuel, they are giving 2% waiver. RBL is providing a good service to the customer.
      Was this review helpful? 0
      , bhopal
      Reviewed on Oct 04, 2019
    • RBL Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have Ratnakar Bank credit card which i am using for the past 3years and taken through Bank direclty .This was a chargeable card and need to pay Rs.500.The credit limit was pretty good and got this credit card on exact time as well .I have got all the relevant information about the card process through the agent .
      Was this review helpful? 0
      , nasik
      Reviewed on Oct 04, 2019
    • RBL Bank Credit Card
      "Need to decrease interest charges"
      0.5 1.0/5 "Really Bad"
      For the past one year I am holding a bajaj credit card with RATNAKAR BANK. The verification process was good so far no issues I had faced except one which is charges are high in this card for an EMI option.It is an annual fee chargeable of 999 rupees. The credit limit of 68 thousands.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 04, 2019
    • RBL Bank Credit Card
      "Very Good card"
      0.5 5.0/5 "Blown Away!"
      In RBL, if i do a bulk purchase, EMI facility is available and the charges are nominal. Bajaj Finance person approved this RBL card. If i do minimum purchase of Rs. 3000 i can able to convert. I have got the limit of Rs. 1 lakhs and the annual fee is Rs. 3000.
      Was this review helpful? 0
      , thane
      Reviewed on Oct 01, 2019
    • RBL Bank Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      RBL Bank customer service is very good, using from RBL bank credit card from one year, mobile application is user friendly where we can check our usage, rewards points, EMI options are good, rate of interest is nominal, If we purchase anything we get good rewards points.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 01, 2019
    • RBL Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I using RBL credit card from last one year which comes with movie ticket offers, EMI options are available but rate of interest is little high compare to other Bank of credit card. RBL Bank had provided me good credit limit and it also has fuel surcharge waiver.
      Was this review helpful? 4
      , pune
      Reviewed on Oct 01, 2019
    • RBL Bank Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      More than 10 months I'm holding the credit card from Ratnakar bank. I think the rewards points are better because they give me a movie tickets every month and i can redeem the rewards points if i use more than Rs. 50000. The offered credit limit is good.
      Was this review helpful? 2
      , gurgaon
      Reviewed on Oct 01, 2019
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