RBL Bank Platinum Delight Credit Card

The RBL Platinum Delight credit card is a rewards card offering enticing rewards across various purchases, closely resembling the RBL Bank’s Titanium Delight Credit Card. It’s an ideal choice for individuals seeking a credit card that facilitates savings on their expenditures. For a nominal joining fee of Rs. 1,000, you’ll receive a generous welcome gift of 4,000 reward points.

With the RBL Platinum Delight credit card, you have the opportunity to accrue bonus Reward Points each month based on your monthly expenditures. For every Rs. 100 you spend on any transaction, you’ll receive 2 Reward Points. Plus, weekends come with an exciting bonus – a 2x Reward Points boost, doubling the joy of your purchases.

These earned reward points can be redeemed for a diverse array of options through their dedicated rewards website. Furthermore, it’s possible to make the card cost-free by having the annual fee waived based on your spending activity.

Key Highlights of RBL Bank Platinum Delight Credit Card:

  1. Enhanced Security: The card offers robust security features, including an EMV chip with PIN-based transactions and Zero Fraud Liability protection in case of card loss or unauthorized usage.
  2. Flexible Repayment Options: Cardholders can convert purchases exceeding Rs. 5,000 into easy EMIs through the Split n’ Pay Program. Balances from other cards can also be transferred to this card for convenient EMI payments.
  3. Customizable Spending Limits: Cardholders have the flexibility to set their preferred spending limits by contacting RBL Bank’s 24×7 customer support. This feature helps manage expenses and stay in control.
  4. Real-time Transaction Alerts: Cardholders receive email and SMS notifications for all card transactions, enhancing security and allowing for better monitoring of expenses.
  5. Convenient Online Banking: The card comes with a user-friendly online banking portal that offers 24×7 access to account information, bill payments, card statements, and balance transfer requests.
  6. Global Acceptance: The RBL Bank Platinum Delight Credit Card can be used at more than 1 million MasterCard-authorized merchants within India and over 25 million globally. It allows transactions in international currencies, and cash can be withdrawn from MasterCard, Cirrus, or Maestro-branded ATMs.

These highlights showcase the card’s security, flexibility, real-time monitoring, and global acceptance, making it a valuable choice for cardholders seeking a refined credit card experience.

Features and Benefits of RBL Bank Platinum Delight Credit Card

The RBL Platinum Delight Credit Card presents a comprehensive package brimming with enticing features and benefits, promising an elevated credit card experience. Wondering why you should opt for this card? Allow us to elaborate.

1. Unwavering Security: Dispelling the conventional fragility associated with credit cards, the RBL Platinum Delight Card boasts ironclad security, ensuring your absolute peace of mind.

  • A PIN-based EMV chip provides an additional layer of protection during transactions.
  • The inclusion of a Personal Identification Number (PIN) complements the EMV Chip and PIN Card configuration.
  • A steadfast One-Time Password (OTP) system guarantees that only you can authorize requested transactions.
  • In the unfortunate event of card loss, swift notification to RBL’s 24×7 customer support activates Zero Fraud Liability, shielding you from unauthorized card usage.

2. Convenient Repayment Options: Any purchase exceeding Rs. 5,000 can effortlessly be converted into manageable EMIs through the aptly named “Split n’ Pay Program.” Furthermore, you have the liberty to transfer credit card balances from other cards to your RBL Bank Platinum Delight Credit Card, unlocking this EMI option.

3. Flexible Spending Limits: Imagine setting your very own credit card purchase limit with ease. By simply contacting RBL’s 24×7 customer support and specifying your preferred spending threshold, you can save money while maintaining complete control. Additionally, you have the option to establish a distinct spend limit for your supplementary credit card.

4. Real-time Monitoring: Rest assured that all your card transactions and associated activities generate notifications sent directly to your inbox and via SMS. This feature empowers you with enhanced control and security.

5. Around-the-Clock Online Support: Accessing your credit card account, monitoring paid and pending bills, retrieving card statements, and requesting balance transfers are made effortless through the interactive and user-friendly online banking option, available 24×7.

6. Global Acceptance: The RBL Bank Platinum Delight Credit Card is welcomed at over 1 million MasterCard merchant outlets within India and an additional 25 million similar establishments worldwide. Whether you’re making purchases in foreign currencies or seeking cash withdrawals, you can confidently rely on any MasterCard, Cirrus, or Maestro-branded ATMs.

RBL Bank Platinum Delight Credit Card Fees and Charges

  1. Membership Fee: Access the RBL website
  2. Yearly Membership Cost: Rs.1000
  3. Interest Rate (for Cash & Retail Purchases): 3.5% monthly (equivalent to 42% annually)
  4. Additional Card Fee: Up to Rs.1,000
  5. Minimum Payment Due (MPD): 5% of (Total Due Amount + Over-limit Amount)
  6. Card Replacement Fee: Rs.200
  7. Over-Limit Fine: Rs.600

Eligibility criteria for the RBL Bank Platinum Delight Credit Card

  1. Citizenship: Indian
  2. Age Requirement: 23 years or older
  3. Minimum Income: Rs. 40,000 or more
  4. Creditworthiness: A good credit score as determined by the bank
  5. Existing Credit Cards: Applicants with an existing credit card with a limit of 50,000 or more will receive expedited processing for the RBL Platinum Delight credit card application through the green channel.

Documents Required for RBL Bank Platinum Delight Credit Card

  • Proof of current address can be established using the following documents:
  1. Passport
  2. Driving License
  3. Aadhaar Card
  4. Voter ID
  • If current address proof is unavailable through the aforementioned documents, it can also be supported by any of the following:
  1. Utility bill with current address
  2. 3-month bank statement
  3. Government-issued photo ID
  4. Credit Card statement
  5. Insurance policy
  6. Vehicle registration
  7. Spouse’s Passport
  8. Marriage certificate, etc.
  • In addition to address verification, an Aadhaar copy is required.
  • For income documentation, please note that a 1-month credit card statement should not be older than 2 months, and 3-month salary slips are also necessary.

How to apply for RBL Bank Platinum Delight Credit Card

  • Application Procedure for the RBL Platinum Delight Credit Card on the RBL Website:
  1. Visit the official RBL website.
  2. Navigate to the “Personal Banking” section.
  3. Select the RBL Platinum Delight credit card under the “Credit Cards” category.
  4. Click the “Apply Now” button.
  5. Complete all necessary details in the application form.
  6. Submit the form and await contact from customer support.
  • The process to apply for the RBL Platinum Delight Credit Card in-person involves visiting a designated location and following specific steps to complete the application:

You can visit any RBL bank branch, provide the required documents, and complete the application form to apply for the RBL Platinum Delight Credit Card.

FAQs:

Q1: What are the key features of the RBL Bank Platinum Delight Credit Card?

The RBL Bank Platinum Delight Credit Card offers features such as reward points on every transaction, fuel surcharge waiver, and dining benefits. It is designed to provide a delightful experience for cardholders.

Q2: How can I apply for the RBL Bank Platinum Delight Credit Card?

To get the RBL Bank Platinum Delight Credit Card, you have two options: either apply online via the official RBL Bank website or head to the nearest RBL Bank branch. Applying usually means completing an online form and providing required documents.

Q3: What is the reward point system on this credit card?

The RBL Bank Platinum Delight Credit Card comes with a reward points program where you earn points for every transaction. These points can be redeemed for various rewards such as gift vouchers, merchandise, or even statement credit, depending on the redemption options available.

Q4: Is there an annual fee for the RBL Bank Platinum Delight Credit Card?

The annual fee structure may vary, and it’s advisable to check the latest information on the RBL Bank website or contact their customer service for the most accurate and up-to-date details.

Q5: What is the interest rate applicable to this credit card?

The interest rates on credit cards can change, and it’s recommended to check the latest rates on the RBL Bank website or contact their customer service for the current information.

Q6: Are there any dining benefits associated with this credit card?

Yes, the RBL Bank Platinum Delight Credit Card often provides dining benefits such as discounts or cashback at select partner restaurants. Details regarding eligible restaurants and offers can be found in the card’s terms and conditions.

Q7: How can I track my reward points and transactions?

RBL Bank typically provides online banking services where cardholders can log in to their account to track transactions, check reward points, and manage their credit card account. Additionally, monthly statements are sent to the registered email address, summarizing all transactions and points earned.

Q8: Does the RBL Bank Platinum Delight Credit Card offer any travel benefits?

While specific travel benefits may vary, some credit cards offer features like travel insurance, airport lounge access, or discounts on travel bookings. It’s advisable to check the card’s terms and conditions or contact customer service for details on travel-related perks.

Q9: How do I contact customer service for the RBL Bank Platinum Delight Credit Card?

You can find the customer service contact details on the RBL Bank website. This usually includes a customer service hotline, email address, and sometimes even a live chat option for immediate assistance.