RBL Platinum Delight Credit Card – Benefits, Fees & Eligibility

RBL Platinum Delight Credit Card

The RBL Platinum Delight credit card is a comprehensive rewards card designed for individuals seeking to maximize savings on everyday purchases. This card offers an enticing welcome benefit of 4,000 Reward Points upon joining, along with opportunities to earn monthly bonus Reward Points based on your spending. A key highlight of the card is its accelerated reward earning on weekends, providing 4 Reward Points for every Rs. 100 spent. Cardholders can also benefit from spend-based annual fee waivers, making it possible to enjoy the card without renewal charges. The accumulated Reward Points can be conveniently redeemed for a variety of options including travel bookings, mobile recharges, and shopping vouchers through the dedicated RBL Rewards website.

Welcome Benefits

• Receive 4,000 Reward Points as a welcome gift.
• This welcome benefit is applicable if the credit card is swiped for a valid retail spend within 30 days of receiving it.
• The offer is available after paying the membership fee of Rs. 1,000.
• Information regarding the welcome bonus will be communicated via SMS or email at the registered phone number or email ID within 60 days of card issuance.

Fees

• Joining Fee: Rs. 1,000 + GST
• Renewal Fee: Rs. 1,000 + GST
• Spend-Based Waiver:
  • The renewal fee is waived if you spend Rs. 2 lakh or more in the previous year.
  • The annual fee is waived if you spend Rs. 2 lakh or more in a year.
• Rewards Redemption Fee: Rs. 99 + GST on every redemption request.
• 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 on all fuel transactions.
  • This waiver is applicable for transactions ranging from Rs. 400 to Rs. 5,000.
  • The maximum fuel surcharge waiver is capped at Rs. 150 per month.
• Cash Advance Charges: 2.5% of the amount withdrawn or Rs. 500, whichever is higher.

Rewards

• Reward Rate:
  • Earn 2 Reward Points on every Rs. 100 spent on all purchases during weekdays.
  • Earn 4 Reward Points (2x Reward Points) for every Rs. 100 spent on weekends (Saturdays & Sundays).
• Monthly Bonus Reward Points:
  • Get 1,000 bonus points every month.
  • This benefit is earned by swiping the card 5 times for transactions worth Rs. 1,000 each month.
  • This offer is not applicable on fuel transactions made using your credit card in a calendar month.
  • Information regarding milestone bonuses will be communicated within 30 days of crossing the threshold transaction limit of a calendar month.
• Reward Accumulation Cap: The maximum limit for reward accumulation in a month is 1,000 Reward Points.
• Exclusions for Reward Points: No Reward Points will be earned for spends on fuel, railways, utilities, insurance, wallet reloads, rentals, and miscellaneous payments.
• Fuel Surcharge Waiver:
  • 1% fuel surcharge waiver on all your fuel transactions.
  • Capped at a maximum limit of Rs. 150 per month.
  • Applicable for fuel transactions ranging from Rs. 400 to Rs. 5,000.

Rewards Redemption Guide

• Reward Points can be redeemed through the dedicated website: RBL Rewards.
• The value of 1 Reward Point is Rs. 0.25 for redemption. This means 4 Reward Points are equal to 1 Rupee.
• Reward Points can be redeemed against various options including hotel/flight bookings, mobile recharges, shopping vouchers, and other lifestyle products.
• A fee of Rs. 99 + GST is charged on every redemption request made for RBL Bank Credit Cards.

Card Review

The RBL Platinum Delight Credit Card is a strong option for individuals who prioritize saving on all their purchases, especially those who tend to spend more on weekends. It offers an attractive reward structure with accelerated points on weekend spends and a valuable welcome bonus. The card further enhances its appeal with spend-based benefits like renewal fee waivers and monthly bonus reward points. While it doesn't offer specific benefits for categories like movies, dining, or travel lounges, its universal reward earning across most spends makes it a practical choice. The rewards redemption process is straightforward through a dedicated portal, though a nominal redemption fee applies. This card is particularly suitable for regular shoppers looking for a simple yet effective rewards program.

Important Product Details

• Welcome gift of 4,000 Reward Points.
• Earn 2 Reward Points on every Rs. 100 spent on weekdays.
• Earn 4 Reward Points on every Rs. 100 spent on weekends.
• Opportunity to earn 1,000 monthly bonus Reward Points by fulfilling specific spend criteria (5 transactions of Rs. 1,000 each).
• 1% fuel surcharge waiver, capped at Rs. 150 per month, for transactions between Rs. 400 and Rs. 5,000.
• Annual renewal fee waiver on spending Rs. 2 lakh or more in a year.
• Rewards redemption incurs a fee of Rs. 99 + GST.
• Foreign currency transactions are subject to a markup fee of up to 3.5%.
• No Reward Points are earned on fuel, railways, utilities, insurance, wallet reloads, rentals, and miscellaneous payments.
• The card does not provide Zero Liability Protection for lost/stolen cards.

Other Details

• Best Suited For: Shopping.