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Federal BankThe RBL, or Ratnakar Bank Limited, was founded in 1943, and it aims to become India’s Bank of Choice and build long-lasting relationships with its clients and partners. With over 400 RBL Bank branches in the country, there are more than 40 Lakh satisfied credit card customers, and the number continues to grow at a healthy pace. RBL Bank has a great range of credit cards, from entry-level to beginner cards. All cards provided by the bank are packed with unique privileges and benefits in order to fulfil the needs and requirements of customers.
For those who have just started working and are new to the credit scene, RBL Bank also offers several lifetime free credit cards without any joining or annual fees. These cards may not have the privileges offered by high-end offerings, but they are perfect for developing good credit behaviour and building your credit score. In this article, we will read about RBL Bank lifetime free credit cards and some other variants that charge a low, affordable joining fee..
Table of Contents
RBL Bank Lifetime Free Credit Cards
Fees
Joining Fee
Renewal Fee
Best Suited For
Movies
Reward Type
Reward Points
Welcome Benefits
RBL Bank Credit Cards – Joining Fee Under Rs. 500
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Movies
Reward Type
Reward Points
Welcome Benefits
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
RBL Bank Credit Cards – Joining Fee Under Rs. 1000
Fees
Joining Fee
Renewal Fee
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Lifetime Free Credit Cards by RBL Bank
RBL Bank has one-lifetime free credit card in its portfolio which is exclusively reserved for the Insignia Preferred members of the bank. The card offers many premium benefits for users, and we will learn more about it.
RBL Bank Insignia Preferred Banking World Credit Card
The RBL Bank Insignia Preferred Banking World Credit Card is a premium offering by the bank and has many high-end benefits and privileges. The card is just for the bank’s Insignia Preferred members, and you must get in touch with your relationship manager in order to apply for this credit card. With this card, you get a complimentary Priority Pass membership, dining offers, movie benefits, and an unmatched concierge service. The reward rate on the credit card is also quite decent, offering 10 RPs per Rs. 100 spent on international and 5 RPs per Rs. 100 on domestic spends. Moreover, you also get access to golf sessions at top courses around the world.
- 5 reward points per Rs. 100 on domestic spends
- 10 reward points per Rs. 100 on international spends
- Complimentary Priority Pass membership offering 6 international lounge access per year
- 2 complimentary domestic lounge access per quarter with Mastercard lounge access program
- 30000 worth of travel benefits on spending Rs. 8 Lakhs or more in the card anniversary year
- 500 discount on your BookMyShow movie tickets
Currently, this is the only lifetime free credit card offered by RBL Bank. However, several other cards charge a low, nominal annual fee from cardholders. Next, we will take a look at these cards.
Credit Cards with Joining Fee Under Rs. 500 by RBL Bank
Apart from the lifetime free credit card, many affordable credit cards by RBL Bank charge a joining fee below Rs. 500. Let’s know more about these credit cards –
RBL Bank Cookies Credit Card
The Cookies credit card by RBL Bank is a basic entry-level offering that charges a joining and renewal fee of Rs. 100 per month. Even though it has a low membership fee, it offers many exciting benefits and rewards to the cardholders. You get a Rs. 1000 gift voucher as a welcome benefit with the card, along with 1 reward point per Rs. 100 spent offline and 5x reward points per Rs. 100 spent online. You even get up to 10% discount on popular merchants like Zomato, Uber, Myntra, etc. and Rs. 5000 worth of gift vouchers on reaching the milestone spend.
- 1000 gift vouchers as a welcome benefit
- 5 reward points per Rs. 100 spent with the card
- Up to 10% discount on BookMyShow movie tickets
- Up to 10% discount at Myntra, Zomato, Uber, and other popular brands
- 5000 worth of gift vouchers on reaching the target spend milestone
- 1% fuel surcharge waiver and spend-based monthly fee waiver
BookMyShow RBL Bank Play Credit Card
RBL Bank and BookMyShow partnered to launch their co-branded movie credit card, the BookMyShow RBL Bank Play credit card. The card is exclusively meant for individuals who regularly watch movies at theatres and book their tickets through the BookMyShow portal. The card has an affordable joining fee of Rs. 500 that can be waived upon reaching the spend milestone, while the card is free of cost for BookMyShow Super Star members. There are no regular reward points on this credit card, and you can get up to 2 movie or non-movie tickets per month on reaching the target spend.
- Up to Rs. 500 discount on movie, streams, events tickets, etc. on BookMyShow, as welcome benefit
- Get up to 2 movie or non-movie tickets per month on reaching the monthly target spend
- Get up to Rs. 100 discount on food and beverage items on movie ticket bookings through BookMyShow
- 1% fuel surcharge waiver and spend-based annual fee waiver
RBL Bank Shoprite Credit Card
The RBL Bank Shoprite credit card is the ideal choice for cardholders that want to make savings on almost all their spends. The card offers discounts on BookMyShow movie ticket bookings as well as rewards on your grocery spends. Cardholders have to pay a nominal joining fee of Rs. 500 for this card, and you even get 2000 bonus reward points as a welcome benefit when you make your first purchase within 30 days of card issuance. Moreover, you can earn accelerated reward points of up to 20 RPs per Rs. 100 spent on certain categories and redeemed points for a host of categories. There are no travel benefits with the card, but it makes up for it in other departments.
- Bonus 2000 reward points as a welcome benefit
- 1 RP per Rs. 100 spent on retail and up to 20 RPs per Rs. 100 spent on groceries
- Up to 10% off on movie tickets through BookMyShow
- 1% fuel surcharge waiver and spend-based annual fee waiver
Credit Cards with Joining Fee Under Rs. 1000 by RBL Bank
Apart from the cards discussed above, some credit cards by RBL Bank charge somewhere between Rs. 500 to Rs. 1000 as joining and annual fees. They are not as expensive as some offerings in the premium category, and you can also get the annual fee waived on reaching the spend milestones. Let’s take a look at these credit cards.
RBL Bank Platinum Delight Credit Card
The RBL Bank Platinum Delight credit card can be considered the superior variant to the Titanium Delight credit card, and it offers exciting rewards on a host of spending categories. The card charges a joining fee of Rs. 1000 from the cardholders and offers up to 4000 reward points as a welcome benefit. You get 2 reward points per Rs. 100 spent with the card and 2x reward points on your weekend spends. You can even get an annual fee waiver on the basis of your spends and a 1% fuel surcharge waiver on all transactions between Rs. 500 to Rs. 4000.
- 4000 reward points as a welcome bonus
- 2 reward points per Rs. 100 spent on weekdays
- 2x reward points per Rs. 100 spent on weekends
- Bonus reward points on reaching monthly spend milestone
- 1% fuel surcharge waiver and spend-based annual fee waiver
Benefits of RBL Bank Lifetime Free Credit Cards
No doubt, lifetime free and other low joining fee credit cards are not at par with other super-premium cards when it comes to rewards and privileges. However, these cards are perfect for millennials and young professionals. Instead of focusing on top-of-the-line privileges and exclusive services, some individuals want a decent credit card that allows them to make savings on most purchases and helps them develop a good credit history and score.
The following are the benefits of getting a lifetime free credit card from RBL Bank –
- There is no joining or annual fee charged from the cardholders for a lifetime free credit card.
- The process to apply for these credit cards is quite simple and straightforward. You can go to your nearest branch or visit their website and follow the simple application process.
- Even though lifetime free cards don’t charge any fees, they still offer a nice range of features and benefits across most categories, including dining, movies, reward points, shopping, and more.
- You can redeem the reward points you earned against various products and vouchers, against the statement balance, or transfer them to partner airline/hotel loyalty program points.
- You can do many things with lifetime free credit cards, including building a nice credit profile and a nice credit score so that you can switch over to better, premium credit cards in the near future.
How to Apply for RBL Bank Credit Cards
In order to apply for RBL Bank credit cards, you have to follow these steps –
- Out of all the credit cards, choose the one you want and click on Apply Now.
- Fill in your details.
- Provide your documents and all other information to complete the application successfully.
- Submit your application.
Eligibility Criteria and Documents Required
You must meet the following eligibility criteria in order to apply for RBL Bank credit cards –
- The primary applicant must be a minimum of 21 years old
- The applicant must be an Indian resident or citizen
- The applicant must have a stable source of income
- The applicant must have a decent credit history and CIBIL score
You will need to provide the following documents when applying for RBL Bank credit cards –
- ID Proof – Aadhaar Card, PAN Card, Driver’s License, Passport, etc.
- Address Proof – Aadhaar Card, Rent Agreement, Ration Card, Passport, Latest Utility Bills, etc.
- Income Proof – Salaried individuals need to provide the latest months’ salary slips and bank statements. Self-employed individuals need to provide their audited ITR of the previous year.
Credit Cards Comparison
We will compare the RBL Bank lifetime free card and other affordable cards in the following table –
| Category | RBL Bank Insignia Preferred Banking World Credit Card | RBL Bank ShopRite Credit Card |
| Joining/Annual Fees | Nil | Rs. 500 plus GST |
| Welcome Benefit | NA | Bonus 2000 reward points |
| Reward Earning | 5 RPs per Rs. 100 on domestic spends. 10 RPs per Rs. 100 on international spends. | 1 RP per Rs. 100 on retail spends 20 RPs per Rs. 100 on grocery spends |
| Reward Redemption | Reward points can be redeemed at RBL Rewards portal against e-vouchers, flight bookings, mobile recharges, etc. where 1 RP = Rs. 0.25 | Reward points can be redeemed at RBL Rewards portal against e-vouchers, flight bookings, mobile recharges, etc. where 1 RP = Rs. 0.25 |
| Dining/Movie Benefits | Rs. 500 discount on BookMyShow movie tickets. Exclusive dining program offering personalized hospitality and priority reservations | Get 10% off on BookMyShow movie tickets, 15 times per year |
| Travel Benefits | Complimentary domestic and international lounge access with Priority Pass | NA |
| Spend-Based Waiver | NA | Renewal fee waiver on spending Rs. 1.5 Lakhs in the previous year |
Bottom Line
Not everyone is a high net worth or rich individual, and most people cannot afford to get the super-premium credit cards available in the market. Many of us are happy with mid-range lifestyle cards, while for some people who are totally new to credit, lifetime free credit cards are the best choice.
The RBL Bank has a one-lifetime free credit card, the Insignia Preferred Banking World Credit Card, but it is exclusively meant for the bank’s Insignia Preferred banking members. In the above article, we even talked about several RBL Bank cards that charge a nominal joining fee of up to Rs. 500 and offer various rewards and benefits across different categories.
If you are not looking for the best-in-class privileges with your credit card, then these cards will be affordable and highly useful to you. You can leverage these cards for maximum benefits and get the hang of credit through them. Build a decent credit score and profile with these cards so that you can successfully move on to other premium variants in the near future.
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