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Features of RBL Bank Zomato Edition Classic Credit Card

  • Welcome Benefits: 500 Edition Cash: Cardholders received 500 Edition Cash as a welcome bonus upon paying the annual fee and making a purchase within the first 30 days of card issuance. One Edition Cash was equivalent to INR 1 and could be used for food purchases on the Zomato app or to pay restaurant bills via Zomato. However, this benefit was only available with the paid variant, not the lifetime free (LTF) version offered to some users. Complimentary Zomato Pro Membership: The card provided a complimentary annual Zomato Pro membership (previously known as Zomato Gold or Pro Plus), which renewed automatically each year with the card’s membership. This membership offered up to 40% discounts on dining at partner restaurants and up to 25% off on online food orders from partner restaurants across India. Note that Zomato discontinued its Pro and Pro Plus programs, so this benefit is no longer applicable.
  • Reward Structure (Edition Cash): Cardholders earned 5 Edition Cash per ₹100 spent on the Zomato app or website and Blinkit (Zomato's quick-commerce platform), with a daily cap of 500 Edition Cash (applicable on spends up to ₹10,000 per day). After a devaluation in September 2022, all other transactions earned 1% Edition Cash (1 Edition Cash per ₹100 spent). Edition Cash could be redeemed on the Zomato app for food orders or restaurant bill payments, with 1 Edition Cash equaling ₹1.
RBL Zomato Edition Classic Credit Card
    • Milestone Benefits: Cardholders could earn 2,000 bonus Edition Cash annually by spending ₹2,00,000 in an anniversary year (from the date of card issuance or renewal). The bonus was credited within 45 days of crossing the spending threshold.
    • Fuel Surcharge Waiver: The card offered a 1% fuel surcharge waiver for select cardholders on fuel transactions between ₹500 and ₹4,000, at the bank's discretion. This feature provided practical savings for cardholders who frequently drove.
    • Digital Application Process: The application was fully online via the Zomato app, with video KYC completion taking 5-10 minutes. A virtual card was issued instantly, and the physical card was delivered within 3-5 days.
    • Card Management: Cardholders could manage their card (e.g., change PIN, monitor transactions, and redeem Edition Cash) directly through the Zomato app, which provided real-time reward tracking similar to fintech apps like OneCard.
    • Foreign Currency Markup Fee: The card carried a standard markup fee (typically 3.5% + GST) for international transactions, making it less ideal for overseas use compared to travel-focused cards.
    • Cash Withdrawal Fee: A fee of 2.5% of the withdrawn amount (minimum ₹500) applied for cash advances, which is standard for most credit cards in India.
    • Interest Rate: The card had an interest rate of up to 3.99% per month on unpaid balances, emphasizing the importance of paying bills in full to avoid high charges.
    • Pre-Devaluation Benefits: Before September 2022, the card offered 5% cashback on offline dining, 1.5% on other online food purchases, and 10% cashback on all spends on the cardholder's birthday. These features were removed during the devaluation.
    • No Lounge Access: Unlike premium cards, the Zomato Edition Classic did not offer airport lounge access or travel-related benefits, as it was focused primarily on dining rewards.
    • Merchant Offer Eligibility: The card was eligible for RBL Bank discounts during sales on platforms like Amazon and Flipkart, enhancing its utility for online shopping beyond just food delivery.
    • Card Limit Sharing: RBL Bank typically offers a shared credit limit across multiple cards for a single customer, which could affect eligibility for this card if the applicant already held another RBL card.
    • Invite-Only Access: The card was initially invite-only, with eligibility determined via the Zomato app where an invite banner would appear for eligible users based on their order history and payment patterns.
    • Discontinuation Notice: The card was discontinued on May 15, 2023, and existing cardholders were transitioned to the RBL Bank Shoprite Credit Card, which focuses on grocery rewards rather than dining benefits.
RBL Zomato Edition Classic Credit Card Benefits

Benefits of RBL Bank Zomato Edition Classic Credit Card

  • 1. High Cashback on Zomato & Blinkit:
    • 5% Value-Back: Earn 5 Edition Cash per ₹100 spent on Zomato and Blinkit orders.
    • Daily Cap: Reward points capped at 500 Edition Cash per day (worth ₹500).

    Ideal for frequent food delivery users, this benefit ensured that your regular Zomato orders led to meaningful savings. The accumulated Edition Cash could be redeemed directly on the Zomato app for future orders.

  • 2. Complimentary Zomato Pro Membership:
    • Dining Discounts: Up to 40% off at partner restaurants.
    • Delivery Discounts: Up to 25% off on online food orders from partner restaurants.

    The free Zomato Pro membership (worth ₹200-300 annually) provided significant savings for dine-out enthusiasts and regular food delivery customers, making this card particularly valuable for urban foodies.

      • 5% Cashback on Zomato and Blinkit: Earn 5 Edition Cash per ₹100 spent on the Zomato app/website or Blinkit. Capped at 500 Edition Cash/day (₹10,000 spend/day limit).
      • 1% Cashback on Other Spends: Earn 1 Edition Cash per ₹100 on all other eligible spends (excludes fuel, wallet loads, and rent). Revised benefit after Sep 20, 2022 devaluation.
      • Milestone Reward: Earn 2,000 bonus Edition Cash by spending ₹2,00,000 annually. Redeemable on Zomato for food or restaurant payments.
      • Redemption Flexibility: Use Edition Cash at ₹1 = ₹1 value on Zomato for food orders or settling restaurant bills (not usable for credit card bill offset).
      • Low or No Annual Fee: ₹500 + GST annually, but many users received it as Lifetime Free via Zomato. LTF variant excludes welcome bonus but retains all perks.
      • Fuel Surcharge Waiver: 1% waiver on ₹500–₹4,000 fuel spends, at select fuel stations and at RBL Bank's discretion.
      • Digital-First Application: Apply via Zomato app with instant virtual card issuance and 3–5 day physical card delivery. Full card management within app.
      • Instant Reward Tracking: Edition Cash is credited instantly in the Zomato app, visible in real-time and redeemable without delay.
      • RBL Promotional Offers: Enjoy special discounts or cashback on Amazon, Flipkart, and other partner platforms during sale events.
      • Pre-Devaluation Perks: Until Sep 2022, cardholders got 5% offline dining cashback and 10% cashback on birthdays (capped at 500 Edition Cash).
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Application Process for RBL Bank Zomato Edition Classic Credit Card

  • 1. Via Zomato App (Primary Method)
    • Open Zomato App → Go to “Money” section.
    • If eligible, a banner invite appeared to apply.
    • Click invite → Enter personal details (name, PAN, Aadhaar, etc.).
    • Authenticate via Aadhaar-linked mobile OTP.
    • Complete instant video KYC with digital documents.
    • Instant approval possible with a virtual card in-app.
    • Physical card delivered in 3–5 working days.
    • Virtual card usable only after physical delivery.
  • 2. Eligibility Criteria
    • Age: 18–60 years.
    • Stable income (typically ₹25,000+ for salaried individuals).
    • City coverage: Must live in cities with active Zomato delivery services.
    • Credit Score: Ideally 700+.
    • Selection was based on order history and app usage.
  • 3. Required Documents
    • Identity Proof: Aadhaar, PAN.
    • Address Proof: Aadhaar, utility bills, rent agreement.
    • Income Proof: Salary slips, bank statements, ITR (may be waived for pre-approved users).
  • 4. Alternatives (Less Common)
    • Offline: Apply at RBL Bank branch (rare).
    • Card Upgrade: Existing RBL cardholders could request conversion (difficult and not guaranteed).
  • Processing Time:
    • Entire process could take 10–15 mins online.
    • Physical card received within 3–5 days (or up to 20 days with delays).

Eligibility Criteria for RBL Bank Zomato Edition Classic Credit Card

  • 1. Age Requirements
    • Applicants must be between 18 and 60 years old.
    • Salaried applicants: Preferred minimum age was 21, but 18+ were eligible via Zomato's app-based process.
    • Tip: Younger applicants with stable income could apply directly via app invitation.
  • 2. Residency Status
    • Must be a resident of India.
    • Applicants had to reside in Zomato serviceable cities (e.g., Delhi, Mumbai, Bangalore, etc.).
    • Address proof such as Aadhaar, utility bill, or rental agreement was mandatory.
  • 3. Income Requirements
    • Salaried: Monthly income of ₹25,000–₹50,000 (varied by city and credit profile).
    • Self-employed: Annual income of ₹3–5 lakhs based on ITRs or bank statements.
    • Lenient thresholds made the card accessible to younger users and frequent Zomato customers.
  • 4. Credit Score and History
    • Preferred credit score: 700+, but approvals possible for 650+ or even new users via Zomato invite.
    • App-based pre-approval allowed users with limited credit history to qualify.
  • 5. Zomato App Usage
    • Frequent orders, high average order value, and app-based payments influenced eligibility.
    • Invite-only access: Users needed to receive a banner/invite within Zomato app.
    • Direct applications outside the app were generally not accepted.
  • 6. Documentation
    • Basic KYC: PAN card and Aadhaar (mandatory for video KYC).
    • Address proof: Aadhaar, utility bill, passport, or rental agreement.
    • Income proof: Salary slips, bank statements, Form 16, or ITRs as applicable.
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Documents Required for RBL Bank Zomato Edition Classic Credit Card

  • Proof of Identity:
    • PAN Card: Mandatory for tax compliance and linking financial records.
    • Aadhaar Card: Essential for video KYC and OTP verification.
    • Alternative (if Aadhaar unavailable): Passport, Voter ID, or Driver’s License (less preferred).
  • Proof of Address:
    • Primary: Aadhaar Card, also used for address verification.
    • Alternatives: Utility bills (last 3 months), Passport, Rental agreement, Voter ID, or Driver’s License.
    • Note: If Aadhaar’s address differs from current residence, additional address proof may be required during video KYC.
  • Proof of Income:
    • Salaried:
      • 1–3 months’ salary slips
      • 3–6 months’ bank statements
      • Latest Form 16 (optional)
    • Self-Employed:
      • 1–2 years’ ITR filings
      • 6–12 months’ bank statements
      • Optional: GST certificate, shop establishment license
    • Note: Pre-approved Zomato app users often had income documents waived.
  • Photograph:
    • One recent passport-sized photo (for offline applicants)
    • Live selfie captured during video KYC (for app-based applicants)
  • Digital Submission:
    • All documents uploaded via Zomato app (PDF/JPEG format)
    • Physical documents rarely required
  • Video KYC Process:
    • Live video call with Aadhaar and PAN verification
    • Completed within 5–10 minutes via Zomato app
  • Pre-Approved Applicants:
    • Only PAN and Aadhaar needed in most cases
    • Zomato user data (order value/frequency) used for creditworthiness
  • Offline Applications (Rare Cases):
    • Submit physical copies of PAN, Aadhaar, address proof, income proof, and photos at RBL Bank branch
  • Existing RBL Bank Customers:
    • Minimal documentation if KYC already completed
    • Approval subject to shared credit limit policies

Factors Influencing RBL Bank Zomato Edition Classic Credit Card

  • Target Demographic: Focused on young professionals and urban diners who frequently used Zomato and Blinkit for food delivery and dining.
  • Age Criteria: Typically 18–60 years; salaried individuals often needed to be 21+.
  • Income Requirements: ₹25,000–₹50,000/month for salaried; ₹3–₹5 lakh annually for self-employed applicants.
  • Credit Score: Preferred 700+, but users with 650+ could qualify through Zomato app pre-approval.
  • Residency: Indian residents in Zomato-served cities like Delhi, Mumbai, and Bangalore were eligible.
  • Zomato App Usage: Access was invite-only based on frequent Zomato usage and spending patterns.
  • Welcome Bonus: 500 Edition Cash and free Zomato Pro membership (worth ₹200–₹300) on first spend (paid version only).
  • Cashback: 5% Edition Cash on Zomato/Blinkit spends (capped daily); 1% on other spends post-2022.
  • Milestone Benefits: 2,000 bonus Edition Cash on ₹2,00,000 annual spend.
  • Redemption: Edition Cash redeemable only on Zomato for food orders and restaurant bills.
  • Program Changes: Devaluation in 2022 reduced cashback and eliminated offline dining benefits.
  • Annual Fee: ₹500 + GST; many users received it as Lifetime Free via Zomato app invites.
  • Fuel Surcharge Waiver: 1% waiver between ₹500–₹4,000 fuel spends (select users).
  • Foreign Markup: 3.5% + GST on international transactions (standard for RBL).
  • Interest Rates: Up to 3.99% monthly on unpaid balances—comparable to other entry-level cards.
  • Access: Invite-only via the Zomato app’s “Money” section based on user transaction history.
  • Application Process: Fully digital with PAN, Aadhaar, optional income proof, and selfie via video KYC.
  • Instant Issuance: Virtual card available post-approval; physical card arrived within 3–5 days.
  • App Integration: Full card control, transaction tracking, and reward redemption within Zomato app.
  • Minimal KYC: PAN and Aadhaar mandatory; income documents optional for pre-approved users.
  • Video Verification: Enabled real-time KYC and seamless card approval process.

Frequently Asked Questions (FAQs)

1. What was the RBL Bank Zomato Edition Classic Credit Card?
The RBL Bank Zomato Edition Classic Credit Card was a co-branded, entry-level credit card launched in partnership with Zomato, targeting frequent diners and Zomato app users. It offered dining-focused rewards, including 5% Edition Cash (1 Edition Cash = ₹1) on Zomato and Blinkit spends (capped at 500 Edition Cash/day), 1% on other spends (post-September 2022 devaluation), a complimentary Zomato Pro membership, and 500 Edition Cash as a welcome benefit for paid variants. The card was discontinued on May 15, 2023, and replaced with the RBL Bank Shoprite Credit Card.
2. Is the RBL Bank Zomato Edition Credit Card still available for new applicants?
No, the card was discontinued on May 15, 2023, due to the end of the RBL Bank-Zomato partnership. New applications are not accepted, and existing cardholders have been transitioned to the RBL Bank Shoprite Credit Card, which is lifetime free and offers 20 reward points per ₹100 on grocery spends and 1 reward point per ₹100 on other spends.
3. Who was eligible to apply for the card?
Before discontinuation, eligibility criteria included:
- Age: 18–60 years (21–60 for salaried individuals in some cases).
- Income: Minimum ₹25,000–50,000/month (salaried) or ₹3–5 lakh/year (self-employed).
- Credit Score: Preferably 700+, though scores as low as 650 could qualify for pre-approved users.
- Residential Status: Indian residents in cities with Zomato services (e.g., Delhi, Mumbai, Bangalore).
- Zomato App Usage: Invite-only access based on frequent orders or card/UPI payments on Zomato.
4. What documents were required to apply?
Required documents included:
- Identity Proof: PAN card, Aadhaar card (mandatory for video KYC).
- Address Proof: Aadhaar, utility bill (last 3 months), passport, or rental agreement.
- Income Proof: Salaried – 1–3 months’ salary slips, 3–6 months’ bank statements, or Form 16. Self-Employed – ITR for 1–2 years, 6–12 months’ bank statements.
- Photograph: Selfie during video KYC or one passport-sized photo for branch applications.
Pre-approved Zomato users often needed only PAN and Aadhaar, with income proof waived.
5. How could one apply for the card?
The application was primarily through the Zomato app:
- Check for an invite banner in the app’s “Money” section.
- Enter details (name, PAN, Aadhaar, contact info).
- Complete video KYC (5–10 minutes) by showing documents and verifying via OTP.
- Receive instant approval and a virtual card; physical card delivered in 3–5 days.
Offline applications via RBL Bank branches were rare and required the same documents.
The card was invite-only, so non-invited users couldn’t apply.
6. What were the key benefits of the card?
Benefits included:
- Welcome Benefits: 500 Edition Cash (₹500) after first transaction within 30 days (paid variant) and complimentary annual Zomato Pro membership.
- Cashback: 5% Edition Cash per ₹100 on Zomato/Blinkit (capped at 500/day), 1% on other spends (post-September 2022 devaluation).
- Milestone Reward: 2,000 bonus Edition Cash for ₹2,00,000 annual spend.
- Redemption: Edition Cash redeemable on Zomato for food orders or restaurant bills.
- Additional Perks: Amazon/Flipkart offers, 1% fuel surcharge waiver for select users.
7. What were the fees and charges?
- Joining/Annual Fee: ₹500 + GST, but offered as lifetime free (LTF) to many users.
- Fuel Surcharge Waiver: 1% on transactions of ₹500–4,000 (at RBL’s discretion).
- Foreign Currency Markup: ~3.5% + GST.
- Cash Withdrawal Fee: 2.5% of amount (minimum ₹500).
- Interest Rate: Up to 3.99%/month on unpaid balances.
8. How did the reward system work?
Rewards were earned as Edition Cash:
- 5 Edition Cash per ₹100 on Zomato/Blinkit (capped at 500/day).
- 1 Edition Cash per ₹100 on other spends (post-devaluation).
- Milestone: 2,000 bonus Edition Cash for ₹2,00,000 annual spend.
- Redemption: Redeemable in the Zomato app for food orders or restaurant bills.
- Tracking: Real-time tracking in the Zomato app, with instant credit of Edition Cash.
9. Why was the card devalued in 2022?
Effective September 20, 2022, cashback reduced from 5% to 1% on offline dining and from 1.5% to 1% on other online food orders. Birthday offer (10% cashback) was discontinued. The devaluation was likely due to high reward costs and industry trends scaling back cashback.
10. What happened after the card’s discontinuation?
On May 15, 2023, the RBL Bank-Zomato partnership ended, and the card was discontinued. Existing cardholders were transitioned to the RBL Bank Shoprite Credit Card:
- Shoprite Benefits: Lifetime free, 20 reward points per ₹100 on grocery spends, 1 point per ₹100 on other spends.
- Transition: Outstanding dues, EMIs, and Edition Cash were transferred.
- Impact: The Shoprite card focuses on grocery rewards, lacking the dining-specific benefits of the Zomato Edition.

List of RBL Bank Zomato Edition Credit Card Branches in Karnataka

  • Bangalore - Anekal
  • Bangalore - Kanakapura
  • ANKALI - ANKALI (SHITOL)
  • BAGALKOT - BAGALKOT
  • BELGAUM - BELGAUM
  • BELLAD BAGEWADI - BELLAD BAGEWADI
  • DAVANGERE - DAVANGERE
  • DHARWAD - DHARWAD
  • DODDABALLAPUR - DODDABALLAPUR
  • GOKAK - GOKAK
  • HARUGERI - HARUGERI
  • HUBLI-DHARWAD - HUBLI
  • INDI - INCHAGERI
  • MANGALORE - MANGALORE
  • MANOLI - MUNAVALLI
  • MUDHOL - MUDHOL
  • NIPANI - NIPANI
  • RAMANAGARAM - RAMANAGARAM
  • SHAMANEWADI - SHAMANEWADI
  • SHEDBAL - SHEDBAL
  • SHIRGUPPI - SHIRGUPPI