RBL Bank World Max Credit Card – Benefits, Fees & Eligibility

Introduction

The RBL Bank World Max SuperCard is a premium credit card offered by RBL Bank, designed to complement a modern lifestyle with a host of exclusive privileges. It stands out with a generous welcome benefit of 12,000 Reward Points, offers free movie tickets every month, and provides complimentary airport lounge access across India. The card also features a 24x7 Concierge service and best-in-class rewards on all eligible transactions.

Welcome Benefits

• Receive 12,000 Reward Points upon payment of the annual fee and making spends of INR 2,000 within 30 days of card issuance.
• Welcome rewards are not applicable for First Year Free cards.
• The estimated value of 12,000 Reward Points is INR 3,000 (assuming 1 Reward Point = INR 0.25).

Fees

• Joining Fee: INR 2,999 plus Goods and Service Tax (GST).
• Annual Membership Fee: INR 2,999 plus Goods and Service Tax (GST).
• Rewards Redemption Fee: INR 99 plus GST is applicable per redemption. This fee is levied once for all redemptions made in a single day.
• Fuel Surcharge: A waiver of up to INR 150 per month is provided. The surcharge waiver is applicable on minimum fuel transactions of INR 500 and maximum of INR 4,000.
• Cash Advance Charges:
  • A processing fee of 2.5% (minimum INR 500) is applicable for Easy Cash withdrawals from ATMs.
  • Withdraw cash from all ATMs in India at zero interest for a maximum period of 50 days, subject to a 2.5% processing fee.
• Personal Loan Interest Rate: Create a personal loan for 3 months at 1.16% per month with no processing fee.
• EMI Interest Rates: Lower interest rates are available for converting purchases into EMIs via the 'Buy Now Pay Later' facility and for balance transfers.

Rewards

• General Spends:
  • Earn 2 Reward Points for every INR 100 spent on all eligible categories.
  • Earn 2X Reward Points (4 Reward Points per INR 100 spent) on online spends, with a maximum cap of 1,000 Reward Points for 2X online spends.
  • Exclusions (Effective October 15, 2024): Transactions made on Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash categories will not earn reward points.
• Milestone Rewards:
  • Spend INR 25,000 in a month to get 1,500 Reward Points.
  • Reach a spend milestone of INR 40,000 in a month to get an additional 1,000 Reward Points.
  • Reach a spend milestone of INR 50,000 in a month to get an additional 1,000 Reward Points.
  • The estimated annual value from milestone rewards is INR 10,500.
• Movies:
  • Get 1+1 free movie ticket (up to INR 200) on BookMyShow, once a month, on any day of the week.
  • The estimated annual value from movie benefits is INR 2,400.
  • To avail, apply under the offers/discounts section on the BookMyShow checkout page using card details. This offer cannot be clubbed with any other offer.
• Dining:
  • Avail a 5% discount on dining spends by earning 20 Reward Points for every INR 100 spent on weekends.
  • Maximum Reward Points for dining are capped at 1,000 per month.
• Airport Lounge Access:
  • Enjoy 6 complimentary domestic lounge visits in a year, with a maximum limit of 2 complimentary visits per quarter, at major airports in India.
  • Condition: Spends of INR 35,000 or more (excluding rental spends) made in the preceding calendar quarter will unlock the lounge access for the subsequent quarter.
  • The estimated annual value from lounge access is INR 9,000.
• Concierge Service:
  • A dedicated 24x7 Concierge Help Desk assists with:
    • Golf Course Referral and Reservation Assistance
    • Car Rental, Limousine Referral and Reservation Assistance
    • Hotel Referral and Reservation Assistance
    • Business Services
    • Special Events and Performance Assistance
    • Spa, Fitness Centers and Sports Centers Information and Referral Assistance
    • Dining Referral and Reservation Assistance
    • Flower and Gift Delivery Assistance
• EMI Finance:
  • Shop for durables, electronics, furniture, clothes & accessories, groceries, and more, and divide all purchases into easy EMIs.
  • Utilize the 'Buy Now Pay Later' (BNPL) facility to convert any purchases worth INR 3,000 and above into EMIs at lower interest rates.
• Loan Benefits:
  • Easy Cash: Unlimited withdrawal of your available cash limit from all ATMs in India up to your billing date (processing fee of 2.5% applicable; minimum INR 500).
  • Dial for Cash: Get cash instantly and pay it back in installments.
  • Avail pre-approved loans without having to block the credit limit of your credit card.
  • Transfer outstanding balances from other credit cards to your RBL Bank World Max SuperCard and convert them into EMIs at a lower interest rate.
  • Access the Cash Advance facility to meet immediate cash requirements.
• Accelerated Rewards:
  • Earn 5X reward points when purchasing gadgets and home appliances from Bajaj Finserv partner outlets.

Rewards Redemption Guide

• Reward Points can be redeemed at rblrewards.rbl.bank.in for an exciting range of gift vouchers, hotel stays, air tickets, etc.
• A Reward Redemption Fee of INR 99 + GST is applicable for each redemption request (one fee per day for multiple redemptions).
• The value of 1 Reward Point varies from INR 0.11 to INR 0.25 across different redemption categories. For calculation purposes, a value of INR 0.25 per Reward Point is assumed.

Important Product Details

• Positive Highlights:
  • Significant welcome bonus of 12,000 Reward Points.
  • Attractive milestone rewards for monthly spending.
  • Monthly 1+1 free movie tickets on BookMyShow.
  • Complimentary domestic airport lounge access (6 visits annually).
  • Fuel surcharge waiver up to INR 150 per month.
  • Comprehensive 24x7 concierge services.
  • Flexible EMI options and various loan facilities like Easy Cash, Dial for Cash, BNPL, and Balance Transfer.
  • Accelerated reward points on online spends and specific partner outlets.
  • Convenient card management through the RBL MyCard Mobile App.
  • Global acceptance and contactless payment capability.
  • Flexi Limit facility to set purchase limits.
• Negative Highlights:
  • Annual fee of INR 2,999 plus GST.
  • A reward redemption fee of INR 99 plus GST is charged.
  • Lounge access is conditional on meeting a quarterly spend threshold of INR 35,000 (excluding rental spends).
  • Several categories, including Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel & Auto, and Government Services, are excluded from earning reward points (effective October 15, 2024).
  • Welcome rewards are not provided for First Year Free cards.
  • Cash advance transactions incur a processing fee of 2.5% (minimum INR 500).

Other Details

• To begin shopping, ensure your card's 4-digit PIN is set and your mobile number is updated with the bank to receive One Time Passwords (OTPs) for online purchases.
• Customer service for concierge assistance can be reached at 022-42320264.
• For general queries, customer care can be contacted at +91 22 7119 0900 or via email at supercardservice@rblbank.com.
• The RBL MyCard Mobile App allows for easy and hassle-free management of your card.
• The card is accepted globally and supports fast, easy, convenient, and contactless payments.
• Transactions made with the RBL Bank World Max SuperCard are safe and secure.
• The Flexi Limit facility allows you to fix the purchase limit on your card.
• Merchant Category Codes (MCCs) are used to define categories as per VISA & Mastercard guidelines.
• All benefits and features are subject to Terms and Conditions, which are available on the bank's website.