RBL Classic Platinum Credit Card Review

RBL has introduced a new credit card for those who want to earn reward points from their cards. This card offers some attractive features and benefits like reward facility, easy redeeming options, add-on facility, zero fraud liability, easy online transaction, online control, worldwide acceptance, flexible credit limit, active alert facility, anytime cash withdrawal, etc. let’s discuss the card in detail.  

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above ₹25,000 monthly.
  • Good CIBIL Score (750 or more).

Required Documents:

  • 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
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: The Bank will let you know at the time of issuance.  
  • Annual Fee: ₹4,000 + GST


  • Reward benefit:

This card offers 2 reward points for each ₹100 spend within India. You will also get 4 reward points for the same on International transactions. 

These reward points can be redeemed very easily against flight tickets, hotel booking, shopping, mobile recharge, shopping vouchers, and lots more. 

  • Lost Card Liability Coverage:

This card offers zero liability against lost cards. It covers you against frauds or unauthorized transaction that happens before reporting the loss. 

  • Spend Limit:

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

  • Online Control:

RBL gives you total control over your account, with the help of the MyCard app, you can do a lot of things like bill payment, Statement checking, monitoring your activity, EMI payment, Pin set up, etc. 

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • EMV Chip Card:

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

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.  


  • Cash Withdrawal Charge: 2.5% against the amount, min ₹500. 
  • Finance Charge: 3.99% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:


  • 1800-121-9050 (Toll-Free)
  • +91-22-6232-7777
  • +91-22-7119-0900 (Super Card)


100xGain Ratings:


Final Opinion:

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

But the main aspect of the card which is reward benefit is not that much attractive, and except that there are not many benefits with this card. So I would not recommend you for this card. Instead, you can go for Simply CLICK SBI card it offers some good shopping benefits, or RBL World Safari Credit Card for travel benefits, ICICI Bank HPCL Credit Card for benefits on fuel, and if you want to earn reward points then you can go for Citi Rewards Credit Card

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