RBL Bank Titanium Delight Credit Card

The RBL Bank Titanium Delight Credit Card, crafted by RBL Bank, stands as a financial tool aimed at delivering an array of advantages and incentives to its users. Renowned for its unique perks, such as discounted rates on dining, entertainment, and fuel expenses, this card caters to those keen on embracing lifestyle luxuries while upholding fiscal prudence.

Key Highlights of RBL Bank Titanium Delight Credit Card:

  1. Reward Points: Every time cardholders swipe their card, they rack up reward points. Plus, they get even more points when they dine out or buy groceries.
  2. Welcome Benefits: The card frequently arrives with appealing introductory deals, such as bonus reward points or vouchers, designed to entice new users.
  3. Dining Benefits: Cardholders have the opportunity to relish exclusive discounts and enticing offers at affiliated restaurants and dining establishments, rendering it an ideal selection for those passionate about gastronomy.
  4. Fuel Surcharge Waiver: This card typically offers a fuel surcharge waiver at fuel stations, helping cardholders save on their fuel expenses.
  5. Annual Fee Waiver: Some variants of this card may offer an annual fee waiver if certain spending criteria are met.
  6. Interest-Free Period: Cardholders can benefit from an interest-free period on purchases if they pay their outstanding balance in full by the due date.
  7. Easy EMI Options: The card offers the advantage of transforming significant purchases into manageable installments, thus simplifying expense management.
  8. Online Account Management: Cardholders have the ease of overseeing their card account through online channels, enabling them to review statements, process payments, and monitor accrued reward points, all conveniently accessible in one place.
  9. Global Acceptance: This credit card is usually accepted worldwide, allowing cardholders to use it for international transactions.
  10. Security Features: RBL Bank often incorporates advanced security features, including PIN and chip technology, to ensure the safety of card transactions.
  11. Customer Support: Cardholders can reach out to customer support for help with any questions or problems related to their cards.
  12. Insurance Coverage: Certain iterations of this card may provide insurance benefits, such as coverage for travel or protection for purchases.

Features and Benefits of RBL Bank Titanium Delight Credit Card

  1. Enjoy a range of exciting benefits with our card when you make purchases both in India and abroad. Each time you make a purchase, you’ll earn reward points which you can later exchange for the products you love.
  2. The annual membership fee for this card is Rs.750. However, you have the opportunity to waive this fee for the second year if your total transactions on the card exceed Rs. 1 lakh during the first year.
  3. To kickstart your membership, you’ll receive a generous welcome gift of 2000 reward points when you make your first swipe within 30 days of card activation and pay the joining fees by the first payment due date. Moreover, an additional 1000 points await you when you utilize your card within the initial 60 days by spending Rs. 10,000.
  4. For every Rs. 100 spent on various categories such as travel, groceries, dining, and electricity bills, you’ll earn 1 reward point. This means you can accumulate points quickly for a variety of expenses.
  5. If you enjoy going to the movies, you’ll be pleased to know that you have a chance to win 1 + 1 free movie tickets when you use your card for movie ticket bookings on BookMyShow.com. This offer is available once every month on a Wednesday.
  6. Lastly, Wednesdays are special for grocery shopping because you’ll receive a 2.5% value back on your purchases. It’s an excellent way to save on your weekly grocery expenses.
  7. Our card brings a range of benefits that cater to different parts of your everyday routines, blending rewards and savings seamlessly.

RBL Bank Titanium Delight Credit Card Fees and Charges

1. Membership Fees:

  1. Joining Fee: Rs. 750
  2. Annual Fee (starting from the second year): Rs. 750 (waived if you spend Rs. 1 lakh or more)

2. Finance Charges: Interest Rate: Up to 3.99% per month (equivalent to 47.88% per annum)

3. Late Payment Fee: Late Payment Fee: 12.5% of the outstanding amount (Minimum Rs. 5 | Maximum Rs. 1,300)

Eligibility criteria for the RBL Bank Titanium Delight Credit Card

To apply for this credit card, prospective applicants must meet specific eligibility requirements outlined as follows:

  1. Age Requirement: Applicants must be at least 21 years old to be considered eligible for this credit card.
  2. Employment Status: This credit card caters to both those with fixed salaries and self-employed individuals, widening its reach to accommodate a diverse pool of potential users.
  3. Credit Score: To qualify for this credit card, potential applicants must maintain a decent credit score. Having a good credit history not only fulfills this criterion but also boosts the chances of getting approved.

Documents Required for RBL Bank Titanium Delight Credit Card

  1. Passport Size Photos and Signature-Bearing National Identity Cards: You will need to provide two passport-size photographs along with national identity cards that have your signature.
  2. Proof of Address: You can confirm your present address by providing various documents like a ration card, an electricity bill, or any similar records.
  3. PAN Card, Form 16, and Income Tax Returns Statement: Make sure you’ve got your PAN card, Form 16, and a printout of your Income Tax Returns Statement ready as well.
  4. Proof of Salary or Employment/Business Details: Your proof requirements vary based on whether you’re employed or running a business. You might need documents like employment letters, business registrations, or other relevant evidence to support your status.
  5. Last 3 Months Salary Statement: Ensure you include your salary statements from the past three months to offer a complete overview of your financial situation.

How to apply for RBL Bank Titanium Delight Credit Card

Prospective applicants for the RBL Bank Titanium Delight Credit Card have the flexibility to choose between online and offline channels when applying for the card. Here are the steps for each method:

  • Online Application:
  1. Visit the official website of RBL Bank.
  2. Navigate to the ‘Credit Cards’ section.
  3. Opt for the RBL Bank Titanium Delight Credit Card for a rewarding credit experience.
  4. Click on the ‘Apply Now’ button and complete the application by providing all the necessary information.
  • Offline Application:

Alternatively, if you prefer the offline application process, follow these steps:

  1. Visit the nearest RBL Bank branch.
  2. Bring along the required documents.
  3. Complete the paper application form available at the bank’s local branch.

By offering both online and offline application modes, RBL Bank aims to cater to the diverse preferences of potential credit card applicants, ensuring accessibility and convenience.

FAQs:

1. What is the RBL Bank Titanium Delight Credit Card?

The RBL Bank Titanium Delight Credit Card stands out as a tailored solution, crafted to enrich your shopping and lifestyle encounters with a diverse array of advantages, perks, and functionalities.

2. What are the key features of the RBL Bank Titanium Delight Credit Card?

  • Earn reward points on every purchase.
  • Exciting discounts and offers on dining, entertainment, and shopping.
  • Fuel surcharge waiver at designated petrol pumps.
  • Convert large transactions into easy EMIs.
  • Complimentary movie tickets and other entertainment benefits.

3. How can I apply for the RBL Bank Titanium Delight Credit Card?

You can apply for the RBL Bank Titanium Delight Credit Card online through the official RBL Bank website. You also have the option to seek help at the closest RBL Bank branch.

4. What are the eligibility criteria for this credit card?

The eligibility criteria may vary, but generally, applicants should be between the ages of 21 to 60 years, have a stable income, and a good credit history. Specific criteria can be found on the RBL Bank website or by contacting their customer service.

5. How do I go about verifying the status of my application for the RBL Bank Titanium Delight Credit Card?

To monitor the progress of your credit card application, simply head to the RBL Bank website and locate the ‘Track Application’ section. There, you’ll be prompted to input your application reference number along with any other necessary details.

6. What’s the yearly charge for holding the RBL Bank Titanium Delight Credit Card?

The yearly charge for the credit card can fluctuate. It’s recommended to verify the current fee schedule on the RBL Bank website or reach out to their customer service for the latest details.

7. How do I earn and redeem reward points with this credit card?

With the RBL Bank Titanium Delight Credit Card, each qualifying transaction earns you reward points. These points offer a range of redemption choices, including shopping vouchers and merchandise. Learn more about accruing and utilizing points from the credit card’s rewards program guide.

8. Is there a contactless payment feature on the RBL Bank Titanium Delight Credit Card?

Yes, the RBL Bank Titanium Delight Credit Card comes with a contactless payment feature, allowing you to make quick and secure transactions by simply tapping your card on the contactless-enabled POS terminals.

9. How can I pay my RBL Bank Titanium Delight Credit Card bill?

You can pay your credit card bill through various channels, including online banking, mobile banking, NEFT, or by visiting the nearest RBL Bank branch. Check the RBL Bank website for detailed instructions on payment options.

10. What should I do if my RBL Bank Titanium Delight Credit Card is lost or stolen?

In case of a lost or stolen card, immediately contact the RBL Bank customer service helpline to report the incident. They will guide you through the process of blocking the card and issuing a replacement for your security.