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RBL Bank is an Indian private sector bank with headquarters in Mumbai. The Ratnakar Bank Limited (RBL Bank) was founded in 1943, and ever since, it has grown and stretched its network through 520 branches and 414 ATMs all across India. The bank deeply believes in building nurturing and long-lasting relationships with its customers, employees & and partners thereby creating a vision of ‘Bank of Choice’. As of January 2024, the RBL Bank had a count of more than 53 lakh 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, including Fintech and co-branded cards, so customers have many 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.
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 perfect cards. But if you are looking for some of the best credit cards offered by RBL Bank, then the list below will certainly interest you. 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:
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Movies | Food |
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Shopping |
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Shopping |
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Movies | Travel |
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Shopping |
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Travel | Shopping |
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Movies |
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Shopping |
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Dining |
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Dining |
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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 Credit 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) offers 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 a fuel surcharge waiver, a spend-based waiver of the annual fee, and many more.
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 of the best RBL Bank Credit Cards and their features and benefits below:
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, dining benefits, and much more. This card allows you to earn ten reward points on international transactions and five reward points on all domestic transactions.
The RBL Bank offers a pocket-friendly card with a low membership fee. The RBL Bank Cookies Card provides its customers with exclusive and exciting offers and benefits. Earn one reward point on all offline spends and accelerated reward points (5x) on all eligible online spends. You get a 10% discount on BookMyShow, Zomato, Myntra, and Uber on this card. On achieving the milestone benefits, you can get a gift voucher worth up to Rs. 5000.
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.
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.
On the RBL Platinum Maxima Card, the RBL Bank offers 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 other offers.
The RBL Bank offers this credit card, which lets you earn up to 20,000 reward points post payment of the 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 2,000 reward points per month.
With RBL Bank Movies and More cards, 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 or 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 of up to 15,000 on achieving the annual spend limit. Redeem your reward points for air travel, hotel stays, shopping vouchers, and much more.
This credit card offers exclusive reward points on grocery shopping, fuel, and a 10% discount on booking movies from BookMyShow. With the 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 category except fuel.
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 an excellent reward rate, whereas others 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 |
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RBL Bank Cookies Credit Card |
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RBL Bank Popcorn Credit Card |
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RBL World Safari Credit Card |
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RBL Platinum Maxima Card |
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RBL Bank Icon Card |
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RBL Movies and More Card |
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RBL ShopRite Credit Card |
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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 spending 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 the 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. |
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 RBL Rewards. RBL Bank charges a fee of Rs. 99 for the redemption of rewards. This is not applicable for the Insignia Preferred Banking Card.
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 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. |
To apply offline for an RBL Bank credit card, you can visit your nearest RBL branch or fill in the online application form as follows:
The documents required to apply for RBL Bank Credit Cards are mentioned below:
If you already applied for a credit card from RBL Bank, you check the status of your credit card application as follows:
Moreover, the status of the application can also be checked by contacting your credit card customer care or by visiting the nearest branch.
After receiving a new RBL Bank Credit Card, you might look for ways to activate your credit card. You can activate the card using any of the online & offline methods given below:
As Internet banking has made most banking tasks easier and less time-consuming, RBL Bank also allows its customers to avail of net banking on their credit card accounts. You can register your RBL Credit Card for internet banking using the steps mentioned below:
For any queries/doubts or complaints related to your RBL Credit Card, you can contact customer care using the contact details given below:
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 you are looking for. Other than all these advantages, there are other factors as well, including annual fees, eligibility criteria, etc, which can affect your decision when choosing the best credit card for yourself. People who are new to credit cards will look for the best entry-level credit cards. In contrast, high-income individuals who have already built an excellent credit score will most probably go with premium credit cards.
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 provide 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 fulfil all your expectations, go through all their features, fees & charges, etc., and choose the one that provides maximum benefit with minimum charges.
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.