RBL Platinum Delight Credit Card – Benefits, Fees & Eligibility

Introduction

The Platinum Delight Credit Card, issued by RBL Bank, is positioned as a rewards-centric card designed for individuals seeking to maximize savings on their everyday purchases. It offers a compelling welcome benefit of 4,000 reward points and differentiates itself with accelerated reward earnings on weekend spends, providing 2x points. Additionally, cardholders can enjoy an annual fee waiver based on their spending, making it an attractive option for consistent users.

Welcome Benefits

• Begin your Platinum Delight Credit Card journey with 4,000 reward points.
• To avail the welcome benefit, swipe and use your card for a valid retail spend within 30 days of card issuance.
• The annual membership fee must be paid by the payment due date.
• The welcome benefit will be credited to your account within 60 days from the date of card issuance.

Fees

• Joining Fee: INR 1,000 + GST.
• Renewal Fee: INR 1,000 + GST.
• Spend-Based Waiver:
  • The annual fee is waived if you make purchases worth INR 2 lakhs or more in a membership year.
  • W.e.f. October 15, 2024, purchases made on select merchant categories will not be included for achieving the annual spend waiver criteria. These categories include Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous & Bills2Pay, and EMI conversion of retail transactions (Split-N-Pay & EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App), fees (if any), charges & GST.
• Rewards Redemption Fee: INR 99 + GST is applicable on each redemption request for your available reward points. This fee is levied one time for redemptions made in a single day.
• Foreign Currency Markup: Up to 3.5% on all foreign currency spends.
• Interest Rates: Up to 3.99% per month.
• Fuel Surcharge: 1% fuel surcharge waiver at all fuel stations.
  • Valid for fuel purchases ranging from INR 500 to INR 4,000.
  • Maximum monthly waiver of INR 150.
  • The benefit will be reflected in your monthly credit card statement.
• Cash Advance Charges: 2.5% of the amount withdrawn or INR 500, whichever is higher.

Rewards

• General Spends: Earn 2 reward points for every INR 100 spent on your purchases during weekdays.
• Weekend Spends: Double your happiness every weekend by earning 4 reward points for every INR 100 spent during Saturdays & Sundays.
  • A maximum of 1,000 reward points can be availed per month from weekend spends.
• Milestone Benefit: Earn 1,000 bonus reward points on swiping your card 5 times for transactions worth INR 1,000 or more in a calendar month.
  • Reward points earned will be credited to your account within 45 days from the date of crossing the above-mentioned threshold.
  • The offer for monthly bonus reward points is not applicable on fuel transactions made using your credit card in a calendar month.
  • W.e.f. October 15, 2024, additional monthly bonus reward points benefit on achieving the monthly spend criteria will not be included on purchases/spends for select merchant categories: Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous & Bills2Pay.
• Reward Point Exclusions:
  • Purchases made on select merchant categories do not earn reward points: Fuel & Auto, Utilities, Insurance, Railways, Real Estate/Rental, Wallet/Service Providers & Miscellaneous.
  • W.e.f. October 15, 2024, purchases made on select merchant categories will also not earn reward points: Quasi-Cash, Education, Government Services, Contracted Services, Cash & Bills2Pay.
• Reward points earned in a given month will be credited to your account within 45 days from the purchase settlement date.

Rewards Redemption Guide

• Reward points can be redeemed at rblrewards.rbl.bank.in.
• The value of 1 Reward Point is INR 0.25.
• You can redeem your reward points against hotel/flight bookings, mobile recharges, shopping vouchers, and other lifestyle products.
• A reward redemption fee of INR 99 + GST is applicable on redemption of your available reward points. This fee is levied one time for redemptions made in a single day.

Card Review

The RBL Platinum Delight Credit Card is an excellent choice for individuals looking to save on their purchases, especially those who tend to spend more on weekends. Its exclusive reward offers, including 2x points on weekend spends, and spend-based benefits like renewal fee waivers and monthly bonus reward points, make it highly advantageous. The ability to redeem reward points against a variety of options through a dedicated website, despite a nominal redemption fee, adds to its value. This card is particularly recommended for frequent weekend shoppers seeking to maximize their savings.

Important Product Details

• Welcome gift of 4,000 Reward Points upon meeting specific conditions.
• Earn 2 Reward Points on every INR 100 spent on weekdays.
• Earn 2x Reward Points (4 points per INR 100) on weekends.
• Opportunity to earn spend-based monthly bonus Reward Points (1,000 points for 5 transactions of INR 1,000+ each month).
• 1% fuel surcharge waiver on transactions between INR 500 and INR 4,000, capped at INR 150 per month.
• Annual fee waiver available on spending INR 2 lakhs or more in a membership year.
• No Zero Liability Protection for a lost/stolen card.

Other Details

• Terms and Conditions apply to all benefits and features.
• Categories/MCCs (Merchant Category Codes) are defined as per Mastercard/RuPay/VISA guidelines for exclusions.
• Bills2Pay is a facility provided by RBL Bank where Cardmembers can pay various utility bills via RBL MyBank App/Internet banking channel.
• Detailed Terms and Conditions, Most Important Terms and Conditions, Cardmember Agreement, and Schedule of Charges are available on the bank's website.