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

Introduction

The RBL Bank World Plus SuperCard is a premium credit card issued by RBL Bank, designed to reward users for their domestic and international purchases. It stands out with key benefits such as 1+1 free movie tickets on BookMyShow, 10x Reward Points on dining and international spends, and complimentary access to airport lounges, along with comprehensive concierge services.

Welcome Benefits

• Receive 20,000 Reward Points upon payment of the joining fee and spending Rs. 2,000 within 30 days from the card issuance date. This welcome gift has an approximate value of Rs. 5,000.

Fees

• Joining Fee: Rs. 4,999 plus GST.
• Annual Fee: Rs. 4,999 plus GST.
• Cash Advance Processing Fee: 2.5% of the withdrawn amount, with a minimum charge of Rs. 500, for cash withdrawals at ATMs across India.
• Emergency Advance (Personal Loan from Cash Limit): No processing fee is levied on the loan amount.
• Split n Pay (EMI Conversion): A nominal processing charge will be levied for converting purchases into EMIs.

Rewards

• General Spends: Earn 2 Reward Points for every Rs. 100 spent on purchases.
• Dining & International Spends: Get 10x Reward Points on dining and international expenditures. For international purchases, this translates to a 5% discount through 20 Reward Points for every Rs. 100 spent, with a maximum of 2,000 Reward Points per month.
• Movies: Enjoy a "buy one get one free" offer on movie tickets (up to Rs. 200) on BookMyShow, available twice a month. This benefit has an annual value of approximately Rs. 4,800.
• Domestic Lounge Access: Receive 8 complimentary domestic airport lounge access visits per year at major domestic airports, valued at approximately Rs. 12,000 annually.
• International Lounge Access: Benefit from a complimentary Priority Pass Membership, valued at approximately $99 (around Rs. 6,500).
• Fuel Surcharge Waiver: A fuel surcharge waiver of up to Rs. 200 per month is provided, allowing you to fill your vehicle's fuel tank without additional charges. This has an annual value of approximately Rs. 2,400.
• Milestone Rewards:
  • Earn 20,000 Reward Points on spending Rs. 3 lakh in a year.
  • Earn an additional 20,000 Reward Points on spending Rs. 5 lakh or more in a year. The total 40,000 Reward Points for these milestone spends are valued at approximately Rs. 10,000.
• 24x7 Concierge Services: A dedicated Concierge Help Desk (Customer Service: 022-42320264) provides assistance for:
  • Dining reservations.
  • Car rental and limousine reservations.
  • Business services.
  • Information on sports centers, fitness centers, and spas.
  • Delivery assistance for gifts and flowers.
  • Golf course reservations.
  • Hotel reservations.
  • Assistance for special events.
• Easy Cash: Withdraw cash from any ATM in India within your available cash limit, with an interest-free period of up to 50 days or until your next billing date (a processing fee applies).
• Emergency Advance: Transfer funds from your available cash limit to your bank account as a personal loan. This loan is interest-free for the first three months (after which an interest of 1.16% per month applies), and no processing fee is levied.
• Transfer n Pay: Transfer outstanding balances from other bank credit cards to the World Plus SuperCard, benefiting from low interest rates and the option to convert the amount into Easy Monthly Instalments (EMIs).
• Instant Cash on Card (Dial for Cash): Avail instant cash and repay it in installments. You can also get a pre-approved loan without blocking your card's credit limit.
• Purchase Now and Pay Later (Split n Pay): Convert purchases of Rs. 3,000 and more into EMIs, with a nominal processing charge and low interest rates.
• Xpress Cash: Instantly avail a loan within your credit limit, featuring paperless money transactions and document-free processing for EMI repayments.
• Contactless Transactions: Tap the card for quick and contactless payments at all retail stores, with payments up to Rs. 5,000 possible via the tap and pay facility.
• International Acceptance: The card is accepted anywhere in the world, allowing purchases in any currency to be paid back in Indian Rupees.
• Anytime Cash Access: The card can be used at any ATM abroad and in India that displays the Maestro/Cirrus/MasterCard sign.

Rewards Redemption Guide

• The accumulated Reward Points can be redeemed for various options, including air tickets, hotel stays, and gift vouchers.

Card Eligibility Criteria

Documents Required

• 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

Card Review

The RBL Bank World Plus SuperCard is a premium credit card offering substantial value for individuals with high spending habits, particularly in dining, international travel, and entertainment. Its comprehensive suite of benefits, including accelerated reward points, extensive lounge access, and dedicated concierge services, positions it as a strong contender in the premium segment.

• Pros:
  • Exceptional reward rates on dining and international spends (10x points).
  • Generous movie benefits with 1+1 tickets twice a month on BookMyShow.
  • Valuable travel perks including 8 complimentary domestic lounge visits and a Priority Pass Membership.
  • Convenient 24x7 concierge services for a wide range of bookings and assistance.
  • Attractive milestone rewards for high annual spending.
  • Flexible cash and loan options like Easy Cash, Emergency Advance, and EMI conversion facilities.
  • Global acceptance and modern contactless payment features.
  • The total annual benefits are estimated to be around Rs. 55,700.
• Cons:
  • The card comes with a significant joining fee and annual fee of Rs. 4,999 plus GST each.
  • Cash withdrawals from ATMs incur a processing fee.
• Overall Verdict: This card is best suited for affluent individuals who can fully utilize its premium features and high reward potential to offset the annual fees. Frequent international travelers, diners, and those seeking comprehensive lifestyle benefits will find this card particularly rewarding.

Important Product Details

• Positive Highlights:
  • Earn 10x Reward Points on dining and international spends.
  • Enjoy 1+1 movie tickets on BookMyShow (up to Rs. 200, twice a month).
  • Access 8 complimentary domestic airport lounges annually.
  • Receive a complimentary Priority Pass Membership for international lounge access.
  • Benefit from a fuel surcharge waiver of up to Rs. 200 per month.
  • Achieve milestone rewards of 40,000 Reward Points on annual spends of Rs. 3 lakh and Rs. 5 lakh.
  • Utilize 24x7 Concierge services for various bookings and assistance.
  • Access multiple flexible cash and loan facilities including Easy Cash, Emergency Advance, Transfer n Pay, Dial for Cash, Xpress Cash, and Split n Pay.
  • The card offers global acceptance and contactless payment functionality.
• Negative Highlights:
  • The card has a high Joining Fee of Rs. 4,999 plus GST.
  • A high Annual Fee of Rs. 4,999 plus GST is applicable.
  • Cash withdrawals at ATMs are subject to a 2.5% processing fee (minimum Rs. 500).

Other Details

• The purchase limit of the card can be customized and set using the RBL MyCard Mobile App.
• All benefits and offers are subject to specific Terms & Conditions.
• The display of any trademarks, tradenames, logos, and other intellectual property belongs to their respective owners. This display, along with related product information, does not imply BankBazaar's partnership with the owner of the Intellectual Property or the issuer/manufacturer of such products.