RBL Platinum Delight Card
RBL Platinum Delight Card offers facilities as per its name. Users of this card will get delighting services and rewards. This is quite fabulous credit card that Ratnakar bank offers along with customers friendly splendid offers. Users will anniversary gift rewards points, other transaction benefits. RBL platinum credit card is joint venture of master card and RBL bank private limited. Earned reward points can be redeemed on purchased of gift vouchers and products. Card can be used not only in India but in abroad too. These benefits can be used for family members of rbl platinum credit card holder member, up to 5 add on cards can be used by the respective authority. To boost the security features of respective user bank offers features and facility like zero cards lose liability, EMV chip and PIN. One of the extra remarkable facilities that card users will get is authority to extend the limit of main credit card along with its add on cards quite comfortably. As per the policy of bank, user may set different transaction limit for different cards. Another authentication related services that bank will avail are email alerts and SMS alert services.
Benefits of RBL Platinum Credit Card
As welcome offer user will get 8000 rewards points to start their journey with their one of the most versatile credit card.
Steps to get your welcome gift
a. Initially user needs to pay joining fees charged by the bank before the last date of amount payment.
b. Perform some transaction within 30 days from card issue date.
c. Now as final step, download RBL mycard mobile app.
Rewards on all Purchase
If user will spend more than Rs. 100 in different categories then will earn 2 rewards points.
Up to 5X Rewards
If card member will spend INR 100 or more while swapping their rbl platinum credit card for fuel, dining, utility bill payment, entertainment and other transactions in abroad.
Annual Spends Bonus
a. Spend more than 3.5 lakh per annum through your credit card and you will get 10000 rewards points as bonus.
b. If user will buy something that worth more than 2 lakh in single financial year and you will receive 10000 rewards points.
Airport Lounge Access
To grab this offer, user needs to show their rbl platinum credit card at airport that will get their complimentary exploring facility for per offer in all major domestic airports across the county. Offer can be utilized for two times in every calendar quarter.
Complimentary Movie Tickets
a. As per norms of bank regarding this offer, users will get free movie ticket worth INR 200 or more on purchase of two or more movie ticket online from bookmyshow.
b. To get this offer always choose rbl bank buy one get one offer under discounts/offers section at bookmyshow app or website.
c. To get additional information regarding this offer please explore official portal of rbl bank or bookmyshow website.
As per policy of bank regarding rewards points redemption, rates may vary according to the policy of the bank and currently one reward point worth INR 00.25 and current rate is between 0.50% and 2.5%. Another interesting fact about this offer is that if user will spend these rewards points on utility bill payment, international shopping, entertainment and dining then rewards rate will be 2.5% and if user will spend points on other category then 0.50% rewards will be applied.
Easy Pay Facility
RBL bank offers the facility for rbl platinum credit card users to convert their onetime payment into EMI, to utilize this facility amount must be more than INR 5000. At the same time user can convert balance on other cards into EMI.
Flexi Amount Transfer Facility
Users will get the facility to extend the transaction limit of credit card and if they face any difficulty at any time or while transferring amount, may easily contact to customer care executive to get the solution of respective issues.
This card is accepted in more than 25 millions outlets across the globe and more than one million outlets in India. Users may easily buy any product they want to buy and pay later as per their comfort.
Features of RBL Platinum Delight Card
1. Card is installed with immense security features that make it different from other ones.
2. EVM chip associated with PIN boost secure transaction features.
3. Authentic Bio metric Configuration makes it even more special.
4. 24*7 customers support to provide instant solution of customers queries.
5. Easy EMI based payment facility in case of large scale shopping.
6. Instant approval facility to increase preapproved limit.
7. Globally accepted card, used by more than 25 million users worldwide.
8. Cardholders will get updates about every transaction that will be made through your credit card.
Eligibility for RBL Platinum Delight Card
1. Applicant bank record and transaction record must be as per bank policy.
2. Applicant must be an Indian.
3. If you already own credit cards and spends as per criteria then your request regarding new card will be processed quite quickly.
4. If your monthly salary is more than 40,000/- per month then you fulfill income eligibility.
5. Applicant minimum age must be 23 years old.
Important Documents for RBL Platinum Credit Card
1. Recent Passport size photograph.
2. Identity proof Documents (Voter Id card issued by Election commission, Passport, PAN card)
3. Address Proof Documents (Driving License, Water/Electricity bill, Passport, telephone bills ).
4. Last three month salary slip or bank statement.
5. For self employed business continuity proof is mandatory.
6. Income tax return statement along with form 16.
Fees and Charges for RBL Platinum Delight Card
1. Initial Fees : Rs. 4000
2. Annual Subscription Fees : Rs. 4000
Cash Advance Charges
It is best to use your credit card to withdraw amount form ATM, sometimes it may in increase the burden of your account, reason behind all this is that interest rates will be applied right after amount withdrawal. Current cash advance charges is 2.50% of total amount.
If you are someone who pay least due amount than full due amount then bank will charge around 3.5% monthly or around 42% per annum with respect to remaining total amount. To avoid all these concerns always pay your dues on time and maintain higher and healthier credit score.
Late Payment Fees
Late fees will come into effect if you will not clear all dues regarding your credit or other respective transactions. Current fess imposed by the bank is 15% of remaining amount. In other words, rate may vary between INR 350 and INR 1000 on basis of remaining amount.
Over Limit Penalty
If card user will cross the card limit then, penalty regarding over limit accessing will be imposed. Minimum amount will be imposed as over limit penalty is INR 600.
Overseas Transaction Charges
User can easily use the facility of international transactions via respective credit card. As per bank policy user need to pay charges 3.5% of total amount. Charges will be based on RBI guideline and current policy. Sometimes amount will be converted into US dollar in its respective INR amount to confirm the comparison between applied charges.
Why should opt for RBL Platinum Credit Card?
a. Airport Lounge Accessing Facility.
b. More than 8000 reward points, as welcome gift.
c. Discount on Movie Ticket Booking.
d. Bonus reward points on milestone spend.
e. Accelerated rewards on categories like dining, utility bill payment, entertainment, international purchases and fuels.
• To elaborate the benefits and services related to this card always swap your card on all beneficial stores and while performing other types of transactions. Once you will start utilizing the offers, you interest towards card and its offer will automatically increase. In specific categories you may get up to 5X rewards points. As far as annual fees is concern it is Rs. 2000 regarding this card. Always decide your priorities and requirements before taking any final call regarding applying for credit card.
RBL Platinum Credit Card Pros
a. Rewards on milestone spend.
b. Interesting Welcome Rewards.
c. Facility to access airport lounge.
d. Special accelerate rewards in special categories.
Cons of RBL Platinum Credit Card
a. Higher Interest Rate.
b. High Annual Fees.
c. No Fuel Surcharge Waiver.
Concerning Areas of RBL Platinum Credit Card
No Fuel Surcharge Waiver
As we know that maximum number of credit cards offers the facility of fuel surcharge waiver but this credit card is not fulfilled with these types of facility. If in case user uses his/her credit card to pay the amount then they have to manage applied fuel surcharge amount too.
Higher Annual Fees
Current annual subscription fees for respective card is INR 2000 as it offers delighting features and benefits. Someone who like the specification and facts about this card then they may for this card at the same time if someone is not interested in paying too much annual fees they should look for other alternatives, as per your budget and needs.
Higher Interest Rate
In comparison of other banks card, rbl platinum credit card interest rate is higher and as of now it is 3.50% per month and around 42% per annum. If you pay all your dues always on time then you can go for this one otherwise this is something that will prove costly and will create complication in account management.
RBL Bank Reward Program
This is one of the most vital and interesting facility to offer reward and earned rewards points under following category
a. Mobile Recharge.
b. Curated Personalized Gift.
c. Hotel Stays and Flight ticket booking.
d. Shopping products and latest gadgets.
e. Retail Shopping Voucher.
Important Notes: The customer needs to pay INR 250 as enrollment fees if they are not registered member of the rbl credit card. Under this program user will get redemption in delivery cost. Earned rewards points can be used in 24 months than 18 months. At the same time bank is offering plenty of flexibility for all users and its respective transaction history.
Customer Care Service Offered by RBL Bank
a. RBL customer care number: 1800 123 8040 or +91 22 61156300
b. Email Address: firstname.lastname@example.org
Credit Card Queries
a. Customer care number: 1800 121 9050 or 022 6232 7777
b. Email Address: email@example.com
Rural Banking and Agriculture Business
a. Regarding rural banking Services: 022 - 430 20799
b. Email Address: firstname.lastname@example.org
Administrative Office Address
RBL Bank Ltd. Mahavir, Shri Shahu Market Yard, Kolhapur - 416005. Maharashtra State, India.
Corporate Office Address
RBL Bank Ltd. One Indiabulls Centre, Tower 2B , 6th Floor, 841, Senapati Bapat Marg, Lower Parel (W), Mumbai 400013. India.
Registered Office Address
RBL Bank Ltd. 1st Lane, Shahupuri, Kolhapur - 416001. Maharashtra State, India.