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LoansJagat Team
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6 Min
24 Jun 2025
RBL Credit Card – Top Benefits, Types & How to Apply
For Example, Pawan is a supervisor in a textile shop in Mumbai. The costly lifestyle drains many of his savings, although he tries his best to optimise all of his expenditure. However, the school fees for his children increased without prior notice. Additionally, he needs to purchase a school uniform and other necessary stationery items.
- School uniform - ₹ 12,500
- Stationery Items - ₹ 2,500
The piling financial burden drives Pawan restless. Later, he comes to know about the RBL bank’s credit cards. After an instant procedure, he receives a RBL Bank Platinum Maxima Credit Card. With this, he makes all his purchases happily.
This blog delineates the RBL credit card and its various types.
A credit card from RBL Bank is a financial tool that empowers people like Pawan to spend immediately and pay for it later. However, the credit card encompasses various benefits that help its cardholders save money.
Features | Benefits |
Welcome Bonus | Eligible for 8,000 reward points after activating the card. |
Example: Pawan gets 8,000 rewards instantly after the activation of his card. | |
Reward Points |
2 reward points for all ₹ 100 purchases.
10 reward points for all ₹ 100 bills on dining, entertainment, utility bills, and international purchases. |
Example: Pawan spends ₹ 691 on clothing, which means he receives 13.82 reward points for every ₹ 100 purchase.
Rewards Point Calculation: ₹ 691/100 = 6.91 6.91*2 (reward points) = 13.82 points. So Pawan earns 13.82 reward points. The round off will fetch 14 reward points. | |
Lounge Access | Free 2 domestic airport lounge access in India on every financial quarter. |
Example: Pawan can avail domestic airport lounge access in India only once between January to March (the First financial quarter). | |
Milestone Benefit |
Eligible for 10,000 points on purchases worth ₹ 2,50,000 lakhs and above in a financial year.
An extra 10,000 points if the purchases exceed ₹ 4,00,000. |
Example: Pawan can earn 20,000 points if he spends more than ₹ 4,00,000 in a year. | |
Entertainment Benefit | 1 complimentary movie ticket for bookings via BookMyShow if the purchase is only up to ₹ 100. |
Example: If Pawan purchases a movie ticket worth ₹ 100 via BookMyShow, he gets another free ticket. |
Fees and Other Charges
Fee Type | Charges |
Joining Fees | ₹ 2,000 + GST |
Annual Fees | ₹ 2,000 + GST |
Annual Percentage Rate | 47.88% |
Other Different Types of RBL Credit
Depending on the different shopping needs and budgets, RBL Bank provides different types of credit cards, which cater to the needs of people.
1. RBL Shoprite Credit Card
This credit card is exclusively designed for making grocery purchases. The card has the joining fees of ₹ 500, making it more affordable.
Features | Benefits |
Welcome Bonus | An instant 2,000 reward points after activating the card. |
Example: These 2000 reward points can be used in other purchases | |
Entertainment Benefit | Eligible for a 10% discount on movie bookings via BookMyShow, only up to ₹ 100 for 15 times annually. |
Example: Eligible for a 10% discount on ₹ 100 worth of movie tickets. | |
Reward Points | 1 reward point for all ₹ 100 purchases, excluding fuel.
20 reward points for all ₹ 100 at grocery shops, with a maximum of eligible to be received 1000 points in a month. |
Example: Purchases of goods worth ₹ 135 yield 1.35 rewards. | |
Fuel Surcharge | Waiver of ₹ 100 if the fuel transactions are between ₹ 500 and ₹ 4,000. |
Example: If the fuel transaction is ₹ 750, then ₹ 100 is waived into the account. |
Fees and Other Charges
Fee Type | Charges |
Joining Fees | ₹ 500 + GST |
Annual Fees | ₹ 500 + GST |
Annual Percentage Rate | 47.88% |
2. RBL Bank World Safari Credit Card
Features | Benefits |
Welcome Bonus | MakeMyTrip voucher of ₹ 3,000. |
Example: The cardholder can use this voucher in MakeMyTrip bookings. | |
Milestone Benefit | Eligible for gift vouchers worth ₹ 10,000 from Taj, Amazon, Croma, Myntra, and MakeMyTrip, if spending exceeds ₹ 7,50,000 in a year. |
Example: If the total spending on this year is ₹ 8,00,000, the cardholder gets a ₹ 10,000 gift voucher from the above-mentioned select merchants, and can be redeemed with them. | |
Reward Points | 10,000 bonus travel reward points if the spending exceeds ₹ 2,50,000 in a year.
An extra 15,000 travel reward points if the spending exceeds ₹ 5,00,000 in a year. |
Example: If the cardholder crossed any of these spending limits in a year, they are eligible for these reward points. | |
Lounge Access |
2 complimentary free domestic airport lounge access in a financial quarter, per year.
2 complimentary free international airport lounge access in a financial quarter, per year. |
Example: The cardholder can avail lounge access in domestic and international airports only once a quarter of the year. | |
Fuel Surcharge | Waiver of ₹ 250 per month if the fuel transactions are between ₹ 500 and ₹ 4,000. |
Example: If the fuel transaction is ₹ 600, then the cardholder needs the waiver of ₹ 250. |
Fees and Other Charges
Fee Type | Charges |
Joining Fees | ₹ 3,000 + GST |
Annual Fees | ₹ 3,000 + GST |
Annual Percentage Rate | 47.88% |
3. RBL Bank Money Tap Black Credit Card
This credit card incorporates many offers, cashbacks, and special discounts, which are suitable for avid shoppers.
Features | Benefits |
Monthly Benefit | Eligible for 1,000 reward points for making transactions worth ₹ 1,000 or more, five times in a month. |
Example: If the cardholder makes a transaction of more than ₹ 1,000 for groceries, flight tickets, or any other five times in a month, he or she is eligible for 1,000 reward points. | |
Entertainment | Eligible for a 10% discount on movie bookings via BookMyShow, only up to ₹ 100 for 15 times annually. |
Example: Eligible for a 10% discount on ₹ 100 worth of movie tickets. | |
Lounge Access | 1 free domestic airport lounge access in a year, at per quarter. |
Example: The cardholder can enjoy domestic airport lounge access only once a quarter of the year. | |
Milestone Program | 8,000 reward points if annual spending exceeds ₹ 2,50,000 lakhs.
Additional reward points of 8,000 if annual spending exceeds ₹ 4,00,000. |
Example: The cardholder gets a reward point of 8,000 if the transaction exceeds ₹ 4,00,000 for various categories of spending. | |
Fuel Surcharge | Eligible to receive ₹ 100 as a waiver in a month if the fuel transaction is between ₹ 500 and ₹ 4,000. |
Example: If the fuel transaction is ₹ 600, then the cardholder gets a waiver of ₹ 100. |
Fees and Other Charges
Fee Type | Charges |
Joining Fees | NIL |
Annual Fees | ₹ 3,000 + GST |
Annual Percentage Rate | 47.88% |
Eligibility for RBL Credit Card
Pawan must meet the following eligibility criteria to apply for any one of these RBL Credit Cards:
Age | Between 21 and 65 years of age. |
Employment | Salaried or Self-Employed |
Income Status | ₹ 1,00,000 lakhs to ₹ 3,00,000 lakhs |
750 and above |
Required Documents
Pawan must prove his residence and identity by furnishing the following documents:
Identity Proof | Aadhaar Card, driving license, PAN card, Voter ID, or Passport. |
Address Proof | Electricity Bill, Ration card, previous month’s bank statement, or telephone bill. |
Income Proof | Latest Payslip, Form 16, or Income Tax Return |
How to Apply?
Pawan can apply for the RBL Credit Card in any one of these two methods:
Online Method | Offline Method |
Step 1: Log on to the official website of RBL Bank.
Step 2: Navigate the cursor to the tab “Products,” which is in the header of the website.
Step 3: A drop-down menu will be displayed. Move the cursor to “Personal Banking.”
Step 4: Under this tab, select the option “Cards,” which will open a menu. Click “Credit Cards.”
Step 5: On the next page, you can view various credit cards of RBL Bank. Select your preferred credit and click “Apply Now.”
Step 6: Fill in the required details, and validate it with One-Time Password (OTP).
After this procedure, you will get a confirmation message via your mobile number and email. |
Pawan must go to the branch office of RBL Bank and complete the application process with the required documents. |
Note: The status of your credit card application will be informed through email or your mobile number. | Note: Based on eligibility criteria, RBL Bank allots the respective credit card. |
Conclusion
Many people think that a credit card is only a financial tool which helps to purchase goods and to pay for them later. However, beneath that surface level of understanding lies vast offers from a credit card. Many times, it helps the cardholders to save their hard-earned money, more than they spend. At such instances, RBL Bank’s credit cards remain a stalwart.
FAQs
1. Is it easy to apply for an RBL Credit Card through its website?
Yes, it is easy and also encompasses hassle-free procedures to get approved for your desired RBL Credit Card.
2. If my CIBIL score is 350, am I eligible to get a credit card?
For a CIBIL score of 350, you may not get approved for a credit card. However, at least the required salary must satisfy the bank’s eligibility criteria.
3. What is the joining fee of the Shoprite Credit Card?
The joining fee is ₹ 500. However, the GST is also included in the final payment process.
4. Is it safe to furnish KYC documents online?
All the online processes are completely safe and secure.
5. What is the welcome bonus of the RBL Bank World Safari Credit Card?
The welcome bonus is a voucher of ₹ 3,000 from MakeMyTrip.
About the Author
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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