RBL Bank Edition Credit Card – Benefits, Fees & Eligibility

Introduction

The RBL Bank Edition Credit Card is a premium offering from RBL Bank, primarily positioned for dining enthusiasts, especially those who frequently use Zomato and Blinkit. It differentiates itself with an accelerated reward rate on food-related spends, a complimentary Zomato Pro membership, and valuable travel benefits including domestic and international lounge access, coupled with a low foreign currency markup fee.

Welcome Benefits

• Complimentary Zomato Pro membership, which automatically renews every year.

Fees

• Joining Fee: Rs. 2,000 + GST
• Annual Fee: Rs. 2,000 + GST
• Spend-Based Waiver:
  • Annual fee waiver on expenditure of Rs. 4,00,000 in the preceding year.
  • Annual fee waiver on spending Rs. 2,50,000 or more in the last year.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 1.5% + GST of the transacted amount. This is considerably lower than other credit cards that typically charge around 3.5%.
• Interest Rates: 3.99% per month or 47.88% annually.
• Fuel Surcharge Waiver: 1% waiver for transactions between Rs. 500 and Rs. 4,000, applicable for select card members at the sole discretion of the bank.
• Cash Advance Charges: 2.5% of the amount, subject to a minimum fee of Rs. 500.

Rewards

• Reward Type: Edition Cash (1 Edition Cash = Re. 1).
• Earning Rate:
  • 10 Edition Cash per Rs. 100 spent on Zomato (app or website) and Blinkit. This includes dine-out spends on Zomato.
  • 1 Edition Cash per Rs. 100 spent on all other purchases, including other food delivery platforms like Swiggy and all other food purchases from online and offline merchants.
• Milestone Benefits: Earn 2,000 bonus Edition Cash on spending Rs. 5,00,000 in an anniversary year.
• Movie & Dining Benefits:
  • Buy One Get One (BOGO) offer on movie tickets through BookMyShow once every month, with a maximum discount of Rs. 200 per transaction.
  • Complimentary Zomato Pro membership that renews automatically every year.
  • Accelerated reward rate on Zomato and Blinkit.
• Travel Benefits:
  • 2 complimentary domestic airport lounge visits per quarter.
  • Priority Pass membership with 2 complimentary international airport lounge visits per year.
  • Lower foreign currency mark-up fee of 1.5% on international transactions.
• Golf: No specific golf benefits are mentioned.
• Insurance Benefits: The Edition card does not provide any insurance cover.

Rewards Redemption Guide

• Edition Cash can be redeemed for all spends on the Zomato app/website.
• Edition Cash can be adjusted against the card’s outstanding balance.
• Monetary value: 1 Edition Cash = Re. 1.

Card Eligibility Criteria

• Age: Minimum 21 years.
• Income: Stable source of income.
• Credit Score: Decent credit score.

Documents Required

• Identity Proof: PAN Card, Aadhar Card, Voter’s ID, Passport, Driving License, etc.
• Address Proof: Utility bills, Aadhar Card, Passport, etc.
• Income Proof: Latest bank statements/salary slips or the latest audited ITR.

Card Review

The RBL Bank Edition Credit Card is an excellent choice for individuals who frequently order food online or dine out, particularly through Zomato. While it carries a higher annual fee than its Classic variant, it justifies this with a superior reward rate on Zomato and Blinkit, along with valuable travel perks. Beyond its primary dining focus, the card offers complimentary domestic and international lounge access and a competitive 1.5% foreign currency markup, making it appealing for occasional travelers as well. It provides a strong value proposition for those who can leverage its accelerated rewards and travel benefits, making the higher premium worthwhile for a combined foodie and travel-buff profile.

Important Product Details

• Complimentary Zomato Pro membership, automatically renewed annually.
• Reward Points are earned as Edition Cash, where 1 Edition Cash equals Re. 1.
• Earn 10 Edition Cash per Rs. 100 spent on Zomato and Blinkit.
• Earn 1 Edition Cash per Rs. 100 spent on all other categories.
• Receive 2,000 bonus Edition Cash on spending Rs. 5,00,000 in an anniversary year.
• Annual fee waiver available on specific spend thresholds in the preceding year (Rs. 4,00,000 or Rs. 2,50,000).
• Enjoy 2 complimentary domestic lounge visits per quarter.
• Benefit from 2 complimentary international lounge visits per year with Priority Pass membership.
• Low foreign currency markup fee of 1.5% + GST.
• Buy one, get one free movie ticket on BookMyShow once a month (max discount Rs. 200).
• Zero Liability Protection ensures the cardholder is not liable for transactions reported to the bank after notification.

Other Details

• Application Process: The RBL Bank Edition Credit Card can be applied for via the Zomato app, with an online KYC process for submitting soft copies of documents. A virtual version of the card is instantly provided and paired with the Zomato account. Both online and offline application methods are available.
• Customer Care: For queries or to report card loss, contact RBL’s credit card customer care at 1800 121 9050 (toll-free) or +91 22 6115 6300 (24x7 helpline), or email cardservices@rblbank.com.