RBL Bank Edition Credit Card – Benefits, Fees & Eligibility

RBL Bank Edition Credit Card

Introduction

The RBL Bank Edition Credit Card is positioned as a more premium offering compared to the Edition Classic card, featuring a slightly higher annual membership fee but also enhanced rewards. This card accrues rewards in the form of Edition Cash, offering a high reward rate of 10 Edition Cash for every Rs. 100 spent on Zomato and Blinkit, and 1 Edition Cash for every Rs. 100 spent on other purchases. While primarily a dining-focused credit card, it also provides valuable travel benefits such as complimentary lounge access (both domestic and international) and a competitive low foreign currency markup fee. Cardholders can also earn 2,000 bonus Edition Cash upon reaching a specified spending milestone.

Welcome Benefits

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

Fees

• Joining Fee: Rs. 2,000 + GST
• Renewal Fee: Rs. 2,000 + GST
• Spend-Based Waiver: The annual fee can be waived off if Rs. 4,00,000 is spent in the previous year.
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 1.5% + GST
• Interest Rates: 3.99% per month (47.88% annually)
• Fuel Surcharge: 1%, waived for select card members for transactions between Rs. 500 and Rs. 4,000 at the sole discretion of the bank.
• Cash Advance Charges: 2.5% of the amount, subject to a minimum fee of Rs. 500.

Rewards

• Movies & Dining Benefits:
  • Buy One Get One (BOGO) offer on movie tickets through BookMyShow once every month, with a maximum discount capped at Rs. 200 per transaction.
  • Complimentary Zomato Pro membership that renews automatically every year.
  • Accelerated reward rate on food purchases.
  • Earn 10 Edition Cash per Rs. 100 spent on Zomato (app or website) and Blinkit. This includes dine-out spends on the Zomato app.
  • Earn 1 Edition Cash per Rs. 100 spent on all other purchases, including other food delivery platforms like Swiggy.
• Travel Benefits:
  • 2 complimentary domestic lounge visits per quarter.
  • Priority Pass membership providing 2 complimentary international lounge visits per year.
  • A lower foreign currency mark-up fee of 1.5% of the transacted amount (+GST), which is considerably lower than the typical 3.5% offered by other credit cards.
• Milestone Benefits:
  • Earn 2,000 bonus Edition Cash on spending Rs. 5,00,000 in an anniversary year.

Rewards Redemption Guide

• Edition Cash is RBL's version of Reward Points.
• 1 Edition Cash is equivalent to Re. 1.
• Edition Cash can be redeemed for all spends on the Zomato app/website.
• Edition Cash can also be adjusted against the card’s outstanding balance.

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 enjoy dining out, especially through Zomato and Blinkit, given the generous 10X reward rate on these platforms. While primarily a dining card, its appeal is broadened by valuable travel benefits, including complimentary access to both domestic and international airport lounges, as well as a competitive 1.5% foreign currency markup fee. This makes it a strong contender not just for foodies but also for travel enthusiasts who might be willing to pay a slightly higher annual fee for these combined advantages. The card offers a higher reward rate and more comprehensive travel perks compared to its Classic variant, providing a compelling value proposition for those seeking premium benefits.

Important Product Details

• Complimentary Zomato Pro membership, automatically renewed annually.
• Reward Points are earned as Edition Cash, where 1 Edition Cash = 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 purchases.
• Receive 2,000 bonus Edition Cash on spending Rs. 5,00,000 in an anniversary year.
• Annual fee waiver available on expenditure of Rs. 4,00,000 in the preceding year.
• Includes complimentary access to domestic and international lounges.
• Features a lower international transaction fee (forex markup) of 1.5%.
• Offers a "Buy one and get one" movie ticket free on BookMyShow once every month (maximum discount of Rs. 200 per transaction).

Other Details

• Zero Liability Protection: The cardholder will not be liable for any transactions made on the card after reporting its loss or unauthorized use to the bank. However, any transactions made prior to reporting remain the cardmember's liability.
• How to Apply:
  • The card can be applied for via the Zomato app.
  • The KYC process can be completed online by submitting soft copies of required documents.
  • A virtual version of the credit card is instantly provided and paired with the Zomato account.
  • Both online (click "Apply Now" and follow steps) and offline (visit nearest RBL Bank branch) application methods are available.
• Customer Care: For queries or to report a lost card, contact RBL’s credit card customer care at 1800 121 9050 (toll-free) or +91 22 6115 6300 (24x7 helpline) from your registered mobile number. Alternatively, you may email cardservices@rblbank.com.