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Features of RBL Bank Fantasy Credit Card

  • Reward Points on Every Transaction: One of the standout features of the RBL Bank Fantasy Credit Card is its robust reward points program. Cardholders earn reward points on every eligible transaction, with accelerated points for specific categories:
    • Entertainment Spends: Earn 10X reward points (up to 10 points per ₹100 spent) on entertainment-related purchases, such as movie tickets, concerts, and streaming services booked through partnered platforms like BookMyShow.
    • Dining: Get 5X reward points (up to 5 points per ₹100 spent) on dining at participating restaurants, cafes, and food delivery platforms.
    • Retail and Online Shopping: Earn 2X reward points (2 points per ₹100 spent) on retail purchases, both online and offline, excluding fuel and utility payments.
    • Other Spends: For all other eligible transactions, cardholders earn 1 reward point per ₹100 spent.
    These points are evergreen, meaning they do not expire as long as the card remains active, allowing users to accumulate them over time for significant redemptions. Points can be redeemed for flights, hotels, gift vouchers, and more through the RBL Rewards Portal.
  • Welcome Bonus: New cardholders are greeted with a generous welcome bonus to kickstart their Fantasy Credit Card journey. Upon making their first transaction within 30 days of card issuance, users receive:
    • A ₹1,000 gift voucher redeemable at premium brands like Amazon, Myntra, or Shoppers Stop.
    • 2,000 bonus reward points, which can be redeemed for flights, hotel bookings, or merchandise through the RBL Rewards Portal.
RBL Bank Fantasy Credit Card
    • Complimentary Movie Tickets: Enjoy two free movie tickets per month (worth up to ₹500 each) when booked through BookMyShow, along with a 10% discount on additional tickets (up to ₹100, 15 times annually).
    • Airport Lounge Access: Get two complimentary domestic lounge visits per quarter at major airports across India, providing a comfortable space to relax before flights.
    • Fuel Surcharge Waiver: Save 1% on fuel transactions between ₹500 and ₹4,000, with a monthly cap of ₹100, offering practical savings for frequent drivers.
    • Milestone Benefits: Earn 5,000 bonus reward points on spending ₹2 lakh annually and a ₹1,000 gift voucher plus annual fee waiver on spending ₹5 lakh annually.
    • Contactless Payments: The card supports tap-and-pay technology for quick and secure transactions at NFC-enabled terminals.
    • Global Acceptance: Accepted worldwide via Mastercard or Visa network, though international transactions incur a 3.5% foreign exchange markup fee.
    • EMI Conversion: Convert high-value purchases (above ₹2,500) into easy EMIs with flexible tenures ranging from 3 to 24 months.
    • Balance Transfer Facility: Transfer outstanding balances from other credit cards and repay them through low-cost EMIs, helping consolidate debt.
    • Enhanced Security: Features include EMV chip technology, OTP for online transactions, and card control options via the RBL Mobile Banking app.
    • Add-On Cards: Share benefits with family members by issuing add-on cards (minimum age 18 years), with all reward points credited to the primary account.
    • Annual Fee: ₹999 + GST, waived if you spend ₹1.5 lakh in the membership year, making it cost-effective for regular users.
    • Mobile Banking: Full integration with the RBL MoBank App for real-time tracking, bill payments, and reward redemptions.
    • Exclusive Offers: Regular discounts and cashback on dining, shopping, and travel through partnered brands and platforms.
    • Interest-Free Period: Up to 50 days interest-free credit when the total outstanding is paid by the due date.
    • Customer Support: 24/7 assistance via toll-free number (+91 8885545255), email, and in-app chat for prompt resolution of queries.
RBL Bank Fantasy Credit Card Benefits

Benefits of RBL Bank Fantasy Credit Card

  • 1. Entertainment Benefits:
    • Free Movie Tickets: Two complimentary tickets per month (up to ₹500 each) via BookMyShow.
    • Discounts: 10% off on additional movie tickets (up to ₹100, 15 times annually).

    Use Case: A family of four can save approximately ₹1,000 per month on movie outings, totaling ₹12,000 annually.

    Note: Minimum spend of ₹2,000 in previous billing cycle required to unlock movie benefits.

      • Travel Advantages: The card’s travel benefits cater to both domestic and frequent travelers:
      • Lounge Access: Two complimentary domestic lounge visits per quarter (eight annually) provide a luxurious travel experience, with access to refreshments, Wi-Fi, and comfortable seating.
      • Travel Discounts: Partnerships with travel platforms like MakeMyTrip and Yatra offer cashback and discounts on flight and hotel bookings, reducing travel costs.
      • Global Usability: Worldwide acceptance ensures cardholders can use the card seamlessly during international trips, despite the 3.5% foreign exchange markup fee.
      • Fuel Savings: The 1% fuel surcharge waiver (up to ₹100 monthly) translates to annual savings of ₹1,200 for cardholders who spend on fuel regularly.
      • Milestone Rewards: The card incentivizes higher spending through milestone benefits:
      • ₹2 Lakh Spend: Earn 5,000 bonus reward points, equivalent to ₹1,250 in value (assuming 1 point = ₹0.25).
      • ₹5 Lakh Spend: Receive a ₹1,000 gift voucher and an annual fee waiver, saving ₹999 (plus GST).
      • Flexible Payment Options:
      • EMI Conversion: Convert purchases above ₹2,500 into EMIs with tenures up to 24 months, making big-ticket purchases affordable.
      • Balance Transfer: Transfer balances from other credit cards and repay in low-cost EMIs, reducing interest costs and simplifying debt management.
      • Cost-Effective Fee Structure: The annual fee of ₹999 (plus GST) is competitive for a premium card, and the waiver on spending ₹1.5 lakh annually makes it effectively free for regular users.
      • Enhanced Security and Control:
      • EMV Chip: Reduces the risk of fraud during in-store transactions.
      • OTP for Online Purchases: Adds an extra layer of protection for e-commerce transactions.
      • Card Control: The ability to enable/disable specific transaction types via the RBL app or website gives cardholders full control over their card’s usage.
      • Add-On Card Benefits: Add-on cards allow family members to enjoy the card’s benefits, with all reward points credited to the primary cardholder’s account.
      • Exclusive Lifestyle Offers: RBL Bank’s partnerships with premium brands deliver exclusive discounts:
      • Dining: Up to 20% off at partner restaurants, enhancing the dining experience.
      • Shopping: 10% cashback on select e-commerce platforms during festive sales, saving hundreds on purchases.
      • Wellness: Discounts on spa services, gym memberships, and wellness products at partnered outlets.
      • Interest-Free Credit: The up-to-50-day interest-free credit period allows cardholders to make purchases and pay later without incurring interest, provided the total outstanding is cleared by the due date.
      • Digital Convenience: The RBL MoBank App and online banking portal offer a seamless user experience:
      • Real-Time Tracking: Monitor transactions, reward points, and credit limits instantly.
      • Bill Payments: Schedule automatic payments to avoid late fees.
      • Reward Redemption: Redeem points with a few clicks, with options delivered instantly.
      • Customer Support Accessibility: Round-the-clock customer support ensures cardholders can resolve issues promptly, whether related to transactions, rewards, or lost cards.
      • Building Credit History: Responsible use of the Fantasy Credit Card helps cardholders build a strong credit score. Timely payments and moderate credit utilization are reported to credit bureaus.
      • Festive and Seasonal Offers: During festive seasons like Diwali, Christmas, or New Year, RBL Bank rolls out limited-time offers, such as:
      • Bonus reward points on specific categories (e.g., electronics or jewelry). Higher cashback percentages on partnered platforms. Exclusive deals on luxury brands or travel packages.
      • Eco-Conscious Banking: By opting for e-statements and digital transactions, cardholders contribute to RBL Bank’s sustainability initiatives.
      • Emergency Cash Withdrawal: The card allows cash withdrawals at ATMs, subject to a cash advance fee and interest. While not a primary feature, this option provides a safety net during financial emergencies.
Check Best Gold Loan Offers

How to Apply for RBL Bank Fantasy Credit Card

  • 1. Choose Your Preferred Application Channel
    • Apply online via the official RBL Bank website: www.rblbank.com.
    • Apply through the RBL MoBank App (available on Android/iOS).
    • Visit the nearest RBL Bank branch for an offline application.
    • Use trusted third-party platforms like Logintoloans or Marketplaces.
  • 2. Select the Fantasy Credit Card
    • Navigate to the Credit Cards section under 'Personal'.
    • Choose "Fantasy Credit Card" from the available options.
    • Click on “Apply Now” to begin the process.
  • 3. Enter Personal and Contact Information
    • Full Name (as per Aadhaar/PAN).
    • Date of Birth (21+ years required).
    • Gender, Email ID, and Mobile Number.
    • City, PIN code, and full Residential Address.
  • 4. Provide Employment and Financial Details
    • Employment Status: Salaried or Self-employed.
    • Monthly/Annual Income and Employer/Business Name.
    • PAN Number (mandatory for verification).
  • 5. Upload Required Documents
    • Identity Proof: PAN, Aadhaar, Voter ID, Passport, or DL.
    • Address Proof: Aadhaar, utility bill, Passport, or rental agreement.
    • Income Proof: Bank statement, salary slip, ITR, or Form 16.
    • Upload scanned documents in PDF/JPEG format.
  • 6. Complete Verification and Submit
    • Verify details with OTP sent to your registered mobile number.
    • Review all information and click “Submit”.
    • Save your application reference number for future tracking.
  • 7. Finish KYC Verification
    • Video KYC: Schedule and attend a video call with PAN and Aadhaar.
    • Physical KYC (if needed): Submit documents at branch or to bank representative.
  • 8. Application Processing and Status Tracking
    • Processing typically takes 7–21 working days.
    • RBL reviews income, documents, and credit score (preferably 750+).
    • Track status via SMS, email, RBL website, MoBank App, or call 1800 121 9050.
  • 9. Receive and Activate Your Card
    • Approved cards are delivered within 5–7 working days post-approval.
    • Activation can be done via RBL Bank website or MoBank App.
    • Welcome kit includes your card, PIN, and user guidelines.
  • 10. Pro Tips for Approval
    • Ensure accurate details and complete documentation.
    • Apply only if eligible to avoid rejection and credit score drops.
    • Avoid multiple applications simultaneously.
  • 11. Use Pre-Approved or Instant Approval Options
    • Check if you have a pre-approved credit card offer on RBL Bank’s website or through email/SMS.
    • Pre-approved applications may involve minimal documentation and faster processing.
  • 12. Compare with Other RBL Cards
    • Use the “Compare Cards” feature on RBL’s website to ensure Fantasy Card best suits your lifestyle and spending pattern.
    • Understand differences in fees, cashback, and reward structure before confirming.
  • 13. Maintain Good Bank Account Standing
    • If you already have a savings/current account with RBL Bank, ensure it's active and in good standing.
    • Timely EMI payments or FDs with RBL may support approval.
  • 14. Use the Correct Contact Details
    • Ensure your mobile number and email ID are active and accessible throughout the process.
  • 15. Avoid Browser/Technical Glitches
    • Apply using Chrome or updated browsers for a smooth experience.
    • Clear cache and cookies if the site freezes or payment gateway fails.
  • 16. Have Original Documents Ready for KYC
    • For video KYC or branch visits, keep original PAN, Aadhaar, and income documents handy.
    • Match uploaded documents with originals during verification.

Eligibility Criteria for RBL Bank Fantasy Credit Card

  • 1. Age Requirement
    • Primary Cardholder: Must be between 21 and 65 years old (flexibility up to 70 for select variants).
    • Add-on Cardholder: Minimum age is 18 years.
    • Context: Ensures financial maturity and legal responsibility to manage credit.
  • 2. Nationality and Residency
    • Eligible applicants: Indian Residents and NRIs.
    • NRIs must provide passport, visa, and residence proof.
    • Applicants must reside in RBL Bank’s serviceable cities or PIN codes.
  • 3. Income Requirement
    • Minimum Monthly Income: ₹25,000 (₹3 lakh annually); may go up to ₹40,000–₹50,000 based on credit profile.
    • Salaried: Submit salary slips or bank statements.
    • Self-employed: Provide ITR, business financials, or GST documents.
    • Tip: Higher income can lead to faster approval and better credit limits.
  • 4. Employment Status
    • Salaried: Minimum 6–12 months in current job.
    • Self-employed: Minimum 2 years in business with proof of continuity.
    • NRIs: Must show steady overseas income and acceptable documentation.
  • 5. Credit Score and Creditworthiness
    • Preferred Credit Score: 750+ (CIBIL/Experian/Equifax).
    • Applicants with 700–750 may be considered, but approval is uncertain.
    • Clean credit history with no recent defaults or overdue accounts.
    • Low credit utilization and minimal recent inquiries (< 3 in 6 months) preferred.
  • 6. Debt-to-Income Ratio
    • Ideal DTI: Below 40% of gross income.
    • High DTI (> 50%) could result in rejection.
    • Tip: Clear existing loans/credit dues before applying to lower DTI.
  • 7. Minimum Work Experience
    • Salaried: At least 1 year total work experience, with 6 months in current role.
    • Self-employed: Minimum 2 years of continuous business/professional work.
  • 8. Existing Relationship with RBL Bank
    • Preferred: Applicants with savings accounts, loans, or FDs with RBL Bank.
    • May receive pre-approved offers or higher limits.
  • 9. Documentation
    • Identity Proof (any one): Aadhaar card, PAN (mandatory), Passport, Voter ID, Driving License.
    • Address Proof (any one): Aadhaar, utility bill (within 3 months), rental agreement, Passport.
    • Income Proof (any one): Salary slips, bank statements, ITR (1–2 years), Form 16, GST filing (if applicable).
    • Additional: Passport photo, existing relationship documents if applicable.
  • 10. Location-Based Eligibility
    • Applicants must reside in areas serviced by RBL Bank.
    • Check serviceable PIN codes on RBL’s official website before applying.
  • 11. Special Considerations
    • Students: Not eligible unless backed by a co-signer or opting for secured credit card variant.
    • Retirees: May be eligible with stable pension/investment income and valid documentation.
    • First-time Applicants: Can apply for a secured Fantasy Credit Card against a fixed deposit.
  • 12. Common Rejection Reasons
    • Low credit score (<700).
    • Insufficient or unstable income.
    • High DTI ratio or recent credit defaults.
    • Multiple hard inquiries or prior rejections.
    • Incomplete/inconsistent documentation.
  • 13. Reapplying After Rejection
    • Wait at least 3–6 months before reapplying.
    • Improve credit score, income, or job stability during this period.
    • Tip: Check rejection reasons via RBL helpline or email for corrective action.
  • 14. Tips to Improve Eligibility
    • Maintain a good credit score and timely repayments.
    • Reduce credit utilization below 30%.
    • Apply only if income and location criteria are met.
    • Check for pre-approved offers on MoBank app or RBL website.
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Documents Required for RBL Bank Fantasy Credit Card

  • Proof of Identity:
    • Aadhaar Card: Must include the full 12-digit number and be linked to the mobile number for OTP verification.
    • PAN Card: Mandatory for financial transactions and tax purposes. PAN number must match the application form.
    • Alternatives: Passport, Voter ID, Driving License, or other government-issued photo ID (must be valid and self-attested).
  • Proof of Address:
    • Aadhaar Card: Acceptable if the address matches the application form. Masked Aadhaar can be used for privacy.
    • Alternatives: Utility bills (within last 3 months), Passport, Registered Rental Agreement with landlord ID, Bank Statement, Ration Card, Driving License.
    • Note: All documents must be recent, valid, and self-attested. Mismatch in address requires additional proof.
  • Proof of Income:
    • Salaried Individuals:
      • Last 3 months’ salary slips
      • Last 3–6 months’ bank statements showing salary credits
      • Latest Form 16 (optional)
    • Self-Employed Individuals:
      • Last 2 years’ ITR with computation and acknowledgment
      • 6 months’ bank statements
      • Optional: Financial statements, GST returns, business registration/license
    • NRIs:
      • Salary certificate from overseas employer
      • Overseas bank statements (6 months)
      • Valid visa, work permit, proof of overseas address
  • Photographs:
    • 2–4 recent passport-size photographs (3.5 cm x 4.5 cm, white background)
    • For online applicants: high-resolution selfie for video KYC
  • Application Form:
    • Duly filled and signed physical form (offline)
    • Digitally submitted application (online), may need e-sign during video KYC
  • Additional Documents (Case-Specific):
    • Add-On Card: Aadhaar or Passport of add-on cardholder
    • Self-Employed Professionals: Professional license, business registration, partnership deed
    • Secured Card Applicants: Fixed deposit receipt/confirmation from RBL Bank
    • Students: Student ID and co-signer’s income proof (if applicable)
  • Document Submission Guidelines:
    • Format: PDF, JPEG, or PNG (max size 2–5 MB)
    • Clarity: Scanned copies must be clear, not blurred or cropped
    • Self-Attestation: Required on all documents except photos
    • Consistency: Ensure all details match the application form
  • Tips for Preparation:
    • Keep both digital and physical copies ready
    • Ensure recent utility bills or bank statements (within 3–6 months)
    • Link Aadhaar to mobile number for OTP
    • Retain backups for reference or disputes
    • Check expiry of IDs (e.g., passport, license)
  • Verification Process:
    • Manual document check by RBL Bank staff
    • Video KYC (5–10 mins): show Aadhaar, PAN, and live verification
    • Third-party verification possible for address or employment
  • Common Issues:
    • Mismatched name/address/income details
    • Expired documents or old income proof
    • Illegible scans or missing mandatory documents
  • Post-Submission Steps:
    • SMS/email confirmation of document receipt
    • Additional requests if submitted documents are insufficient
    • Keep originals and copies securely for future needs

Factors Influencing RBL Bank Fantasy Credit Card

  • Credit Score: A score of 750+ is ideal. Scores between 700–750 may be considered but have lower approval odds. Below 700 or past defaults may lead to rejection.
  • Improvement Tips: Pay bills on time, keep utilization below 30%, and avoid applying for multiple credit products simultaneously.
  • Income Level: Minimum monthly income of ₹25,000 is required; ₹40,000–₹50,000 preferred for premium benefits.
  • Improvement Tips: Wait for a salary hike or business growth before applying; reduce existing debts to increase disposable income.
  • Debt-to-Income Ratio (DTI): Ideal below 40%. A DTI above 50% reduces approval chances.
  • Improvement Tips: Pay off high-interest debts, avoid new loans, and aim to increase income.
  • Employment Stability: Salaried applicants need at least 6–12 months with current employer; self-employed must show 2+ years of business continuity.
  • Improvement Tips: Stay with current employer for at least 6 months and provide valid business proof if self-employed.
  • Credit Utilization Ratio (CUR): Ideal is under 30%. Above 50% indicates over-reliance on credit.
  • Improvement Tips: Pay down balances, request limit increases, and avoid maxing out cards.
  • Credit History: Positive repayment history with no recent defaults is crucial. No credit history may also limit chances.
  • Improvement Tips: Clear dues, resolve disputes, and use secured cards to build history if needed.
  • Number of Credit Inquiries: More than 2–3 inquiries in 6 months is a red flag.
  • Improvement Tips: Space out applications and check pre-approved offers to avoid unnecessary checks.
  • Existing Relationship with RBL: Existing customers may get better offers and higher limits.
  • Improvement Tips: Open savings or FD accounts and maintain good transaction records.
  • Residential Location: Must be within RBL Bank’s serviceable areas like major Tier-1 and Tier-2 cities.
  • Improvement Tips: Use the bank’s PIN code checker to confirm eligibility; provide an alternate serviceable address if needed.
  • Age & Nationality: 21–65 years old, Indian residents or NRIs (with extra documentation) are eligible.
  • Improvement Tips: Ensure age compliance and prepare visa, address proof if NRI.
  • Existing Financial Obligations: More loans or high balances lower eligibility.
  • Improvement Tips: Close unused cards, reduce EMIs, and consolidate debt.
  • Application Accuracy: Incorrect details, mismatched names, or unclear documents lead to rejections.
  • Improvement Tips: Double-check entries and submit recent, legible, and self-attested documents.
  • Economic and Market Conditions: Approval criteria may tighten during economic downturns.
  • Improvement Tips: Apply during stable periods and check for offer updates.
  • Tips to Strengthen Eligibility: Monitor credit reports, reduce debt, increase income, engage with RBL Bank, and consult financial advisors.
  • Digital Footprint: Online presence and financial app usage can impact eligibility positively if consistent with income and credit behaviour.
  • Improvement Tips: Use registered email/mobile, link bank accounts to UPI, and avoid suspicious transactions or app misuse.
  • Fraud Risk Assessment: Involvement in fraud or high-risk sectors may lead to immediate rejection.
  • Improvement Tips: Maintain clean records, avoid using fake addresses/IDs, and respond promptly to verification calls.
  • Co-applicant/Add-on Cards: Responsibility for co-applicant or family add-on card debt affects your profile.
  • Improvement Tips: Keep track of all linked cards, ensure timely payments, and avoid defaults by authorized users.
  • Mode of Application: Applications through bank representatives or branches may be prioritized over third-party websites.

Frequently Asked Questions (FAQs)

1. What is the RBL Bank Fantasy Credit Card?
The RBL Bank Fantasy Credit Card is a lifestyle credit card offering customized rewards and benefits tailored for shopping, dining, and entertainment.
2. Who is eligible to apply for the Fantasy Credit Card?
Indian residents aged 21 to 65 years with a stable income and a good credit history are eligible to apply.
3. How can I apply for the RBL Fantasy Credit Card?
You can apply online via the RBL Bank website or visit your nearest RBL Bank branch.
4. What are the key features of the Fantasy Credit Card?
Features include cashback on online shopping, welcome benefits, dining discounts, reward points on spends, and movie ticket offers.
5. Is there a joining or annual fee for the Fantasy Credit Card?
Yes, the card may have a joining fee and an annual renewal fee. However, RBL Bank often provides fee waivers based on spending thresholds.
6. What are the welcome benefits offered?
Typically, you may receive welcome vouchers or bonus reward points upon activation and first use of the card.
7. How do I earn reward points with the Fantasy Credit Card?
You earn reward points on every eligible purchase, with accelerated points for spending in select categories such as shopping or travel.
8. How can I redeem my reward points?
Points can be redeemed via RBL Bank’s rewards portal for merchandise, vouchers, flight/hotel bookings, and more.
9. Does the card offer any dining or movie benefits?
Yes, you can enjoy discounts on dining and BOGO (Buy One Get One) offers on movie tickets through partner platforms.
10. Is the Fantasy Credit Card contactless?
Yes, it supports contactless (tap-and-pay) technology for faster and safer transactions.
11. What is the credit limit on this card?
The credit limit is decided by the bank based on your credit profile, income, and other eligibility criteria.
12. Can I convert large purchases into EMIs?
Yes, RBL Bank allows conversion of high-value transactions into easy EMIs at attractive interest rates.
13. How do I check my card balance or transactions?
You can monitor usage via the RBL MyCard mobile app, internet banking, or monthly statements.
14. What should I do if my card is lost or stolen?
Immediately contact RBL Bank’s customer care or block the card through the mobile app or online portal.
15. How do I contact RBL Bank customer service?
You can reach them through their 24/7 helpline, email support, or by visiting the nearest branch.

List of RBL Bank Fantasy Credit Card Branches in Tamil Nadu

  • Chennai - T Nagar
  • Chennai - Anna Nagar
  • Chennai - Adyar
  • Chennai - Mount Road
  • Coimbatore - RS Puram
  • Coimbatore - Peelamedu
  • Madurai - KK Nagar
  • Madurai - Town Hall
  • Trichy - Cantonment
  • Trichy - Woraiyur
  • Salem - Fairlands
  • Salem - Omalur Road
  • Erode - Brough Road
  • Erode - Perundurai
  • Tirunelveli - Palayamkottai
  • Tirunelveli - Tenkasi
  • Vellore - Katpadi
  • Vellore - Gandhi Road
  • Tirupur - Avinashi Road
  • Tirupur - Palladam