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RBL Bank Credit Card

RBL Bank, a private sector bank based in Mumbai, India, was established in 1943 under the name Ratnakar Bank Limited. Over time, its reach has grown, now boasting 520 branches and 414 ATMs spread throughout the nation. The bank is committed to fostering enduring relationships with customers, employees, and partners, aiming to become the preferred choice for banking. As of August 2023, RBL Bank boasts a growing number of over 40 lakh outstanding credit cards, with this figure continuously on the rise.

Features and Benefits of RBL Bank Credit Card

The RBL Bank Credit Card provides numerous advantages and perks for its users.

1. Enhanced Protection:

  • RBL Bank issues credit cards featuring EMV microchips from Europay, Mastercard, and VISA, bolstering security measures to prevent unauthorized use and replication.

2. Active Alerts:

  • Stay informed about your transactions, missed payment dates, bill payment receipts, monthly card statements, and more through regular SMS and email alerts.

3. Flexible Credit Limits:

  • Gain command over your expenses by customizing the credit limits on your RBL Bank credit card using an exclusive feature.

4. Online Banking:

  • You can conveniently manage your credit card account with RBL Bank’s online banking platform, accessible anytime and from anywhere.

5. 24/7 Customer Care:

  • Experience quick and convenient issue resolution with RBL Bank’s 24/7 credit card customer care service.

6. Reward Points:

  • Earn welcome points, bonus points, and accelerated rewards on select RBL Bank credit cards for every spending transaction.

7. Cash Advance:

  • Access immediate cash with your RBL Bank credit card whenever required. However, it’s important to note that cash transactions will be subject to fees and finance charges starting from the date of the transaction.

8. Add-on Cards:

  • Extend the benefits to your family members by availing up to five supplementary cards for your spouse, parents, and children.

9. Specialized Privileges:

  • Enjoy exclusive perks such as priority pass membership, lounge access, dining privileges, golf lessons, golf memberships, travel and flight benefits, and more on specific RBL Bank credit cards.

RBL Bank Credit Card Fees and Charges

Explore the fee structure for the RBL Bank Credit Card and discover the financial advantages that come with it.

1. Annual Fee/Joining Fee:

  • Differs based on the specific credit card.

2. Finance Charges:

  • Monthly rate: Up to 3.99%
  • Annual rate: 47.88%

3. Cash Advance Fee:

  • 2.5% of the withdrawn cash amount.
  • Minimum fee: Rs. 500

4. Late Payment Fee:

  • 12.5% of the total amount due.
  • Minimum fee: Rs. 5
  • Maximum fee: Rs. 1,300

Eligibility Criteria for RBL Bank Credit Card

  1. Eligibility criteria require applicants to be a minimum of 18 years old.
  2. Income requirements mandate a minimum annual income ranging from Rs.1 lakh to Rs.3 lakh.
  3. Both self-employed and salaried individuals are welcome to apply.
  4. The option exists to obtain up to five add-on cards, suitable for parents, children, and spouses.
  5. Children seeking add-on cards must also be at least 18 years old.

Documents Required for RBL Bank Credit Card

To initiate your RBL Credit Card application, RBL Bank will outline the required documentation. To move forward, you must furnish the specified documents listed below, ensuring there is no duplication.

1. A recent passport-sized photograph.

2. ID Proof (Choose one):

  • Permanent Account Number (PAN) Card
  • Voter’s ID
  • Passport
  • Any Government Photo ID

3. Address Proof (Select one):

  • Passport
  • Driving licence
  • Rental Agreement
  • Utility/Phone/Electricity Bill
  • The most recent statement from a different bank or credit card issuer.

4. Income Proof (Pick one):

  • Latest Salary Slip
  • Income Tax Returns
  • Bank Statements
  • Form 16

How To Apply for RBL Bank Credit Card?

To request an RBL Bank Credit Card through the internet, adhere to the following steps:

  1. Visit the RBL Bank internet banking portal.
  2. Navigate to the ‘Credit Cards’ section and choose ‘Apply Now’.
  3. Provide your name, address, contact number, email, and income.
  4. Click on ‘Submit’.
  5. RBL Bank representatives will review your information and reach out to you within a span of two to three business days to arrange for any required document collection.

To request an RBL Bank Credit Card through traditional means:

  1. Visit a branch of RBL Bank.
  2. Complete the credit card application form.
  3. Submit the necessary documents.
  4. A bank agent will send the documents for authentication.

List of RBL Bank Credit Card

Below are various credit cards provided by RBL Bank:

  1. RBL Bank Edition Credit Card
  2. RBL Bank BankBazaar SaveMax Credit Card
  3. Zomato Edition Classic Credit Card
  4. RBL Bank Monthly Treats Credit Card
  5. RBL Bank Titanium Delight Card
  6. RBL Bank Platinum Delight Card
  7. RBL Bank IGU NHS Golf World Card
  8. RBL Bank Popcorn Credit Card
  9. RBL Bank Icon Credit Card
  10. RBL Bank Platinum Maxima Card
  11. RBL Bank Platinum Cricket Card
  12. RBL Bank Cookies Credit Card
  13. RBL Bank Insignia Preferred Banking World Card
  14. RBL Bank Classic Reward Cards
  15. RBL Bank Classic Platinum Card
  16. RBL Bank Classic Shopper Cards
  17. RBL Bank ShopRite Credit Card
  18. RBL Bank Platinum Maxima Plus Credit Card
  19. BookMyShow RBL Bank Play Credit Card
  20. RBL World Safari Credit Card