RBL Bank Monthly Treats Credit Card Review

The rbl bank monthly treats credit card is a MasterCard credit card issued by RBL Bank of India. It is RBL’s most comprehensive credit card. With this card, you may earn significant cash back and rewards on all of your purchases. One of the card’s standout characteristics is that it doesn’t charge an annual fee; instead, it levies a tiny monthly cost that will appear on your monthly credit card statement.

The card’s amazing features include excellent cashback on everyday needs, reward points on every transaction, and a waiver of gasoline surcharges, among others. MasterCard is the company behind this card. Let’s take a closer look at the rbl bank credit card advantages.

RBL Monthly Treats Credit Card Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • A good CIBIL Score (750 or more) is needed to apply for this card.

You can apply for this card online at the rbl credit card online application site, and you can check the status of your rbl monthly treats credit card application at the rbl application status tracking portal once it has been filed successfully.

Documents Required To Apply For RBL Monthly Treats Credit Card:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 

RBL Monthly Treats Credit Card Monthly Fees:

  • RBL Monthly treats card joining fee: Rs. 50 + GST (One time)
  • RBL monthly treats card monthly fee: Rs. 50 + GST (Monthly)

RBL Monthly Treat Credit Card Benefits:

Earn big cash-backs every month: 

This RBL monthly treat credit card gives significant monthly Cash-Backs, as well as up to a 10% discount on BookMyShow, Swiggy, and food purchases.

Attractive rewards on every transaction:

For every Rs. 100 transaction done with this card, you will receive 1 reward point. For the same, you can get 2X rbl points when you make an online purchase.

The rbl my card app or your RBL net banking account can be used to check the status of your earned rbl rewards. You can spend your rbl bank rewards points to receive a mobile recharge, make a bill payment, book a flight, or buy something from the rbl rewards redemption catalogue.

Get freedom from fuel surcharges:

This rbl bank credit card offers a fuel surcharge waiver of Rs. 100. This credit card fuel price waiver offer is valid at any Indian gas station. The amount of the transaction should be between Rs. 500 and Rs. 4,000.

Extra benefits on milestone spending:

Total spendBenefits
On spending Rs. 3,000 with your card in an rbl bank statement cycleYou will unlock the 10% Cash-Back benefit on Groceries
On spending Rs. 5,000 with your card within a month. You will unlock 10% Cash-Back on BookMyShow, Swiggy, and on utility bill payments, for the rest of the month

You can always check your rbl card status using the rbl bank credit card app.

Lifetime free add-on cards for your loved ones:

You can tell your friends and family about the great features of your rbl monthly treat card. Simply add your loved ones to your card (minimum age – 18+) and they will be able to use the benefits of a credit card as well.

EMI payment option:

You can convert your payments (above Rs. 3000) into EMIs with this rbl credit card. For frequent consumers, this function is really useful. Using the rbl my card app, you may apply for a new EMI and check the status of your current EMIs. The rbl credit card emi calculator may also be used to calculate the applicable rbl credit card emi interest rate as well as the monthly instalment amount.

Security of advanced EMV chip:

A built-in EMV chip is included with this RBL monthly treat credit card. Your transactions will be more secure and convenient as a result of it. Despite the security procedures in place, however, fraudulent transactions can occur at any time.

Also, if you find anything unusual with your RBL monthly treat credit card account, you should contact RBL customer support right away. You can also use the rbl mycard app to temporarily disable your card.

Convenient rbl credit card bill payment options:

RBL Bank provides a variety of bill payment methods. Your credit card bill can be paid using your rbl bank cards online banking account or any credit card payment app. If you don’t have access to the rbl credit card payment options listed above, you can pay your credit card bill using NEFT, check, or an ATM near you. If you have any questions about the credit card bill payment option, the Cashback beta faq page might assist you.

Use your card anywhere in the world:

This rbl credit card is accepted worldwide; you can use it at any outlet or e-commerce site that accepts MasterCard credit cards.

RBL Credit Card Charges:

Particulars Payable amount
Rbl credit card cash withdrawal charges2.5% against the amount, Min Rs. 500 (Check your available rbl bank monthly treats credit card limit before making a withdrawal)
Rbl bank credit card finance chargeThe rbl credit card interest rate can go up to 3.99% monthly
RBL card foreign currency transaction charge3.5% against the transaction amount
Rbl credit card add-on card feeNone

RBL Monthly Treat Credit Card Customer Care Contact Details:

  • Call the rbl bank credit card helpline number: 022-6232-7777 or 022-7119-0900 (Super Card)
  • Write to the rbl credit card complaint email id: [email protected] 

Cashback beta Ratings:

6.5/10

If you don’t want to continue with your old RBL credit card then, you can close your account very easily. You can get some help on the rbl credit card cancellation process from the Cashback beta faq page. 

Final Opinion:

This RBL monthly treats credit card is best for those who want to earn Cash-Backs, this card offers a 10% Cash-Back on online spending and utility bill payments. This card also offers a waiver on fuel surcharges and the EMI payment facility. So, if you are looking for a Cash-Back credit card at a low cost then you may go for this card. 

But the Cash-Back offered by the rbl monthly treats credit card is not available from the first day of a month. You have to spend a certain amount of money to unlock it every month. Which reduces the interest for this card. So if you are looking for a better cash-back credit card, then you should visit our top 10 credit card page. You can also take a look at the alternative card options given below. 

Alternative Cards: 

  1. BOI Swadhan Rupay Platinum credit Card (Best for offering cashback)
  2. RBL Platinum ValuePlus SuperCard (Best for cashback and fuel surcharge waiver)
  3. RBL Platinum ShopSmart SuperCard (Best for cashback and lounge access benefits)
  4. Standard chartered manhattan platinum credit card (Best for cashback and travel benefits)