RBL Bank has a lot of credit cards that offer a lot of features and benefits. RBL Moneytap black credit card is also this kind of credit card which offers many extraordinary features and benefits. The card is specially designed for reward points which can be easily earned through shopping, purchasing fuel, bookings of movie tickets, and bookings of tickets for traveling, etc. The other facilities of this card are welcome gift, movies offer, airport lounge access, Milestone benefits, fuel surcharge waiver, etc. You can know the benefits more if you read this thoroughly. Let’s discuss about it-
Eligibility Criteria: To apply for this card you have to maintain these following criteria-
- Age: The age of the applicant should be 21 years and the age of the applicant should not be more than 60 years.
- Occupation: The applicant should be salaried or self employed.
- Citizenship: Applicant should be an Indian citizen. The non resident Indian can also apply for this card.
- Income: The income of the applicant should be healthy. The income should be minimum Rs.20000 per month.
Required Documents: You have to provide identity proof, address proof, income proof to the bank.
- Identity proofs: Aadhaar card, PAN card, ration card, driving licence, voter card, passport, job card, etc.
- Address proof: Ration card, voter card, Aadhaar card, passport, any utility bill, document of property, job card etc.
- Income proofs: Last 3 month’s bank statement, salary slip of last 3 months or any document of income.
- PAN card
You have to submit self attested Photocopy of any of this documents with the form of application.
Rs.3000 + taxes for joining fees.
Rs.3000 + taxes for annual fee.
No add-on card fee.
Features and Benefits of The RBL Bank Moneytap Black Credit Card:
- Welcome gifts: You will get a welcome gift if you choose this credit card. After paying the joining fees you will get it. You will get 12000 reward points as welcome gift. You will be eligible for this if you paid the total amount of joining fees. You have to transact minimum one time between first month of the issuance of the card. You will get the gift in between two months.
- Reward points: You can earn reward points for spending on dining, travel, grocery, bill payments, and all other spendings.
- If you spend Rs.100 for travelling, dining, shopping in grocery, bill payments you will get 2 reward points every time.
- If you spend Rs.100 for all other online shopping you will get 10 reward points.
The maximum limit of the earned reward points is 500 per month. There is no reward points if you spend for purchasing fuel.
- You can earn maximum 1000 reward points per month if you transact Rs.1000 or more per month.
These reward points are redeemable and you withdraw this reward points for hotel booking, tickets bookings of flight, purchasing electronics products. To redeem these reward points you have to log in to the RBL’s official website. You also use this reward points for airline which are Indigo, Air Asia, Vistara, Spicejet etc. The available hotels are The Lalit Green Easter in Kolkata, welcome hotel in Delhi, Sterling Mac in Bangalore, etc.
- Milestone Benefits: If you transact more than Rs.2.5 lakhs you will get 8000 reward points and if you spend more than Rs.4 lakhs you will get extra 8000 reward points.
- Movies offer: If you book movies ticket from bookmyshow.com you will get 10% discount of maximum Rs.100. You can avail this offer maximum 15 times per year. You can use this facility any day of the week.
- Airport Lounge Access: You will get 4 airport lounge access per year with this card. You can visit one time per quarter to the lounge.
- Fuel Surcharge Waiver: You will get extra benefits of waiver of fuel surcharge in every month. It will depends on your spending. You can save maximum Rs.100 per month. You have to transact between Rs.500 to Rs.4000 to claim this offer. You can avail this offer from any petrol pump in India.
- Lost Card Liability: If you lost your credit card you have to report to the customer care to avail this offer. Bank will provide you a lost card liability protection if any transaction occurred after the losing of the card. The Bank will immediately block the card. You will get a card protection plan from the bank if you lost your card.
- Security system: There is a EVM chip inside the card which made the card more secure. This will provides security in your all transaction.
- Add-on Card: The bank will provides you add-on cards for your family members ( spouse, children, parents, siblings). The add-on cardholders should be 18 years old to use this card. They will get the same benefits as the primary card. The statement of the add on cards will include in the primary card’s statements.
How to Apply:
If you want to apply for the RBL Bank moneytap black credit card you have to visit the website of the bank. At first you have to submit the application form with the documents. After that you will get a phone call from the RBL Bank agent. He will discuss about the date and time for collection of the documents. After this process you will get your credit card in between 15-20 days.
You will be able to apply for the credit card to yours nearest branch of the Bank. The required documents are required here also. You will be guided by the bank official.
Credit card Bill Payments: Your credit card bills can be paid through various ways via online. There is also offline mode available for payment of your credit card bill.
You can pay through-
- Net Banking
- RBL Mobile Application
- NACH facility
- Cash payments
- Demand Draft etc.
- Finance charge 3.5% per month and 42% per year
- Rs.0 for card replacement charge
- Cash advance fees 2.5% of the amount ( minimum Rs.500).
- Rs.600 for Over limit charges
- Foreign currency mark-up charge 3.5% of the amount.
- Cash payment charge Rs.250.
- No credit free period.
- Cash withdrawals charge 2.5% of the amount (minimum Rs.300)
- Late payment charges- 15% of the total due amount (minimum Rs.50 and maximum Rs.1000).
Customer Care: If you want to know more about the card you can contact in this 24×7 tollfree helpline number 1800 121 9050.
Email id: [email protected]
100X Gain Rating: 4 stars.
Final Opinion: This card will make your life easier. You can use the Moneytap app for transferring money to the Bank. You can be a elite person by using this card for its reward points facility which helps you to save.