RBL Bank Edition Black Credit Card Vs. RBL Bank Edition Classic Credit CardRBL Bank Edition Black Credit Card Vs. RBL Bank Edition Classic Credit Card

RBL Bank Edition Black Vs. RBL Bank Edition Classic Credit Card

RBL Bank has collaborated with Zomato to unveil a duo of credit cards: the RBL Bank Edition Black Credit Card and the RBL Bank Edition Classic Credit Card. The RBL Edition Credit Card stands out as the superior option, offering additional privileges, albeit with an annual fee. On the other hand, the RBL Bank Edition Classic Card is currently available with a lifetime free option. If you frequently order food online and are contemplating which card to choose, the decision might be perplexing. To assist you, this article will delve into the individual benefits of both cards before comparing their charges and features.

Features and Benefits of RBL Bank Edition Black Credit Card and RBL Bank Edition Classic Credit Card

RBL Bank Edition Black Credit Card:

  1. Exclusive Reward Programs: The card offers unique reward programs along with travel and lifestyle privileges.
  2. Superiority: It stands out as the premium option among the two cards issued by RBL Bank in collaboration with Zomato.
  3. Diverse Benefits: Beyond dining, customers enjoy perks in various categories like travel, entertainment, and fuel.
  4. Hassle-free Redemption: The Edition Cash points can easily be redeemed for cashback.
  5. Welcome Benefit: Users receive complimentary Zomato Pro Plus membership upon acquiring the card.
  6. Reward Points: Earn 10 Edition Cash for every Rs. 100 spent on Zomato, 2 Edition Cash for other food expenses, and 2 Edition Cash for online transactions.
  7. Milestone Program: Spend over Rs. 5,00,000 in an anniversary year to earn 2,000 bonus Edition Cash annually.
  8. Entertainment Privileges: Avail Buy 1 Get 1 Free on BookMyShow and enjoy 2 complimentary domestic airport lounges per quarter.
  9. International Travel: Receive complimentary Priority Pass membership with 2 free international airport lounge accesses yearly.
  10. Cost Savings: Low foreign currency transaction fee of 1.5% and 1% fuel surcharge waiver on fuel transactions between Rs. 500 to Rs. 4,000.
  11. Annual Fee Waiver: Spending more than Rs. 2.5 lakhs in the previous anniversary year results in the waiver of the Rs. 1,499 annual fee.

RBL Bank Edition Classic Credit Card:

  1. General Level Version: This card is a standard version of the RBL Bank Edition Credit Card, targeting individuals with lower incomes.
  2. Reward Program: Despite being a basic version, it offers a decent reward program for its users.
  3. Zomato Pro Membership: Enjoy unlocked dining deals with the complimentary Zomato Pro membership renewed annually.
  4. Edition Cash Rewards: Earn 500 Edition Cash as a welcome bonus, equivalent to Rs. 500.
  5. Reward Points: Gain 5 Edition Cash for every Rs. 100 spent on Zomato, and 1.5 Edition Cash for online and other food expenses.
  6. Redemption: Redeem earned Edition Cash for food purchases on Zomato, with 1 Edition Cash equal to Re. 1.
  7. Milestone Program: Get an extra 2,000 Edition Cash annually when you spend Rs. 2 lakhs or above within a single anniversary year.

Comparison between RBL Bank Edition Black Credit Card and RBL Bank Edition Classic Credit Card

RBL Bank Edition Black Credit Card:

  • Annual Fee: Rs. 1,499
  • Interest Rate: 3.99% per month
  • Welcome Benefits: Complimentary Zomato Pro Plus membership
  • Reward Rate:
    • On Zomato spends, get 10 Edition Cash for every Rs. 100.
    • 2 Edition cash on every other spend of Rs. 100 on food and online purchases.
    • Earn cashback with every alternate Rs. 100 spend in the first edition.
  • Reward Redemption: Edition Cash serves a dual purpose: it can be employed for buying food items through Zomato or offsetting statement balances. Each unit of Edition Cash holds an equivalent value of one Indian Rupee.
  • Milestone Benefits: Receive a bonus of 2,000 Edition Cash when you spend over Rs. 5 lakhs within a year.
  • Dining Benefits: Exciting dining privilege through the Zomato Pro Plus membership that gets renewed every year.
  • Movie Benefits: Buy 1 Get 1 Free on movie tickets booked from BookMyShow once a month.
  • Travel Benefits: You’ll enjoy eight free visits to domestic airport lounges annually, with two available every quarter.
  • Forex Markup Fee: 1.5% on all foreign currency transactions.
  • Spend-based Waiver: If you spend more than Rs. 2.5 lakhs in a year, the yearly fee will be waived.

RBL Bank Edition Classic Credit Card:

  • Annual Fee: Nil
  • Interest Rate: 3.99% per month.
  • Welcome Benefits: Complimentary Zomato pro membership 500 bonus Edition Cash
  • Reward Rate:
    • On Zomato spends, get 5 Edition Cash for every Rs. 100.
    • Earn 1.5 Edition cash with every alternate Rs. 100 spent on food and online purchases.
    • Get a cashback of Rs. 1 with every alternate purchase worth Rs. 100.
  • Reward Redemption: The Edition Cash can be used to purchase food on Zomato or against statement balance, where 1 Edition Cash = Re. 1.
  • Milestone Benefits: Get 2,000 bonus Edition Cash upon spending more than Rs. 2 lakhs in a year.
  • Dining Benefits: Exclusive offers and deals on dining through the Zomato Pro membership that is renewed every year.
  • Travel Benefits: N/A
  • Forex Markup Fee: 3.5% on all foreign currency transactions.
  • Spend-based Waiver: N/A

Which credit card suits you best?

  1. Comparison Results:
    • After evaluating the two cards, individuals may lean towards either the RBL Bank Edition card or the Edition Classic Credit Card based on their preferences.
    • Diverse needs lead to varied choices among users.
  2. RBL Bank Edition Classic Card:
    • Ideal for those seeking a basic card to save on expenses, particularly in dining.
    • Suited for individuals with minimal requirements.
  3. RBL Edition Credit Card:
    • Optimal for those desiring exclusive benefits in dining, travel, entertainment, etc.
    • Particularly beneficial for frequent flyers with features like low forex markup fee and complimentary airport lounge access.
  4. Consideration of Usage:
    • Critical to analyze spending habits and identify key spending categories.
    • Document desired credit card benefits before making a decision.
  5. Wise Comparison:
    • Careful consideration is essential when comparing the benefits of both cards.
    • Ensure that the selected card aligns with individual preferences and needs.
  6. Edition Classic Card Suitability:
    • Recommended for individuals who do not frequently travel and require only basic privileges.
    • Specifically, a suitable choice for those prioritizing simplicity and core features.
  7. Decision-Making Process:
    • Before deciding, individuals should evaluate their spending patterns and desired card benefits.
    • If the Edition Classic Card meets all requirements, opting for the premium version may not be necessary.
  8. Premium Benefits of Edition Card:
    • The Edition Card is favored for movie and travel benefits, making it an ideal choice for specific preferences.
  9. Tailored Choices:
    • Both cards cater to different individuals with diverse needs.
    • Wise comparison ensures satisfaction with the chosen card.
  10. Final Advice:
    • Encouragement to make a well-informed decision by considering personal preferences and needs.
    • Prevents potential regrets by ensuring a thoughtful comparison process.

Frequently Asked Questions (FAQs)

1. What distinguishes the RBL Bank Edition Black Credit Card from the RBL Bank Edition Classic Credit Card?

  • Answer: The primary distinction lies in the tier and benefits offered. The Black Credit Card is a premium offering with enhanced privileges compared to the Classic Credit Card.

2. What are the key benefits of the RBL Bank Edition Classic Credit Card?

  • Answer: The Classic Credit Card is suitable for individuals seeking a basic card. It offers benefits such as savings on spending, especially in dining, making it ideal for those with simpler requirements.

3. How does the RBL Bank Edition Black Credit Card cater to frequent travelers?

  • Answer: The Black Credit Card provides exclusive benefits not only in dining but also in travel and entertainment. It includes a low forex markup fee and complimentary access to domestic and international airport lounges, making it an excellent choice for frequent flyers.

4. Which card is recommended for individuals who do not travel frequently?

  • Answer: For individuals who don’t travel often and prioritize basic privileges, the RBL Bank Edition Classic Credit Card is recommended.

5. Are there specific movie and travel benefits associated with the RBL Bank Edition Credit Card?

  • Answer: Yes, the RBL Bank Edition Credit Card is tailored for those seeking movie and travel benefits, making it the preferred choice for individuals with specific preferences in these categories.

6. How should one decide between the two cards?

  • Answer: Individuals should assess their spending habits, desired benefits, and specific needs. If the Edition Classic Card fulfills all requirements, opting for the premium version may not be necessary.

7. Can both cards be suitable for different people with different requirements?

  • Answer: Yes, both cards cater to diverse needs. The Edition Classic Card is suitable for those with basic requirements, while the Edition Credit Card is designed for individuals seeking premium benefits.

8. Is a careful comparison necessary before choosing between the two cards?

  • Answer: Absolutely. A thorough comparison ensures that individuals select a card that aligns with their preferences and needs, preventing potential regrets later on.

9. Are there any additional fees associated with these credit cards?

  • Answer: It’s advisable to check the terms and conditions for any annual fees, interest rates, or other charges associated with both credit cards.

10. Can I upgrade from the RBL Bank Edition Classic Credit Card to the RBL Bank Edition Black Credit Card?

  • Answer: Depending on the bank’s policies, an upgrade might be possible. It is recommended to contact the bank directly to inquire about the upgrade process and eligibility criteria.

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