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Features Of RBL Bank Premier Credit Card

  • Reward Points Program:
    Earn 2 reward points for every ₹100 spent on regular transactions, with accelerated rewards (up to 10X points) on specific categories like online shopping, international spends, and dining.
    Points can be redeemed for air miles, hotel stays, shopping vouchers, gadgets, or charitable donations via the RBL Rewards Portal.
  • Welcome Benefits:
    Receive 10,000 bonus reward points or gift vouchers worth ₹1,000–2,000 upon paying the joining fee.
    Additional perks like complimentary movie vouchers or dining discounts when making a transaction within the first 30 days.
  • Travel Perks:
    Complimentary airport lounge access (2–4 visits per quarter) at domestic and international airports.
    Travel insurance covering flight delays, lost baggage, and personal accidents.
    Discounts on flight and hotel bookings through partnered platforms.
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    • Entertainment Benefits: Enjoy buy-one-get-one-free movie tickets (up to ₹250 per ticket) twice a month via BookMyShow, with monthly discount limits.
    • Dining Privileges: Get up to 15% off at partner restaurants, with special promotions during festive seasons or at premium dining outlets.
    • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹100–150 per month at petrol pumps nationwide.
    • Milestone Benefits: Earn 5,000 bonus reward points for annual spends of ₹2 lakh, with additional vouchers or cashback for higher spending thresholds.
    • Contactless Payments: Secure and swift transactions at compatible POS terminals with advanced security protocols.
    • Balance Transfer Facility: Transfer outstanding balances from other credit cards and repay via low-cost EMIs (3–24 months tenure) through the Transfer 'n' Pay program.
    • Global Acceptance: Worldwide acceptance on Visa or Mastercard networks, with certain variants offering zero foreign exchange markup fees.
    • Security Features: Security is paramount, and the card incorporates advanced features like EMV chip technology and 3D Secure authentication for online transactions. Cardholders can also enable or disable their card for specific transaction types (e.g., online, international, or contactless) via the RBL Bank mobile app or net banking. In case of loss or theft, immediate reporting to the 24/7 customer care helpline ( 8885545255) ensures swift card blocking, minimizing financial risk.
    • Add-On Cards: Cardholders can request add-on cards for family members, including spouses, parents, or children above 18 years. These cards share the primary card’s credit limit and reward points, allowing families to enjoy the card’s benefits collectively. The primary cardholder retains full control, setting individual credit limits for each add-on card to manage spending effectively.
    • Flexible EMI Options: For big-ticket purchases, the card offers EMI conversion options at partnered merchants or via the RBL Bank portal. Transactions above a certain threshold (e.g., INR 2,500) can be converted into EMIs with tenures ranging from 3 to 24 months. This feature enhances affordability, enabling cardholders to manage large expenses without straining their finances.
    • Annual Fee Waiver:The card typically carries an annual fee ranging from INR 1,999 to INR 3,999, depending on the variant. However, the fee may be waived upon achieving a specified annual spend (e.g., INR 1.5–2 lakh). This incentivizes active card usage while making the card cost-effective for high spenders..
    • 24/7 Customer Support:RBL Bank provides 24/7 customer support through a dedicated helpline ( 8885545255). The mobile app and net banking portal offer self-service options for tracking transactions, managing rewards, and resolving queries, ensuring a seamless user experience.
    • GST Payment Facility:The card is integrated with the GST portal, allowing cardholders to pay GST dues conveniently. This feature is particularly useful for self-employed individuals or business owners, streamlining tax payments and ensuring compliance with minimal effort.
    • Eco-Friendly Options:Some variants of the RBL Bank Premier Credit Card are issued using recycled materials, reflecting the bank’s commitment to sustainability. This feature appeals to environmentally conscious consumers who value eco-friendly financial products.
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Benefits of RBL Bank Premier Credit Card

  • 1. Lucrative Rewards Accumulation:
    • 2-20 Points per ₹100: Earn accelerated rewards on categories like online shopping, dining, and international spends.
    • Flexible Redemption: Points redeemable for air miles, hotel stays, shopping vouchers, gadgets, or charitable donations.

    The reward program is designed to maximize value on everyday spending, with bonus points in high-frequency categories. Pooling points from add-on cards enhances earning potential.

  • 2. Comprehensive Travel Benefits:
    • Lounge Access: 2-4 complimentary visits per quarter at domestic and international airports.
    • Travel Insurance: Coverage for flight delays, lost baggage, and personal accidents during travel.

    These benefits transform travel experiences, offering comfort and security whether for business or leisure. Discounts on bookings further reduce travel costs.

    • Entertainment: The card’s entertainment benefits are tailored for movie buffs and food enthusiasts. The buy-one-get-one-free movie ticket offer via BookMyShow delivers consistent savings on cinema outings.
    • Lifestyle Enhancements: Similarly, dining discounts of up to 15% at partner restaurants elevate culinary experiences without breaking the bank. Seasonal promotions, such as festive dining deals or exclusive event access.
    • Fuel Savings: The 1% fuel surcharge waiver is a practical benefit for cardholders who drive regularly. Applicable on transactions between INR 400 and INR 5,000, this feature reduces fuel expenses.
    • Milestone Rewards: Achieving spending milestones unlocks bonus rewards, such as 5,000 points for INR 2 lakh annual spends or vouchers for higher thresholds.
    • Financial Flexibility with EMI and Balance Transfer: The card’s EMI conversion option allows cardholders to spread the cost of large purchases over 3–24 months, making high-value items more affordable.
    • Welcome and Joining Perks: New cardholders receive welcome benefits, such as 10,000 bonus reward points or gift vouchers worth INR 1,000–2,000, upon paying the joining fee.
    • Global Usability: With global acceptance on Visa or Mastercard networks, the card is a reliable companion for international travel and online shopping.
    • Enhanced Security: The card’s security features, including EMV chip technology, 3D Secure authentication, and customizable transaction controls, protect cardholders from fraud.
    • Add-On Card Benefits: Add-on cards extend the card’s benefits to family members, allowing them to earn reward points and enjoy perks like lounge access or dining discounts.
    • Cost-Effective Fee Structure: The card’s annual fee, making it cost-effective for active users. This benefit rewards consistent usage, aligning the card’s value proposition with cardholder spending habits.
    • Exclusive Lifestyle Offers: Cardholders gain access to exclusive offers at premium retailers, e-commerce platforms, and lifestyle brands. These may include cashback on online shopping, discounts at luxury hotels.
    • Emergency Cash Withdrawal: The card offers a cash withdrawal facility at ATMs, subject to a cash advance fee. This benefit provides a financial safety net during emergencies, ensuring cardholders have access to funds.
    • Digital Banking Integration: The RBL Bank mobile app and net banking portal offer seamless digital management of the card. Cardholders can track spends, redeem points, pay bills, and manage EMI conversions with ease.
    • Festive and Seasonal Promotions: During festive seasons, the special promotions, such as additional cashback, bonus points, or exclusive discounts at partnered merchants.
    • Sustainability Focus: Variants made from recycled materials appeal to eco-conscious users, aligning with global sustainability trends. This benefit allows cardholders to support environmental initiatives.
    • Customer Support Access: 24/7 customer support via phone, email, or the mobile app ensures prompt resolution of queries or issues. Whether reporting a lost card, disputing a transaction.
    • GST Payment Convenience: The integration with the GST portal simplifies tax payments for self-employed or business-owning cardholders. This benefit streamlines financial obligations.
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How to Apply for RBL Bank Premier Credit Card

  • Visit the official RBL Bank website: www.rblbank.com.
  • Navigate to the “Credit Cards” section under “Personal Banking.”
  • Select the RBL Bank Premier Credit Card from the list of cards.
  • Click on Apply Now to access the application form.
  • Fill in personal details: full name, gender, date of birth, mobile number, email ID, residential address, and PAN card number.
  • Click Get OTP and verify the OTP sent to your registered mobile number.
  • Provide financial information: employment status, employer name, monthly income, and existing credit obligations.
  • Upload required documents if prompted (identity proof, address proof, income proof) in PDF or JPEG formats.
  • Submit the application and note your application/reference number for tracking.
  • Alternatively, apply through partnered platforms like BankBazaar or Bajaj Finserv Markets.
  • Select the RBL Bank Premier Credit Card and check your eligibility.
  • Fill out the online form, upload documents, and submit the application.
  • Track your application status using the reference number on the partner platform or RBL site.
  • You can also apply offline at the nearest RBL Bank branch.
  • Request the Premier Credit Card application form from a bank executive.
  • Fill the form and submit it along with photocopies of required documents.
  • Bank officials will verify and process your application. Video KYC may be required.
  • Call RBL Bank customer care at 8885545255 to apply or get assistance.
  • They may guide you through the application process or schedule an executive visit.
  • Ensure all details match your documents to avoid processing delays or rejections.
  • Maintain a credit score above 750 for better approval chances.
  • Avoid submitting multiple credit card applications in a short period.
  • Make sure your uploaded documents are recent, legible, and in the correct format.
  • Track your application status using:
    • The RBL Bank website (Track Application section)
    • RBL MoBank App
    • Customer care helpline
    • Partner websites if applied through them

Eligibility Criteria for RBL Bank Premier Credit Card

  • 1. Age Requirement
    • Primary Cardholder: 21 to 65 years old (some variants may allow up to 70 years).
    • Add-on Cardholder: Minimum 18 years old.
  • 2. Income Requirement
    • Salaried & Self-employed: Minimum monthly income of ₹25,000.
    • High-tier variants: ₹40,000–₹50,000 per month may be required.
    • Proof: Salary slips, ITRs, or bank statements for past 6–12 months.
  • 3. Employment Status
    • Salaried: Minimum 6 months to 1 year with a recognized company.
    • Self-employed: Minimum 1–2 years of stable business with valid documentation.
  • 4. Credit Score and History
    • Preferred Credit Score: 750+; minimum acceptable: 700.
    • Clean history: No recent defaults, late payments, or settlements.
  • 5. Nationality and Residency
    • Applicants: Indian Residents and NRIs (subject to additional documents).
    • Residency: Must reside in a city/town serviced by RBL Bank.
  • 6. Debt-to-Income Ratio
    • Ideal DTI: Below 30–40%.
    • High existing EMIs or credit dues may reduce approval chances.
  • 7. Credit Utilization Ratio
    • Maintain utilization below 30% of total available credit limit.
  • 8. Recent Credit Inquiries
    • Avoid multiple applications in the last 3–6 months.
    • Too many hard pulls may negatively impact credit score.
  • 9. Variant-Specific Requirements
    • Lifestyle variants: May require higher income and spending patterns.
    • Travel variants: Prefer frequent international travelers.
    • Co-branded cards: May target specific customer segments (e.g., entertainment).
  • 10. Tips to Improve Eligibility
    • Improve credit score: Timely repayments and low utilization.
    • Maintain consistent income and employment history.
    • Pay off loans or credit card dues to lower DTI.
    • Check pre-approved offers via RBL Bank or aggregator platforms.
  • 11. Common Rejection Reasons
    • Low credit score or poor repayment history.
    • Insufficient or unstable income.
    • High existing debt burden or recent multiple credit inquiries.
    • Non-serviceable location or incomplete KYC documents.
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Documents Required for RBL Bank Premier Credit Card

  • Identity Proof:
    • Aadhaar Card: Must include the full Aadhaar number (masked Aadhaar not accepted unless specified).
    • PAN Card: Mandatory for financial verification and tax purposes.
    • Passport: Valid for at least 6 months from the application date.
    • Voter’s ID: Issued by the Election Commission of India.
    • Driving License: Valid and issued by the RTO.
    • Government-Issued Photo ID: Any valid ID issued by central or state government.
  • Address Proof:
    • Aadhaar Card: Should reflect the current residential address.
    • Passport or Driving License: Must show current address.
    • Voter’s ID: Should match the registered address.
    • Utility Bill: Electricity, water, or gas bill (not older than 3 months).
    • Rental Agreement: Registered and notarized, showing applicant’s name.
    • Bank Statement: From another bank with current address (not older than 3 months).
  • Income Proof:
    • Salaried Individuals:
      • Last 3 months’ salary slips.
      • Bank statement (last 3–6 months) showing salary credits.
      • Latest Form 16 issued by the employer.
    • Self-Employed Individuals:
      • Income Tax Returns (last 2 years) with computation.
      • 6–12 months business bank statement.
      • Profit & Loss Statement (audited, latest FY).
      • GST Returns (if applicable).
  • Photographs:
    • 3–4 recent passport-size photos (35mm x 45mm).
    • White/light background, clear, front-facing.
    • Digital uploads allowed online; physical copies for offline.
  • Application Form:
    • Duly filled and signed application form.
    • Online: Completed via RBL website or partner portals.
    • Offline: Filled using blue/black ink.
  • Additional Documents (Self-Employed):
    • Business registration proof: GST, shop license, or incorporation certificate.
    • Audited balance sheet (last FY).
    • Business continuity proof (1–2 years of operation).
  • Documents for Add-On Cards:
    • Identity Proof: Aadhaar, PAN, or passport of add-on user.
    • Age Proof: Aadhaar or birth certificate for minors.
    • 1–2 passport-size photos of the add-on cardholder.
  • Document Submission Guidelines:
    • Ensure clarity, validity, and legibility of all documents.
    • Submit recent utility bills, ITRs, and bank statements.
    • File formats: PDF, JPEG, PNG (max 2–5 MB).

Factors Affecting Eligibility for the RBL Bank Premier Credit Card

  • 1. Credit Score: Ideal score is 750+. Scores between 700–750 may be accepted for basic variants.
    Tip: Always pay dues on time, reduce credit utilization, and correct any errors in your credit report.
  • 2. Monthly Income: Minimum ₹25,000/month for basic cards; ₹40K–₹50K for premium variants.
    Tip: Declare all income sources, and apply after a salary increment if possible.
  • 3. Existing Debt Level: Ideally keep total EMI obligations under 30–40% of your income.
    Tip: Repay loans or credit balances before applying for a new card.
  • 4. Credit Utilization Ratio: Should be below 30% of your credit limit.
    Tip: Prepay dues and avoid high utilization right before applying.
  • 5. Employment Stability: 6–12 months in current job (salaried) or 1–2 years in business (self-employed).
    Tip: Don’t apply during job switches or early business setup phases.
  • 6. Credit History: Clean record without defaults or settlements in past 2–3 years is preferred.
    Tip: Settle old dues and request credit bureaus to remove negative flags where possible.
  • 7. Recent Credit Inquiries: No hard inquiries in the last 3–6 months is ideal.
    Tip: Avoid applying for multiple loans or cards in a short time frame.
  • 8. Age Criteria: Between 21–65 years (sometimes up to 70).
    Tip: Younger applicants can start with secured cards; older applicants should highlight stable income.
  • 9. Residential Status: Indian residents and NRIs from eligible cities are considered.
    Tip: NRIs must submit passport and overseas address proof; check your city’s eligibility.
  • 10. Relationship with RBL Bank: Existing customers may receive better approval odds.
    Tip: Maintain savings accounts or FDs with RBL to improve chances and get pre-approved offers.
  • 11. Document Accuracy: Incorrect or mismatched data can result in rejection.
    Tip: Ensure accurate income proof, KYC details, and address documents.
  • 12. Economic Conditions: Approval norms may tighten during economic downturns.
    Tip: Apply during stable periods or promotional events with relaxed approval norms.
  • 13. PAN and Aadhaar Linking: Mandatory for identity verification and KYC compliance.
    Tip: Ensure your PAN is active and Aadhaar is correctly linked to your bank account.
  • 14. Email and Mobile Validation: Required for OTP and verification.
    Tip: Use updated and accessible contact details during application.
  • 15. Pre-approved Status: Improves approval odds significantly.
    Tip: Log in to RBL net banking or mobile app to check for pre-approved credit card offers.
  • 16. Type of Employer: Working with reputed private firms, MNCs, or government organizations improves eligibility.
    Tip: Submit official email or company ID if requested, and highlight company credibility in your application.
  • 17. Bank Account Type: Having a salary or premium savings account with RBL Bank may boost approval.
    Tip: Consider opening an account with RBL Bank and maintain a healthy balance for better offers.

Frequently Asked Questions (FAQs)

1. What is the RBL Bank Premier Credit Card?
The RBL Bank Premier Credit Card is a lifestyle credit card designed to offer benefits across travel, dining, entertainment, and rewards.
2. Who is eligible for the RBL Bank Premier Credit Card?
Indian residents aged 21–65 years with a stable income and a good credit score are eligible to apply.
3. What are the joining and annual fees for the card?
The joining fee is typically ₹3,000 + GST. The annual fee is also ₹3,000 + GST, which may be waived on reaching a certain annual spend threshold.
4. Is there a welcome benefit with the card?
Yes, cardholders receive complimentary vouchers or bonus reward points as a welcome gift, subject to spending conditions.
5. What are the key benefits of the RBL Bank Premier Credit Card?
Benefits include complimentary lounge access, dining discounts, reward points on every spend, and movie ticket offers.
6. How many reward points do I earn on purchases?
You earn up to 2 reward points per ₹100 spent on regular purchases and higher points on specific categories or milestone spends.
7. Is there complimentary airport lounge access?
Yes, the card offers complimentary domestic airport lounge access (typically 2 visits per quarter).
8. Can I get discounts on movie tickets?
Yes, cardholders can avail "Buy 1 Get 1 Free" or similar offers on movie tickets through BookMyShow, subject to monthly limits.
9. Does the card offer concierge services?
Yes, Premier cardholders can avail 24x7 concierge services for travel bookings, reservations, and more.
10. Is there an international transaction fee?
Yes, a foreign currency markup fee of around 3.5% is applicable on international transactions.
11. How can I apply for the RBL Bank Premier Credit Card?
You can apply online via the RBL Bank website, mobile app, or by visiting a nearby RBL Bank branch.
12. What documents are required for the application?
Basic KYC documents like PAN card, Aadhaar card, income proof (salary slips/ITR), and a passport-size photo are typically required.
13. Is there an option for EMI on big purchases?
Yes, the card offers EMI conversion on eligible transactions, usually above ₹3,000.
14. How do I check my credit card statement and reward points?
You can check through RBL Bank’s mobile app, internet banking, or by calling customer care.
15. What should I do if I lose my credit card?
Immediately contact RBL Bank customer care to block the card and request a replacement.

List of RBL Premier Credit Cards Branches in Karnataka

  • Bangalore - Hosur
  • Bangalore - Bagalur
  • Bangalore - Kolar
  • Bangalore - Tumkur
  • Bangalore - Channarayapatna
  • Bangalore - Magadi
  • Bangalore - Nelamangala
  • Bangalore - Doddaballapur
  • Bangalore - Anekal
  • Bangalore - Kanakapura
  • BAGALKOT - BAGALKOT
  • BELGAUM - BELGAUM
  • BELLAD BAGEWADI - BELLAD BAGEWADI
  • DAVANGERE - DAVANGERE
  • DHARWAD - DHARWAD
  • GOKAK - GOKAK
  • HARUGERI - HARUGERI
  • Bangalore - Ramanagaram
  • ANKALI - ANKALI (SHITOL)
  • DODDABALLAPUR - DODDABALLAPUR