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LoansJagat Team
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12 Minute
20 Mar 2025
RBL Bank Debit Card – Features, Transaction Limits & Application Process
Anurag, a tech-savvy professional from Bangalore, had always sought ways to streamline his financial transactions. Upon finding the RBL Bank Platinum First Debit Card, he was particularly drawn to its high transaction limits. This card offers a daily ATM cash withdrawal limit of ₹1,00,000 and a POS (Point of Sale) shopping limit of ₹2,00,000.
Anurag made the decision one weekend to spend ₹1,80,000 on a top-tier laptop for his freelance work. He swiped his card without finding any payment obstacles because of the large POS limit on his RBL Platinum First Debit Card. This feature made it easier for him to make big purchases and removed the need for him to carry a lot of cash or handle several transactions.
Beyond the transaction restrictions, Anurag valued the card’s extra features, which matched his lifestyle and job requirements. These included discounts on jewellery at Joyalukkas and advantages at AWFIS co-working locations. Anurag’s financial journey was made simple and fulfilling by the combination of flexibility, security, and rewards that the RBL Bank Platinum First Debit Card offered.
Top RBL Bank Debit Cards for 2025
Debit Card | Key Features | Limitations | Example |
RBL Bank Classic Debit Card | Higher withdrawal and purchase limits Unlimited free ATM transactions Instant SMS/email alerts PIN services for resetting/generation | Annual fee applies (confirm with the bank) Limited international usage. | If the annual fee is ₹500, and you withdraw ₹50,000 from an RBL ATM, no charges apply. Withdrawing ₹50,000 from another bank's ATM incurs no fee. |
RBL Bank Platinum First Debit Card | High transaction limits (₹1,00,000 ATM withdrawal limit, ₹2,00,000 POS shopping limit) Concierge services Enhanced online security features. | Annual fee applies (can be waived based on spending) A higher minimum balance or eligibility is required. | If you make a ₹10,000 POS purchase, it's well within the ₹2,00,000 limit. If you spend ₹2,00,000 annually, the annual fee could be waived. |
RBL Bank Woman’s First Debit Card | Discounts and offers on shopping, wellness, and lifestyle Complimentary insurance benefits Cashback on select purchases. | Gender-specific eligibility Annual fee applies (may be waived) | If you spend ₹20,000 on lifestyle purchases and earn 2% cashback, you’ll get ₹400 cashback. The annual fee of ₹750 may be waived depending on spending criteria. |
RBL Bank Business First Debit Card | Higher transaction limits for businesses Detailed expense management tools Exclusive business-related discounts. | For business account holders only An annual fee applies. | You make a ₹50,000 transaction for business expenses at a POS terminal. The card has a ₹1,00,000 ATM withdrawal limit and a ₹2,00,000 POS limit, so the transaction is within range. Annual fee details would depend on the business account. |
RBL Bank India Startup Club Business Debit Card | Designed for startups and entrepreneurs High transaction limits for business use Expense management tools. | Available only to business account holders An annual fee applies. | A startup makes a ₹75,000 transaction for supplies. The transaction is within the high daily limits. Annual fees would depend on business account criteria. |
RBL Bank RuPay Kisan Card | Focus on agricultural needs Utilises the RuPay network for wide acceptance Easy cash withdrawals and purchases. | Limited features (no rewards/cashback) Restrictions on international transactions and online shopping. | A farmer withdraws ₹5,000 from an ATM using the RuPay Kisan Card. The card is meant for basic banking with no added benefits like cashback or international usage. |
RBL Bank Prepaid Cards | Can be used for gifting, rewards, and managing expenses Accepted at merchant outlets and online platforms No linked bank account is required. | Reload restrictions Limited benefits (no rewards or premium features). | A prepaid card is loaded with ₹10,000 for gifting. The card can be used at stores and online, but it does not offer cashback or rewards. There might be a cap on reloads or frequency. |
RBL Bank Debit Card Eligibility
Eligibility Criteria | Details | Tips |
Account Ownership | Must hold a savings or current account with RBL Bank. | Ensure your account is active and in good standing before applying. |
Age Requirement | Typically, individuals aged 18 and above are eligible. Minors may be eligible with parental/guardian consent. | If you're a minor, consult with your parents or guardians about the process and necessary documents. |
Residential Status | Both residents and Non-Resident Indians (NRIs) can apply, depending on the account type. | NRIs should check if the specific debit card option is available for them. |
KYC Compliance | KYC documents, including proof of identity and address, are mandatory. | Prepare documents like an Aadhar card, passport, or utility bills in advance to speed up the process. |
Minimum Balance | Some accounts require maintaining a minimum average balance. | Some accounts require maintaining a minimum average balance. |
Additional Tips
- Check the Eligibility for Specific Debit Cards: Different RBL debit cards may have varying eligibility criteria. Make sure you review the specific requirements for the card you want to apply for.
- Contact RBL Bank: If you’re unsure about your eligibility or need assistance, reach out to RBL Bank’s customer service or visit a local branch.
- Monitor Your Account Activity: Ensure that you regularly monitor your account for sufficient balance to meet the minimum requirements.
Features & Benefits of RBL Bank Debit Card
Debit Card | Key Features | Benefits | Example | Tips |
RBL Bank Signature Debit Card | ₹1,50,000 ATM withdrawal limit ₹3,00,000 POS shopping limit Global acceptance at MasterCard-enabled ATMs Complimentary airport lounge access Golf privileges (3 free games, 1 lesson/month) | Personal accident insurance Coverage for lost baggage, passport, travel documents Unlimited free ATM transactions | Personal accident insurance Coverage for lost baggage, passport, travel documents Unlimited free ATM transactions | Use for international travel to leverage global acceptance and airport lounge access. Maximise golf privileges at partnered golf courses. |
RBL Bank Platinum First Debit Card | ₹1,00,000 ATM withdrawal limit ₹2,00,000 POS shopping limit Exclusive discounts on jewellery purchases at Joyalukkas Discounts at AWFIS co-working spaces. | Advanced online security features (Visa verification) Instant SMS/email alerts for transactions. | You spend ₹1,50,000 at Joyalukkas on jewellery, and you receive a 10% discount. | Take advantage of discounts at jewellery stores and co-working spaces. Monitor spending using instant alerts to enhance security. |
RBL Bank Classic Debit Card | Unlimited free ATM transactions Higher withdrawal and purchase limits | Instant PIN generation or reset Real-time SMS/email alerts for all card activities | You withdraw ₹20,000 from an RBL ATM, and there are no fees due to the unlimited transaction benefit. | Use the unlimited ATM transaction feature to avoid additional costs. Set up instant alerts to monitor all transactions for security. |
RBL Bank Woman’s First Debit Card | Exclusive offers on lifestyle, shopping, and wellness Cashback on select purchases | Complimentary insurance benefits, including personal accident cover | You spend ₹15,000 on wellness and receive ₹300 cashback. You also get personal accident cover worth ₹1,00,000. | Take advantage of cashback offers on everyday purchases. Use the insurance benefits for added financial security. |
RBL Bank Business First Debit Card | Designed for business owners Higher transaction limits Expense management tools | Exclusive discounts on business services Detailed expense tracking for efficient management | A business owner withdraws ₹50,000 to purchase supplies. The higher limits make it easy to conduct larger transactions without hassle. | Use expense management tools to track business expenses efficiently. Leverage discounts to save on business-related services and products. |
Additional Tips
- Review Fees and Eligibility: Always check the specific fees, eligibility, and card benefits before applying for any RBL Bank debit card. Eligibility criteria may differ based on the card type.
- Monitor Transactions: Set up transaction alerts for quick monitoring and security.
- Utilize Discounts and Privileges: Make the most of the discounts, co-working space benefits, and golf privileges that come with certain premium cards.
- Track Spending for Cashback: If your card offers cashback, track your purchases to maximise your rewards.
How to Apply for an RBL Bank Debit Card
Step 1: Choose Your Debit Card:
- Visit the RBL Bank Classic Debit Card page to select the debit card of your choice (e.g., Classic Debit Card or any other available card).
Step 2: Click on "Apply Now":
- Once you have selected your debit card, click the "Apply Now" button on the website to start your application.
Step 3: Enter Personal and Contact Information:
- Product Name: Select the Enterprise Debit Card or the card you are applying for.
- Customer/Company Name: Enter your Customer/Company Name.
- Mobile Number: Enter your Mobile Number.
- Email ID: Enter your Email Address.
- Pin Code: Enter your Pin Code.
- City: Enter your City.
- Did Any Representative Assist You?: Select Yes or No depending on whether you were assisted by a representative.
- Comment: (Optional) Write any Comment you wish to include.
Step 4: Authorisation and Consent
Authorisation:
- You must authorise RBL Bank and its representatives to email, call, or SMS/WhatsApp you. This consent will override any registration for
DNC/NDNC (Do Not Contact / Do Not Disturb).
Agreement to Terms:
- By applying, you acknowledge and agree to all the terms and conditions mentioned.
Proceed:
- After reviewing all the information, click on Proceed to submit your application.
Step 5: Application Process for Existing and New Customers
Existing RBL Bank Account Holders
- Automatic Issuance: When you open a savings or current account with RBL Bank, a debit card is typically issued automatically as part of the account opening process.
- Branch Visit: If you did not receive a debit card or wish to upgrade your existing card, visit your nearest RBL Bank branch to request issuance or upgrade.
New Customers:
- Open an Account: To obtain an RBL Bank debit card, you must first open a savings or current account with the bank.
- Account Opening Process:
- Online Application: Visit the RBL Bank official website and go to the 'Accounts' section to apply online.
- Branch Visit: Alternatively, you can visit the nearest RBL Bank branch to open an account in person.
- Online Application: Visit the RBL Bank official website and go to the 'Accounts' section to apply online.
- Residential Status: Both residents and non-resident Indians (NRIs) can apply, depending on the account type.
RBL Bank Debit Card Cash Withdrawal Limitations
Debit Card | Daily ATM Cash Withdrawal Limit | Example |
Signature Debit Card | ₹1,50,000 | You need to withdraw ₹50,000 each day for 3 days to reach the limit of ₹1,50,000 (₹50,000 × 3 days = ₹1,50,000). |
Platinum First Debit Card | ₹1,00,000 | If you want to withdraw ₹20,000 each day, you can make up to 5 withdrawals (₹1,00,000 ÷ ₹20,000 = 5). |
Classic Debit Card | ₹50,000 | If you make ₹25,000 withdrawals per day, you can withdraw ₹50,000 in 2 transactions (₹50,000 ÷ ₹25,000 = 2). |
RuPay Debit Card | ₹50,000 | If you want to withdraw ₹10,000 a day, you can do it 5 times to reach the ₹50,000 limit (₹50,000 ÷ ₹10,000 = 5). |
RBL Bank Debit Card Offers
Debit Card | Key Features | Benefits | Tips |
Signature+ Debit Card | Contactless Payments (tap to pay) | Exclusive offers across shopping and lifestyle categories | Use for quick, secure transactions in stores with contactless terminals. |
Keep track of exclusive promotions to maximise your savings. | |||
Signature Debit Card | High withdrawal limits | Premium offers on dining, travel, and shopping | Ideal for frequent, high-value transactions (e.g., travel bookings, large purchases). |
Check for travel and shopping discounts regularly to get the best deals. | |||
Platinum First Debit Card | Enhanced security features (e.g., protection against unauthorised transactions) | Attractive offers and discounts on various products and services | Use for online and offline purchases to benefit from enhanced security and discounts. |
Be sure to keep your card details safe when making transactions. | |||
Classic Debit Card | Wide acceptance at merchant outlets and ATMs nationwide | Basic discounts and deals to enhance purchasing power | Ideal for everyday spending due to its wide acceptance. |
Use in locations where other premium cards may not be accepted for hassle-free transactions. |
How to Activate an RBL Bank Debit Card
Method | Steps | Details | Notes |
SMS | 1. Type “PIN” followed by a space. | Send to 9223366333 from your registered mobile number. | Must be sent from the registered mobile number. |
2. Enter the last 4 digits of your Debit Card number. | “PIN 1234 1111111 2323” (with Customer ID) or “PIN 1234 089A 2323” (with PAN). | Ensure the mobile number is registered with RBL. | |
Enter your Customer ID or the last 4 digits of your PAN number. | New PINs can be set/reset in this format. | ||
Enter your new ATM PIN. | |||
RBL MoBank App | Login to your RBL MoBank App. | Access via mobile app for easy PIN generation. | Only works with the MoBank App. |
Tap on ‘Manage Debit Cards. ’ | |||
Tap on ‘Security Settings. ’ | |||
Enter your card Expiry date and new PIN. | |||
Internet Banking | Log in to Internet Banking. | Access your account via a computer or browser. | Requires Internet Banking credentials. |
Click ‘Requests’ at the top right. | Alternatively, choose Accounts > Debit Card > Debit Card PIN set/reset. | ||
Click ‘Debit Card’ and then ‘Debit Card PIN set/reset. ’ | |||
Enter your card Expiry date and new PIN. |
How to Block Your RBL Bank Debit Card
If your RBL Bank debit card is lost, stolen, or compromised, it's crucial to block it immediately to prevent unauthorised transactions. RBL Bank offers multiple channels to block your debit card:
Internet Banking:
- Step 1: Log in to RBL Bank's Retail Internet Banking using your credentials.
- Step 2: Go to the 'Requests' section.
- Step 3: Select 'Block Debit Card.'
- Step 4: Choose the account and card number you wish to block, specify the reason, and submit.
- Step 5: Confirm the transaction by entering the OTP sent to your registered mobile number.
Mobile Banking (RBL MoBank App)
- Step 1: Open the RBL MoBank App and log in.
- Step 2: Go to 'Manage Your Cards.'
- Step 3: Select 'Block/Unblock Card.'
- Step 4: Choose the 'Temporary' or 'Permanent' block as needed.
- Step 5: Verify the action by entering the OTP sent to your registered mobile number.
SMS Banking:
- Temporary Block: Send an SMS: TBLOCK <Last 4 digits of your card number> <Customer ID> to 9223366333.
- Permanent Block: Send an SMS: BLOCK <Last 4 digits of your card number> <Customer ID> to 9223366333.
Ensure you send the SMS from your registered mobile number.
WhatsApp Banking:
- Step 1: Save the number 8433598888 to your contacts.
- Step 2: Send 'Hi RBL' via WhatsApp from your registered mobile number.
- Step 3: Choose 'Banking Services' from the menu.
- Step 4: Select 'Temporary Block my Debit Card' and follow the instructions.
These helplines are available 24/7. Provide the necessary details to the customer service representative to block your card.
6. Branch Visit:
Visit the nearest RBL Bank branch and request the staff to block your debit card. Carry a valid ID for verification.
FAQs Related to RBL Bank Debit Card
Q. What should I do if I lose my debit card?
Make sure to notify RBL Bank right away by contacting customer support. It will block your card. At the cost of Rs. 50, you can then request a replacement card.
Q. How do I avail the offers and discounts on my debit card?
Simply let the merchant know that you would like to take advantage of the discounts or specials by using your RBL Bank debit card to pay the bill. Certain promotions call for a promo code, which may be found on the RBL Bank website.
Q. How do I get my complaint resolved?
By getting in touch with customer service, you can have your concerns addressed. 1800 123 8040 via phone and customersupport@rblbank.com by email.
Other Bank Debit Cards | |||
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LoansJagat Team
We are a team of writers, editors, and proofreaders with 15+ years of experience in the finance field. We are your personal finance gurus! But, we will explain everything in simplified language. Our aim is to make personal and business finance easier for you. While we help you upgrade your financial knowledge, why don't you read some of our blogs?
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