RBL Bank Monthly Treats Credit Card Review

If you are looking for powerful discounts on online expenses, then you should take a look at the rbl bank monthly treats credit card. One of the unique features of this card is that there is no annual fee on this card, instead, it charges a small monthly fee that will be included in your monthly rbl credit card statement. Targeting the new generation of credit card users, this card offers powerful discounts on online shopping and groceries, rbl rewards on every transaction, handsome waivers on fuel surcharges, and lots more. More about the rbl bank credit card benefits are discussed below.

Who can apply for the rbl monthly treats credit card?

• Resident Type: Indian. 
• RBL credit card eligibility criteria for salaried person:
  • Age: 21 to 60 yrs. 
  • Income: Above Rs. 25,000 monthly. 
• RBL bank credit card eligibility criteria 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 rbl bank monthly treat credit card.

You can apply for this card from the rbl credit card online application portal, once your application is submitted successfully, you can track your rbl bank monthly treats credit card application status from the rbl application status tracking page. 

What documents are required to apply for the 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. 

How much are the RBL monthly treats credit card monthly fees?

• RBL monthly treat credit card joining fee: Rs.50 + GST (For the cards issued after 1st November 2021 it would be Rs.75 per month)
• RBL bank monthly treats credit card annual fee: This card features a monthly fee of Rs.50 + GST (For the cards issued after 1st November 2021 it would be Rs.75 per month)

What are the rbl bank monthly treats credit card benefits?

• Add more value to your transactions:

This rbl bank monthly treats credit card features big monthly Cash-Backs, you can get up to a 10% discount on BookMyShow, Swiggy, and spends made on groceries.  

• Make every transaction rewarding:

With this card, you can get 1 reward point for each Rs.100 transaction made with this card (excluding fuel). You can also get 2X rbl points for the same on online transactions. 

You can check the status of your earned rbl rewards from the rbl my card app. You can use those rbl bank rewards points for mobile recharge, bill payments, travel booking, or to get a product from the rbl rewards redemption catalog.  

• Get freedom from fuel surcharges:

This rbl bank credit card offers Rs. 100 waiver on fuel surcharges. This credit card fuel surcharge waiver offer is applicable at any fuel station in India. The transaction amount should be between Rs. 500 to Rs. 4,000. 

• An opportunity to earn more:

Total spend	Benefits
On spending Rs. 3,000 with your card in an rbl bank statement cycle	You will unlock the 10% Cash-Back benefit on Groceries You will also get a complete waiver on your next month’s renewal fee
On spending Rs. 5,000 with your card within an rbl card statement cycle	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.

• Enjoy easy bill splitting:

With this rbl credit card, you can convert your payments (over Rs. 3000) into EMI. This feature is very helpful for frequent shoppers.

You can apply for a new EMI and check the status of your active EMIs using the rbl my card app. You can also calculate the applicable rbl credit card emi interest rate and the amount of the monthly installments using the rbl credit card emi calculator.  

• Instant rbl credit card bill payment options:

You can pay your credit card bill via your rbl bank cards online banking account or by using any credit card payment app like Cred, Google Pay, Phone pe, Paytm, etc. 

 But if you don’t have access to the above-stated rbl credit card payment options, you can pay your credit card bill offline, more about which is discussed on our faq page.

• Get the cutting-edge security:

This RBL monthly treat credit card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.

But, fraudulent transactions can happen at any time. And if you notice something suspicious with your RBL monthly treat credit card account, you should immediately inform it by calling the rbl bank monthly treats credit card customer care number. You can also temporarily block your card using the rbl mycard app.

What are the rbl credit card charges?

Particulars	Payable amount
RBL credit card cash withdrawal charges	2.5% 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 charge	The rbl credit card interest rate can go up to 3.99% monthly
RBL credit card international transaction charges	3.5% against the transaction amount
RBL credit card add-on card fee	None

How to contact the rbl monthly treat credit card customer service department?

• 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: cardservices@rblbank.com 

100xGain Ratings:

7/10

Pros and cons of the RBL monthly treats card:

Pros	Cons
You can earn some handsome discounts on your online expenses. You can also earn some extra rbl bank rewards from your online transactions. This rbl credit card offers bonus gifts on milestone spends.	The monthly subscription system may seem irritating to someone. The rbl card rewards earring rate is not that impressive.

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 our faq page. 

Final Opinion:

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

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 cashback credit cards page. You can also take a look at the alternative card options given below. 

Alternative cards of the rbl monthly treat card: 

1. BOI swadhan rupay platinum 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)