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Key Features of RBL Bank Credit Cards

  • Wide Range of Cards: Lifestyle, travel, shopping, fuel, and premium cards.
  • Reward Points: Earn on every spend, redeemable for vouchers, flights, etc.
  • Welcome Benefits: Gift vouchers, bonus reward points, or cashback.
  • Contactless Payments: Tap-and-pay feature for secure transactions.
  • EMI Conversion: Convert big purchases into easy EMIs.
  • Zero Fraud Liability: Protection against unauthorized transactions.
  • Complimentary Airport Lounge Access: Available on select cards.
  • Fuel Surcharge Waiver: Save on fuel transactions.
  • Discounts & Offers: Partnered deals on dining, shopping, and travel.
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Benefits of RBL Bank Credit Cards

  • Cashback & Discounts: On online/offline spends.
  • Air Miles: On travel cards for flight bookings.
  • No Cost EMI: Options on electronics, fashion, etc.
  • Insurance Cover: Travel, purchase protection.
  • Exclusive VIP Services: Priority customer support, concierge.
  • Spend-Based Waivers: Annual fee waiver on reaching spending limits.
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How to Apply for RBL Bank Credit Card?

  • Online: Via RBL website or third-party aggregators (BankBazaar, Paisabazaar).
  • Offline: Visit RBL branch or apply through agents.
  • Documents Required: PAN Card, Aadhar/Passport/Voter ID, Salary slips , Bank statements (6 months).
  • Pre-approved Offers: Check if you have a pre-approved credit card offer from RBL based on your credit score for faster approval and minimal documentation.

Eligibility Criteria

  • Age: 21-65 years (primary), 18+ (add-on).
  • Income: Minimum salary (varies per card, usually ₹2L+ p.a. for premium cards).
  • Credit Score: 750+ for higher approval chances.
  • Employment: Salaried or self-employed with ITR proof.
  • Residential Stability: Applicant should have a stable residential address with a minimum of 1-year stay (helps in faster approval).
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Factors to Consider Before Applying

  • Annual Fees & Charges: Some cards have lifetime free options.
  • Interest Rate: Usually 1.5%-3.5% monthly.
  • Reward Redemption Policy: Expiry, redemption fees.
  • Credit Limit: Based on income & credit history.
  • Foreign Transaction Fees: 2-3.5% markup.

How to Use RBL Bank Credit Card?

  • Online Shopping: Use card details on e-commerce sites.
  • POS Swipe: Use at retail stores, restaurants, etc.
  • ATM Withdrawals: Cash advance with interest charges.
  • Contactless Payments: Tap at NFC-enabled terminals.
  • Bill Payments: Utilities, subscriptions, etc.

Frequently Questions & Answers

How to check RBL credit card application status?
Visit RBL website → Track Application → Enter details. Call customer care (1800 123 8040).
What is the interest-free period?
Up to 50 days (varies per billing cycle).
How to activate RBL credit card?
Via SMS: "ACTIVATE " to 5676766. Via NetBanking/Mobile App.
How to increase credit limit?
Submit income proof via NetBanking/customer care. Automatic limit hikes based on spending behavior.
How to redeem reward points?
Log in to RBL rewards portal → Choose redemption option (vouchers, cashback, etc.).
What if my card is lost/stolen?
Call customer care immediately for blocking. Request a replacement (charges may apply).
Does RBL offer a lifetime free credit card?
Yes, select cards like RBL Shoprite are lifetime free.
How to pay RBL credit card bill?
NetBanking/UPI (via RBL app). Auto-debit setup. Third-party apps (Paytm, Google Pay).

List of RBL Bank Credit Cards