RBL Classic Platinum Credit Card Review

RBL Bank is a credit card issuer in India that offers a diverse selection of credit cards. One of them is the RBL classic platinum credit card. This card is ideal for rewarding customers with points. Apart from reward points, this rbl bank credit card has a number of appealing features and perks, such as easy redemption possibilities, add-on facility, and 0% fraud responsibility, to name a few. In truth, this is one of RBL bank’s most basic credit cards. This card is powered by MasterCard, and the annual fee is Rs. 4,000. Read on to learn more about the rbl bank credit card perks.

Classic Platinum RBL 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 get a good credit limit on this rbl bank credit card.

You can apply for this card from the rbl credit card online application portal. And once your application is submitted successfully, you can track your rbl credit card application status using the application id from the rbl credit card application tracking portal. 

Documents Required To Apply For RBL Classic Platinum 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.

All new rbl bank credit cards are delivered in an inactive state, as per the new credit card guidelines. To use the cards, you must first manually activate them by creating a new credit card PIN. The Cashback beta faq page can assist you with the rbl credit card activation process.

RBL Classic Platinum Card Fees:

  • Rbl platinum credit card joining fee: The Bank will let you know at the time of issuance.  
  • Rbl platinum credit card annual feeRs. 4,000 + GST

RBL Classic Platinum Card Benefits:

  • Accelerated rewards on every transaction:

Within India, this rbl platinum credit card offers 2 reward points for every Rs. 100 spent. On international transactions, you will also receive 4 reward points.

These rbl bank rewards can be used to get a product from the rbl credit card reward points catalogue, as well as for flight tickets, hotel bookings, shopping, cellphone recharge, and shopping vouchers. The rbl bank credit card app allows you to monitor the status of your earned rbl card reward points.

Lost Card liability coverage:

This rbl bank platinum credit card carries no liability in the event of a lost card. It protects you from fraud or unauthorised transactions that occur before you report a loss. You can also use the rbl mycard app to temporarily disable your card.

Customizable spend limit To Set Monthly Budget:

With the help of the rbl mycard app , you can set a spending limit for yourself. It helps to set a monthly budget.  

Get complete control over your account using MyCard app:

RBL allows you complete control over your account, allowing you to perform tasks such as rbl bank credit card bill payment, viewing your rbl bank credit card statement, monitoring your activity, EMI payment, Pin setup, and more via the rbl my card app or your rbl credit card net banking account.

Lifetime free add on credit card for your family:

You may show off the cool features of your cards to your friends and family. 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.

Security of the advanced EMV chip:

A built-in EMV chip is included with this rbl platinum credit card. It makes credit card transactions more secure and convenient.

Convenient rbl credit card online payment options:

Customers of RBL have access to a very handy payment mechanism. You can pay your credit card bill online through your rbl bank net banking account or through a credit card payment app. If you don’t have access to the rbl online payment alternatives listed above, you can pay your rbl credit card bill using NEFT, check, or an ATM near you.

Anywhere usability:

This card is accepted worldwide, and you can use it at any store or e-commerce site that accepts MasterCard credit cards.

Platinum Classic RBL Credit Card Charges:

ParticularsPayable amount
Rbl credit card cash withdrawal charges2.5% against the amount, min Rs. 500 (Check your RBL classic platinum card limit before making a withdrawal)
RBL premium credit card finance chargeThe rbl credit card interest rate can go up to 3.99% monthly
Rbl platinum card currency conversion charge3.5% against the transaction amount
Rbl add on card feeNone.

RBL Bank Credit Card Customer Care Contact Details:

  • Call the rbl bank credit card customer care no: 022-6232-7777 or 022-7119-0900 (Super Card)
  • Write to the rbl bank credit card email id: [email protected] 

Cashback beta Ratings:

6/10

Final Opinion:

This card is specially designed for those who want to earn reward points from their transactions. It offers 2 rbl card reward points for each Rs. 100 transaction, zero lost card liability, flexible spend limit, online control, add-on facility, etc. 

But the main aspect of the card, which is the reward benefit, is not that attractive, except that there are not many benefits with this card. So if you want to have some extra benefits like lounge access, free movie ticket, fuel surcharge waiver, etc. Then take a look at the Cashback beta top 10 credit card pages. You can take a look at the alternative card options given below.

Alternative Cards: 

  1. Icici manchester united credit card (Best for cashback and lounge access benefits)
  2. IDBI Bank Aspire Platinum Credit Card (Best for reward points and fuel surcharge waiver)
  3. Rbl bank platinum maxima card (Best for reward points and lounge access benefits)
  4. Simply save sbi credit card (Best for offering reward points)