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

Introduction

The RBL Bank World Plus SuperCard, issued by RBL Bank, is a premium credit card designed to offer extensive privileges across various categories. It stands out with benefits like 1+1 free movie tickets on BookMyShow, accelerated 10x Reward Points on dining and international spends, and complimentary access to major domestic airport lounges. The card also provides a dedicated 24x7 concierge service and attractive milestone rewards, making it suitable for individuals seeking a comprehensive lifestyle and travel card.

Welcome Benefits

• Receive 20,000 Reward Points upon payment of the joining fee and spending INR 2,000 within 30 days of card issuance.
• Note: Welcome rewards are not applicable for First Year Free cards.
• The estimated value of this welcome gift is INR 5,000.

Fees

• Joining Fee: INR 4,999 + Goods and Service Tax (GST).
• Annual Fee: INR 4,999 + Goods and Service Tax (GST).
• Rewards Redemption Fee: INR 99 + GST, applicable one time for all redemptions made in a single day.
• Cash Advance Charges (Easy Cash): A processing fee of 2.5% (minimum INR 500) is applicable for cash withdrawals. No interest will be charged until the bill date (maximum of 50 days).
• Emergency Advance Interest: The available cash limit can be converted into a 3-month personal loan at an interest of 1.16% per month. No processing fee will be levied on this loan.
• Transfer n Pay Interest: Low interest rates are provided for transferring outstanding amounts from another bank's credit card, and the amount can be converted to Easy Monthly Instalments (EMIs).
• Split n Pay Charges: A nominal processing charge and low interest rates apply when converting purchases of INR 3,000 and more into EMIs.
• Fuel Surcharge Waiver: Up to INR 200 per month. The waiver is applicable on minimum fuel transactions of INR 500 and maximum of INR 4,000.

Rewards

• General Spends: Earn 2 Reward Points for every INR 100 spent.
• Dining Spends: Avail a 5% discount via 20 Reward Points for every INR 100 spent (equivalent to 10x Reward Points). A maximum of 2,000 Reward Points can be earned per month in this category.
• International Spends: Avail a 5% discount via 20 Reward Points for every INR 100 spent (equivalent to 10x Reward Points). A maximum of 2,000 Reward Points can be earned per month in this category.
• Milestone Rewards:
  • Spend INR 3,00,000 in a year and get 20,000 Reward Points.
  • Cross a spend level of INR 5,00,000 in a year and get an additional 20,000 Reward Points, totaling 40,000 Reward Points for INR 5 Lakhs in annual spends.
• Movie Benefits: Get 1+1 free movie ticket (up to INR 200) on BookMyShow, twice a month, on any day of the week.
• Domestic Airport Lounge Access:
  • Enjoy 8 complimentary visits per year at domestic lounges at all major airports in India.
  • There is a maximum limit of 2 complimentary airport lounge accesses in a quarter.
  • Lounge access for the subsequent quarter is unlocked by spending INR 35,000 or more in the preceding calendar quarter (excluding rental spends).
• Priority Pass Membership: Receive a complimentary Priority Pass Membership.
  • Using Priority Pass membership within India for airport lounge access entails a charge of up to $35.
  • Similar charges of $35 will apply in case of usage outside India.
• Golf Concierge: Complimentary Golf Concierge services are available for MasterCard holders, including Golf Course Referral and Reservation Assistance.
• World Class Concierge Services: A dedicated Concierge Help Desk will assist with various bookings and referrals, including:
  • 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
• Estimated Annual Benefits: The total benefits per annum are estimated to be INR 57,000+.

Rewards Redemption Guide

• Reward points can be redeemed at rblrewards.rbl.bank.in for an exciting range of gift vouchers, hotel stays, air tickets, and more.
• The value of 1 Reward Point will vary from INR 0.11 to INR 0.25 across different categories. For calculation purposes, a value of INR 0.25 per Reward Point is assumed.
• A reward redemption fee of INR 99 + GST is applicable one time for redemptions made in a single day.
• Reward Point Exclusions:
  • Transactions made on Education, Insurance, Utilities, Rent Payments, and Wallet Load categories will not earn reward points.
  • Effective from October 15, 2024, transactions made on Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash are also not eligible for reward points.

Card Eligibility Criteria

• Address Proof: Aadhaar Card, Voter ID, Passport, Ration Card.
• Income Proof: Income Tax Returns, Salary Slip, Form 16.
• Identity Proof: Aadhaar Card, Driving Licence, Passport.

Important Product Details

• Positive Highlights:
  • High reward earning potential, especially on dining and international spends (10x points).
  • Generous welcome bonus of 20,000 Reward Points.
  • Significant milestone rewards for annual spends of INR 3 Lakhs and INR 5 Lakhs.
  • Complimentary domestic airport lounge access (8 visits/year) with a reasonable spend-based waiver condition.
  • Complimentary Priority Pass Membership.
  • 1+1 free movie tickets on BookMyShow twice a month.
  • Comprehensive 24x7 concierge services for various lifestyle needs.
  • Fuel surcharge waiver up to INR 200 per month.
  • "Easy Cash" feature allows interest-free cash withdrawals for up to 50 days (processing fee applies).
  • "Emergency Advance" offers a 3-month personal loan from available cash limit at a low interest rate of 1.16% per month with no processing fee.
  • "Transfer n Pay" facility for balance transfers with low interest EMIs.
  • "Split n Pay" for converting large purchases (INR 3,000+) into EMIs.
  • "Xpress Cash" for instant loans within the credit limit with paperless and document-free processing.
  • Contactless payment facility for quick transactions up to INR 5,000.
  • International acceptance, allowing purchases in any currency to be paid back in Indian Rupees.
• Negative Highlights:
  • Annual fee of INR 4,999 + GST.
  • Reward redemption fee of INR 99 + GST.
  • Specific spend categories (Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash) are excluded from earning reward points.
  • Domestic lounge access is conditional on spending INR 35,000 in the preceding calendar quarter.
  • Priority Pass usage for lounge access (both in India and abroad) incurs a $35 charge per visit.

Other Details

• The card is also referred to as "World Plus Credit Card" in some contexts.
• Cardmembers can set the purchase limit of their card using the RBL MyCard Mobile App.
• To avail the BookMyShow movie offer, cardmembers need to apply under the offers/discounts section on the BookMyShow checkout page and add their card details and expiry date. This offer cannot be clubbed with any other offer.
• For Golf courses bookings, customers can ask for the Golf Concierge Desk by calling Customer Services at 1800 102 6263.
• For other concierge services, customers can call Customer Service at 022-42320264.
• Legal disclaimers and terms and conditions apply to all offers and benefits.
• Important documents like Most Important Terms and Conditions (MITC), Cardmember Agreement, and Schedule of Charges are available on the bank's website.