RBL Bank Titanium Delight Card – Benefits, Fees & Eligibility

Introduction

The RBL Bank Titanium Delight Card is positioned as a basic, entry-level credit card from RBL Bank, designed to help customers save on their everyday spends. Its key differentiating benefits include special mid-week delights offering accelerated rewards on groceries and pizza, a Buy 1 Get 1 Free movie ticket offer on Wednesdays, a welcome bonus of up to 3,000 reward points, annual milestone bonus reward points, an annual fee waiver based on spending, and a fuel surcharge waiver.

Welcome Benefits

• Earn up to 3,000 bonus Reward Points.
• Receive 2,000 bonus reward points upon making the first transaction after paying the joining fee.
• Get an additional 1,000 bonus reward points by making transactions exceeding Rs. 10,000 within the first 60 days from the date of card issuance.

Fees

• Joining Fee: Rs. 750 + GST.
• Annual Fee: Rs. 750 + GST.
• Spend-Based Waiver:
  • The annual fee is waived off on making purchases worth INR 1.5 lakhs or more in a membership year.
  • Effective October 15, 2024, purchases made on select merchant categories (including Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversions) will not be included for annual fee waiver calculation.
• Rewards Redemption Fee: Rs. 99 + GST, applicable once for all redemptions made in a single day.
• Foreign Currency Markup: 3.50% on all foreign currency spends.
• Interest Rates: 3.5% per month on the overdue amount.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver for all fuel transactions between Rs. 500 and Rs. 4,000, with a maximum monthly waiver of Rs. 100.
• Cash Advance Charges: 2.5% of the withdrawn amount or Rs. 500, whichever is higher.

Rewards

• General Spends: Earn 1 Reward Point for every Rs. 100 spent on all other transactions.
  • Effective October 15, 2024, purchases made on select merchant categories (including Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversions) will not earn reward points.
• Mid-Week Delights (Wednesdays):
  • Groceries: Earn 10 Reward Points for every Rs. 100 spent on grocery shopping, with a maximum of 1,000 reward points per month. This is equivalent to 2.5% value back (10 RP * Re. 0.25/RP = Rs. 2.5 on Rs. 100).
  • Dining (Pizza): Earn 20 Reward Points for every Rs. 100 spent on ordering pizza from Domino's/Pizza Hut, with a maximum of 1,000 reward points per month. This is equivalent to 5% value back (20 RP * Re. 0.25/RP = Rs. 5 on Rs. 100).
  • Movies: Get a Buy 1 Get 1 Free movie ticket offer or a discount of INR 200 (whichever is lower) on BookMyShow once a calendar month on a Wednesday.
• Milestone Benefits:
  • Earn 4,000 bonus Reward Points every year if you achieve an annual spend of INR 1.5 lakhs or more in a membership year.
  • Reward points earned will be credited to your account within 45 days from the date of crossing the mentioned threshold.
  • Effective October 15, 2024, purchases made on select merchant categories (including Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversions) will not be included for milestone benefit calculation.
• Fuel: Avail a 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 4,000 at all fuel stations in India, with a maximum monthly waiver of Rs. 100.
• Travel: No travel benefits are provided on this card.
• Domestic Lounge: Not applicable.
• International Lounge: Not applicable.
• Golf: Not applicable.
• Insurance: Not applicable.

Rewards Redemption Guide

• Redeem your reward points against selected flights, hotel bookings, mobile recharge, high-end gadgets, accessories, gift vouchers, and more at RBL Rewards (rblrewards.rbl.bank.in).
• The monetary value of 1 Reward Point is equivalent to Re. 0.25.
• A reward redemption fee of Rs. 99 + GST is applicable on redemption of your available reward points, levied one time for redemptions made in a single day.

Card Eligibility Criteria

Eligibility Rules

• The applicant should be a minimum of 21 years of age.
• The credit card is issued to either salaried or self-employed individuals.
• The applicant should possess a decent credit score.

Documents Required

• Identity Proof: Aadhar Card, Driving License, PAN Card, Passport, Voter’s Id, etc. (any one of these).
• Address Proof: Aadhar Card, Latest months’ utility bills, Passport, Ration Card, etc.
• Income Proof: Latest salary slips/bank statements, or latest audited ITR.

Card Review

• Overall Verdict: The RBL Bank Titanium Delight Card is positioned as a highly rewarding entry-level card, offering significant value back, especially for specific spending categories. It provides accelerated reward points on grocery shopping and pizza orders, along with a Buy 1 Get 1 Free movie offer on Wednesdays. Cardmembers can also benefit from annual fee waivers and fuel surcharge waivers. However, it is important to note that the bank is no longer accepting new applications for this card.
• Who Should Apply: This card was ideal for individuals who frequently spend on groceries, order pizza, and enjoy movies, particularly on Wednesdays. It was also beneficial for those looking for a card with a clear path to annual fee waivers and fuel savings.
• Pros:
  • Generous mid-week delights with accelerated rewards on groceries and pizza.
  • Buy 1 Get 1 Free movie tickets on BookMyShow.
  • Welcome bonus and annual milestone bonus reward points.
  • Annual fee waiver based on spend.
  • Fuel surcharge waiver.
  • Good redemption value for reward points (Re. 0.25 per point).
• Cons:
  • The card is currently discontinued and RBL Bank is no longer accepting new applications.
  • Reward point earnings, milestone benefits, and annual fee waiver calculations have exclusions for several merchant categories (e.g., Fuel, Utilities, Insurance, Education, Wallet, Government Services) effective October 15, 2024.
  • No travel, lounge, golf, or insurance benefits.

Important Product Details

• Receive up to 3,000 reward points as welcome benefits.
• Earn 1 Reward Point for every Rs. 100 spent on general transactions.
• Enjoy accelerated rewards on Wednesdays: 10 Reward Points per Rs. 100 on groceries and 20 Reward Points per Rs. 100 on Domino's/Pizza Hut.
• Avail a Buy 1 Get 1 Free movie offer on BookMyShow on Wednesdays, capped at Rs. 200 per ticket, once a month.
• Earn up to 4,000 bonus reward points annually on achieving spend milestones of INR 1.5 lakhs.
• The annual fee can be waived on spending INR 1.5 lakhs or more in a membership year.
• Benefit from a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, up to Rs. 100 monthly.
• Reward points are valued at Re. 0.25 each upon redemption.
• The RBL Bank Titanium Delight Card is currently discontinued and no longer accepting new applications.
• Specific merchant categories are excluded from earning reward points, milestone benefits, and annual fee waiver calculations, effective October 15, 2024.

Other Details

• How to Apply:
  • Online Mode: Applicants could click on "Apply Now" and proceed by filling in all the required details.
  • Offline Mode: Applicants could visit the nearest bank branch with their documents and fill in the physical form.
• Discontinued Status: RBL Bank is no longer accepting applications for the Titanium Delight Credit Card. Existing cardmembers can continue to enjoy all the benefits and features associated with it.
• Reward Point Crediting: Reward points earned in a given month will be credited to your account within 45 days from the purchase settlement date. Milestone reward points will also be credited within 45 days from the date of crossing the specified threshold.
• Terms & Conditions: The product is subject to various terms and conditions, including Product Terms & Conditions, Most Important Terms and Conditions, and a Schedule of Charges, which define merchant categories and other operational details.