RBL Bank, is an Indian private sector bank having headquarters in Mumbai. The Ratnakar Bank Limited (RBL Bank) was founded in the year 1943 and ever since it has grown and stretched its network through 429 branches and 412 ATMs all across India. The bank deeply believes in building nurturing and long-lasting relationships with its customers, employees & partners and thereby creating a vision of ‘Bank of Choice’. As of November 2022, the RBL Bank had a count of 42,30,404 outstanding credit cards, and the digits are growing every day.
The RBL Bank keeps its customers at the topmost priority and provides them with world-class products and services to meet all of their requirements. It has more than 40 credit cards in its portfolio and hence the customers get a good number of options to choose from. In this article, you will read about the features and benefits of the top credit cards offered by RBL Bank. Also, we will help you understand how you can choose the right card for yourself.
List Of Best RBL Credit Cards In India
As there are hundreds of credit cards issued by different banks/card issuers in the market, it becomes difficult for individuals to find all the RBL Bank Credit Cards in one place. The following are the best RBL Bank Credit Cards in India. You can find credit cards best suited in all the categories. To help you more, we are here with detailed features & benefits, fees & charges, along with all other important details about these credit cards by the RBL Bank. Go through the complete article to learn more:
- RBL Bank Insignia Preferred Banking World Card
- RBL Bank Cookies Credit Card
- RBL Bank Icon Credit Card
- Zomato Edition Classic Credit Card
- BookMyShow RBL Bank Play Credit Card
- RBL Bank Edition Credit Card
- RBL Bank ShopRite Credit Card
- RBL World Safari Credit Card
- RBL Bank Popcorn Credit Card
- RBL Bank Titanium Delight Card
- RBL Platinum Delight Credit Card
- RBL Bank PLATINUM MAXIMA CARD
- RBL Bank Monthly Treats Credit Card
2,000 bonus Reward Points in the form of welcome benefits.
1 Reward Point for every Rs. 100 spent on retail spends, 10 reward points on fuel, and 20 reward points on grocery purchases.
Rs. 500 plus applicable taxes
Bonus Reward Points of up to 3,000 points.
On every Rs. 100 spent on groceries on Wednesday, you will get 1 Reward Point, For every Rs. 100 spent on all other transactions, you will get 1 Reward Point.
You get 4,000 Reward Points on making your first purchase within 30 days of card issuance.
2 Reward Points on every Rs. 100 spent on weekdays and 4 Reward Points on every Rs. 100 spent on weekends.
Rs. 1,000 plus applicable taxes
8,000 Reward Points
2 Reward Points per Rs. 100 spent on all purchases and 10 Reward Points per Rs. 100 spent on utility bill payments, dining, entertainment, fuel, and international transactions.
Rs. 2,000 plus applicable taxes
RBL Credit Cards Features and Benefits
Just like every other major credit card issuer in the country, the RBL Bank also offers several exciting benefits to its credit cardholders. Different cards may have different advantages across several categories. Keep reading to understand some general features and benefits that are offered with RBL Credit Cards:
- Welcome Benefits: Welcome benefits are offered to the cardholders when they newly join an RBL Credit Card membership. These can be in the form of bonus Reward Points, gift vouchers, or any other type of benefits. In general, the cardholders need to pay the joining fee in order to avail of welcome benefits.
- Reward Programs: Different RBL Bank Cards come with different reward programs. Some of the cards reward their customers in the form of points, whereas others offer cashback. Moreover, the reward rate can also vary for different cards and om different categories.
- Travel Benefits: Travel benefits that you may get with an RBL Credit Card include complimentary lounge access to domestic/international airports, discount offers on flight/hotel bookings, and many more.
- Dining & Movie Benefits: As a lot of people love watching movies and dining out, keeping their requirements in mind, the RBL Bank also offers some great dining and entertainment privileges like buy 1 get 1 free (BOGO) offer on movies, discount offers on dining, etc.
- Other Benefits: Other than all the features and benefits mentioned above, the credit cards issued by the RBL Bank come with various privileges, including fuel surcharge waiver, spend-based waiver of the annual fee, and many more.
Top RBL Bank Credit Cards
RBL Bank offers a wide range of co-branded as well as non-co-branded credit cards and hence it might be really confusing for cardholders to choose a card that suits their needs as well as spending habits. To help you out, we have mentioned some best RBL Bank Credit Cards and their features and benefits below:
RBL Bank Insignia Preferred Banking World Card
The Insignia Preferred Banking World Card offered by RBL Bank is an exclusive card that is offered to the preferred members only. To get this card you need to contact your relationship manager. With this card, you can enjoy premium benefits, movies and dining benefits, and much more. This card allows you to earn 10 reward points on international transactions and 5 reward points on all domestic transactions.
RBL Bank Cookies Credit Card
The RBL Bank offers a pocket-friendly card with a low membership fee. The RBL Bank Cookies Card provides its customers exclusive and exciting offers and benefits. Earn 1 reward point on all offline spends and accelerated reward points (5x) on all online spends. You get a 10% discount on BookMyShow, Grofers, Zomato, Myntra, and Uber on this card. On achieving the milestone benefits you can get a gift voucher worth up to Rs. 5000.
RBL Bank Popcorn Credit Card
The RBL Bank Popcorn Credit Card is made for those who are looking for a card offering benefits in movies and entertainment. On this card, you get 4 complimentary movie tickets worth Rs. 1000 on payment of membership fee. You get assured weekly cashback of Rs. 25 on reaching the target of Rs. 2,500 in a week. Apart from this you also get 2 free movie tickets every month.
RBL World Safari Credit Card
The RBL Bank offers a travel credit card which provides a welcome benefit of MakeMyTrip travel voucher worth Rs. 3000 on payment of the membership fee. You can earn 2 travel points on spending Rs.100 on other categories and 5 travel points on Rs. 100 spent on travel. With this card, on achieving annual spending of Rs. 2.5 lakhs, you get 10,000 bonus points and on achieving annual spending of Rs. 5 lakhs, you earn up to 15,000 travel points. The most significant feature of the RBL Bank Safari Credit Card is the zero foreign mark-up fee on all foreign transactions.
RBL Edition Credit Card
The RBL Edition Credit Card is a dining card that allows you to earn reward points as Edition Cash on making transactions using this credit card. You can earn 10 edition cash on every Rs. 100 spent on ordering food from Zomato and 2 edition points on ordering food from other food apps apart from Zomato. On spending Rs. 100 on all other categories you earn 1 reward point. Being a dining card, it still offers you travel benefits and a lower foreign currency transaction fee of 1.5%.
RBL Edition Classic Credit Card
With RBL Edition Classic Credit Card every cardmember gets a complimentary annual subscription to Zomato Pro Membership. On ordering food from Zomato the credit card members earn 5 edition cash and on ordering food from other food apps the card members earn 1.5 edition cash. You get a bonus edition cash of 2000 on reaching the annual spend of Rs. 2,00,000. 1 edition cash is equivalent to Re. 1.
RBL Platinum Maxima Card
On RBL Platinum Maxima Card, the RBL Bank offers the credit cardholders several exclusive offers and discounts. You can earn 2 reward points on every Rs. 100 spent on this card and 5x reward points per Rs. 100 spent on fuel, movies, dining, utility bills, international purchases, etc. Moreover, on achieving the spend targets you can gain up to 20,000 bonus reward points. On the Platinum Maxima Card, you get a ‘Buy 1 Get 1’ offer on booking movie tickets from BookMyShow and many more other offers.
RBL Bank Icon Card
The RBL Bank offers this credit card which lets you earn upto 20,000 reward points post payment of joining fee and 45,000 reward points on achieving milestone benefits. With this card, you can enjoy 2 complimentary domestic lounge access and offers on booking movie tickets twice a month. The RBL Bank Icon Card allows you to earn a maximum of 2000 reward points per month.
RBL Movies and More Card
With RBL Bank Movies and More card, the cardmembers can enjoy exciting offers on movies and dining. You can earn 10 reward points on every Rs.100 spent on booking movie tickets from BookMyShow, ordering from Pizza Hut and KFC. Every Wednesday you can earn 20 reward points on Rs.100 spent on dining. With this card enjoy the milestone benefits of bonus reward points up to 15,000 on achieving the annual spend limit. Redeem your reward points for air travel, hotel stays, shopping vouchers, and much more.
RBL ShopRite Credit Card
This one credit card offers exclusive reward points on grocery shopping, fuel, and a 10% discount on booking movies from BookMyShow. With RBL ShopRite Credit Card you earn accelerated reward points on grocery and fuel spends. This card is worth considering as it allows you to earn 1 reward point per Rs.100 spent on every other categories except fuel.
RBL Credit Card Reward Points and Cashback Benefits
The following table summarizes the reward rate on different credit cards issued by the RBL Bank. Some of them are premium cards that come with a really good reward rate whereas other may offer fewer reward points on your spends. Refer to the following table to know more:
|Credit Card||Reward Points|
|RBL Bank Insignia Preferred Banking World Card||
|RBL Bank Cookies Credit Card||
|RBL Bank Popcorn Credit Card||
|RBL World Safari Credit Card||
|RBL Edition Credit Card||
|RBL Edition Classic Credit Card||
|RBL Platinum Maxima Card||
|RBL Bank Icon Card||
|RBL Movies and More Card||
|RBL ShopRite Credit Card||
How To Earn and Redeem RBL Credit Card Reward Points?
With the RBL Bank Credit Cards, you can earn reward points on all your spends. However, different credit cards offer different reward rates which can be less or more depending on the annual charges of that particular card. Moreover, different credit cards are best suited to different categories, such as travel, entertainment, dining, etc. With most of these cards, you will earn basic reward points on all your spends, but accelerated reward points on selected categories, which can be different for different cards. To maximize your benefit with a rewards credit card, you should choose a credit card that offers accelerated reward points in a category where you spend the most.
Moreover, you should also redeem your earned reward points wisely by choosing the right option for redemption. For example, the value of reward points might be higher for redemption against gift vouchers and lesser for redemption against other categories. In this case, you should redeem your points against gift vouchers of a brand that you use frequently. However, if the value of reward points is the same for redemption against all the categories, you can go with any option for redemption. The following table shows the value of reward points of different RBL Credit Cards:
|Credit Cards||Reward Redemption|
|RBL Insignia Preferred Banking World Card, Cookies Credit Card, RBL World Safari, RBL Platinum Maxima, RBL Bank Icon, RBL Movies & More, RBL ShopRite Credit Card||1 Reward Point = Rs.0.25|
|RBL Bank Popcorn Credit Card||Cashback of Rs. 25 can be redeemed by scanning the QR code given on the backside of the card.|
|RBL Edition Credit Card and RBL Edition Classic Credit Card||
1 edition cash = Re.1
For all spends on zomato app/website
Adjust against the card’s outstanding balance.
You can easily redeem your accumulated reward points against e-vouchers, mobile recharges, flight tickets, hotel stays, and purchasing products and gadgets. You can choose products and services under the RBL Rewards Program. For more details go to https://www.rblrewards.com/. RBL Bank does not charge any reward redemption fee on any of the above-mentioned credit cards in this article.
When talking about choosing the right credit card, the annual fee is one of the most significant factors that is considered. You can find the annual fee & charges, and the condition for annual fee waiver of the Top RBL Credit Card in the table below:
|Credit Card||Joining Fee||Renewal Fee||Spend Based Waiver|
|RBL Bank Insignia Preferred Banking World Card||NIL||NIL||NA|
|RBL Bank Cookies Credit Card||Rs. 100||Rs.100/month||Renewal fee waived off on spending Rs. 5000 or more in the previous month.|
|RBL Bank Popcorn Credit Card||Rs. 1000 plus applicable taxes||Rs. 1000 plus applicable taxes||NA|
|RBL World Safari Credit Card||Rs. 3000 plus applicable taxes||Rs. 3000 plus applicable taxes||NA|
|RBL Edition Credit Card||Rs. 1499 + GST||Rs. 1499 + GST||Renewal fee waived off on spending Rs. 2,00,000 or more in the previous year.|
|RBL Edition Classic Credit Card||Rs. 500 plus applicable taxes||Rs. 500 plus applicable taxes||NA|
|RBL Platinum Maxima Card||Rs. 2000 plus applicable taxes||Rs. 2000 plus applicable taxes||NA|
|RBL Bank Icon Card||Rs. 5000 plus applicable taxes||Rs. 5000 plus applicable taxes||NA|
|RBL Movies and More Card||Rs. 1000 plus applicable taxes||Rs. 1000 plus applicable taxes||Renewal fee waived off on spending Rs. 1,50,000 or more in the previous year.|
|RBL ShopRite Credit Card||Rs. 500 plus applicable taxes||Rs. 500 plus applicable taxes||Renewal fee waived off on spending Rs. 1,00,000 or more in the previous year.|
How To Apply for RBL Credit Card Online?
To apply for an RBL Bank credit card, you can visit your nearest RBL branch or fill in the online application form as follows:
- Be ready with your documents.
- Visit the official website https://www.rblbank.com/.
- Select the credit card you are going to apply for.
- Click on the ‘Apply Now’ option.
- Fill in the application form carefully and check the details twice.
- Complete all the formalities as instructed on the bank’s official website.
The documents required to apply for RBL Bank Credit Cards are mentioned below:
- Identity Proof: PAN Card, Aadhar Card, Voters’ ID, Driving Licence, Passport, etc.
- Address Proof: Aadhar Card, Voter ID, Passport, Rent Agreement, Driving Licence, Utility bills, Property tax receipt.
- Income Proof: Latest salary slips/bank statements, or latest ITR.
How To Check RBL Credit Cards Application Status?
If you already applied for a credit card from RBL Bank, you check the status of your credit card application as follows:
- Visit the application tracking page of the RBL Bank.
- Under the section ‘RBL Bank Credit Card’ and click on ‘Track here.’
- Enter the details and get the status of your application.
Moreover, the status of the application can also be checked by contacting your credit card customer care or by visiting the nearest branch. However, the bank is not issuing any credit cards currently due to the RBI’s ban on the Mastercard network.
How To Activate RBL Bank Credit Cards?
After receiving a new RBL Bank Credit Card, you might look for the ways to activate your credit card. You can activate the card using any of the online & offline methods given below:
- Contact the RBL Bank Credit Card customer care and inquire the bank officials to assist you to generate the credit card PIN. You might be asked for a few details. Just provide them with the required details, follow all the instructions carefully, and your card will be activated successfully in a few seconds.
- You can also activate your card through RBL Bank’s mobile banking app (RBL MyCard app). Just log in to your account on the app and find the option to set a new PIN from the main menu.
- RBL Bank also has a separate page where you can generate or reset your credit card PIN. Just visit this page, enter the details and proceed further to activate your card.
RBL Credit Cards Login/Netbanking
As internet banking has made most of the banking tasks easier and less time taking, the RBL Bank also provides its customers to avail netbanking on their credit card account. You can register your RBL Credit Card for internet banking using the steps mentioned below:
- Visit the RBL Bank’s official website.
- Click on ‘Login’ and select the Personal Banking option.
- Now click on First Time user and register using your credit card.
- Enter all the required details of your card.
- Proceed further to set your user Id and password and click on Submit.
Know more about RBL Bank Credit Cards Internet banking login.
RBL Credit Cards Customer Care
For any queries/doubts or complaints related to your RBL Credit Card, you can contact customer care using the contact details given below:
- To contact via call, you can dial the RBL Credit Card Helpline Number: +91 22 6232 7777.
- To contact via email, just write your queries and send a mail to [email protected]
- You can also visit your nearest RBL Bank branch to get your doubts resolved.
Check more details about RBL Bank Credit Card customer care.
Which RBL Bank Credit Card is Best?
There is no single credit card that can be considered best for every credit cardholder. Different people like to spend on different categories and that is why RBL Bank offers a lot of credit cards keeping every segment of individuals and their spending habits in mind. Some individuals might find a credit card with travel benefits the best choice for them while others might not need any travel privileges. So, the best credit card for you depends on what categories you spend on the most and what sort of benefits are you looking for. Other than all these advantages, there are other factors as well, including annual fees, eligibility criteria, etc, which can affect your decision while choosing the best credit card for yourself. People who are new to credit cards will look for the best entry-level credit cards, whereas high-income individuals, who have already built an excellent credit score, will most probably go with premium credit cards.
How To Compare RBL Credit Cards and Choose The Best One?
Selecting the best credit card for yourself might be a challenging process as there are hundreds of credit cards in the market, all of which are providing great benefits across different categories. But if you think wisely, you can filter out the best credit card for yourself. Firstly, decide what type of credit card you want. Analyze your spending habits and note the categories where you are spending the most. After that, decide whether you need a lifetime free (no annual fee) credit card, a card with a low annual fee, or a premium card with a high annual fee. After deciding the features you need with a credit card, you can search for the best credit cards available in the market in that particular category. Make a list of all the credit cards that seem to fulfill all your expectations, go through all their features, fees & charges, etc, and choose the one that provides maximum benefit with minimum charges.
RBL Bank Lifetime Free Credit Cards
RBL Bank only issues one lifetime free credit card, which is the RBL Bank Insignia Preferred Banking World Card, which is an invite-only card and is exclusively for the preferred banking customers of the bank. It comes with several world-class benefits across various categories, including rewards, travel, and many more.
Other than this, there is no general lifetime free RBL Credit card issued by the bank. However, if you want a low annual fee card with decent benefits, you can check the RBL Cookies Credit Card and RBL Bank Monthly Treats Credit Card. Both the cards are affordable and will offer you a decent reward rate & other benefits.
Check out the following pages to know all about RBL bank Credit Cards and how to use them.
To get RBL Bank Insignia Preferred Banking World Credit Card, you need to contact your Relationship Manager on +91 22 6115 6300 or send an email to [email protected].
Kindly contact the customer service executive on 1800 121 9050. The customer service executives are available 24×7 and will assist you.
Yes, RBL Bank Credit Cards allow you to make foreign transactions. The RBL World Safari Credit Card can be the best choice for such transactions as there is no foreign currency mark-fee on the conversion amount on this card. Another card which is offered by the RBL Bank that has a lower foreign currency mark-up fee of 1.5% is RBL Edition Credit Card. Apart from these two credit cards all other credit cards charge a 3.5% mark-up fee.
You can provide any one from Voter ID, passport, Aadhar Card, driving license, etc. as address proof to get a card issued from the RBL Bank.
Currently RBL Bank is not issuing credit cards to new applicants because RBI has issued a notice restraining new Mastercard Asia from on-boarding new domestic credit card customers. For more details about the RBI Notice, check here.
The interest free period on RBL Bank Credit Card can range from 20-50 days depending upon the credit card scheme.
RBL Bank charges zero add-on fee for any credit card mentioned above.
The RBL Bank on RBL Popcorn Credit Card allows you to easily redeem weekly earned cashback of Rs.25 on spending Rs. 5000 in a week by following these simple steps:
- Scan the QR code given at the backside of your card.
- Enter your registered mobile number.
- Enter the last 4 digits of your RBL Bank Popcorn Credit Card.
- Enter the One Time Password (OTP) that you’ve received on your registered mobile number.
- The cashback will be credited within 2 days after the successful redemption process.
The RBL Bank made redeeming accumulated reward points easier for its credit cardholders through its RBL Reward Program. You can choose products and services from the product catalog. You can also redeem your reward points against the card’s outstanding balance on RBL Edition Credit Card and RBL Edition Classic Credit Card. For redemption, 1 RP is equivalent to Rs. 0.25 and 1 edition cash is equivalent to Re. 1.