RBL Platinum Delight Credit Card Review

If earning reward points with every transaction seems beneficial to you, then you would love the rbl platinum delight credit card. The awesome rbl platinum delight credit card features include assured rewards with every transaction, handsome monthly waivers on fuel surcharges, and lots more. A detailed description of the rbl delight platinum credit card offers is given below.

How does the rbl platinum delight credit card eligibility work?

  • Resident Type: Indian. 
  • RBL bank 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: The annual income tax return should be greater than Rs.3 lakh.
  • A CIBIL Score of 700+ will help you to get a higher rbl platinum delight credit card credit limit.

What documents are required to apply for the rbl platinum delight credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photograph
  • 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.

As per the credit card new rules, all new rbl credit cards are delivered in an inactive state, and to start using them the cardholders need to generate a new credit card pin. You can find more about the RBL credit card pin generation process from the 100xGain FAQ page.

What are the rbl platinum delight card fees?

  • RBL platinum credit card joining fee: Rs.1000 + GST
  • RBL platinum delight credit card annual fee: Rs.1000 + GST

What are the rbl platinum delight credit card benefits

  • Get started with a huge joining bonus:

On making a successful transaction using your rbl delight platinum credit card within the first 30 days of activation, you will get 4000 bonus rbl credit reward points as a welcome gift.

  • Make your transactions more rewarding:

The rbl platinum card reward points are offered like this.

Category of transaction

RBL points for every Rs.100 spend

Transactions made on weekends

4 rbl credit card reward points 

Transactions made on weekdays 

2 rbl credit card points 

On performing 5 transactions(Rs.1000 each) in an rbl credit card billing cycle

1000 bonus rbl bank rewards points

Click here to know more about the rbl reward points redemption options.

  • Get freedom from rbl credit card fuel surcharges:

This rbl platinum card offers up to Rs.150 monthly waiver on fuel surcharges across all fuel stations in India. The transaction amount should be between Rs.500 to Rs.4,000.

  • Complimentary lost card liability coverage:

This platinum delight rbl credit card comes with complimentary lost card liability coverage. So, if your card ever gets lost or stolen, then you just have to report it by calling the rbl bank credit card helpline number and you will no longer be liable for anything wrong that may happen to your card.

  • Make your rbl platinum delight credit card lifetime free:

On spending Rs.1.5 lakh within a year, you will get a complete waiver on your next year’s RBL platinum delight credit card annual fee. You can keep track of your credit card usage from your rbl credit card net banking account,

  • Instant rbl credit card bill payment options:

You can make your rbl credit card payment online via net banking account or by using any credit card bill payment app like Cred, Paytm, PhonePe, Google Pe, etc. 

  • Advanced security arrangements:

This rbl delight credit card is equipped with an advanced EMV chip, these chips use a robust encryption method to store your credit card info, making your rbl bank card nearly impossible to clone.

What are the rbl platinum delight credit card charges?


Payable amount

RBL bank credit card cash withdrawal charges

2.5% against the amount, min Rs. 500 (check your rbl credit card credit limit before making a withdrawal)

RBL delight credit card finance charge

The rbl bank credit card interest rate is 3.99% monthly (applicable even if the minimum amount due for credit card is paid within time)

RBL credit card international transaction charges

3.5% against the transaction amount.

RBL delight credit card add-on care fee

Free for a lifetime

How to contact the rbl bank credit card helpline department?

  • Call the rbl credit card customer care toll free number: 022-6232-7777 or 022-7119-0900 (Super Card)
  • Write to the rbl bank credit card complaint mail id: cardservices@rblbank.com 

100xGain Ratings:


Pros and cons of the rbl bank platinum delight credit card:



  • The rate of earning rbl credit card points is quite impressive.
  • This rbl platinum delight credit card offers a handsome monthly waiver on fuel surcharges.
  • There are no dining or entertainment benefits on this platinum delight credit card.

Final Opinion:

Hopefully, this rbl bank credit card review has helped you to understand this card better. If you are searching for a credit card for your daily shopping transaction you can choose the RBL Bank platinum delight credit card. The world-class facilities of the card will help you to earn some handsome savings every month.

But if you are looking for benefits like lounge access, or free movie tickets then I would not recommend this RBL delight card. In this case, you can take a look at the alternative card option given below. 

Alternative cards of the rbl delight credit card: 

  1. Citi First citizen Credit Card. (Best for reward points and benefits on travel)
  2. Kotak Mahindra Solaris Platinum Credit Card (Best for reward points and fuel surcharge waiver) 
  3. Tata Titanium Card (Best for reward points)


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