RBL Platinum Delight Credit Card Review

RBL Bank launches so many credit cards for their customers for their uses. And the RBL Platinum Delight Credit card is one of them. If you are a movie lover and you like to shop online and want a reward or Cash-Back on your every transaction then this card is more suitable for you as it has so many offers and rewards. The card has some special rbl platinum delight credit card features and offers like a welcome gift, reward points, annual spend benefits, fuel surcharge waiver, zero lost card liability, etc. Let’s talk about the rbl delight platinum credit card offers briefly-

RBL Platinum Delight 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) will help you to get a higher rbl platinum delight credit card credit limit.
  • Good relation with the bank.

Required Documents To Apply For RBL Platinum Delight 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.

As per the credit card new rules, all new 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.

RBL Platinum Delight Credit Card Fees:

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

RBL Platinum Delight Credit Card Benefits

  • Welcome benefit:

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

  • Attractive rbl credit card rewards point scheme:

The rbl platinum delight credit card offers you reward points for almost every transaction made using this card. The details are given in the table below. 

Category of transaction

Total rewards

For spending Rs. 100 on weekends

4 rbl credit card reward points

On spending Rs. 100 on weekdays

2 rbl credit card reward points

On performing Rs. 1000 transactions with your card for a minimum of 5 times in a month

1000 bonus rbl credit card reward points.

These reward points are redeemable and you withdraw these reward points for hotel booking, ticket bookings of flight, purchasing electronics products.

To redeem these rbl credit card points you have to log in to the RBL’s official website. You can also use these reward points for airlines 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. You can also use the rbl points to get a product from the rbl credit card reward points catalog. 

  • Fuel surcharge waiver:

With this rbl platinum card, you can save up to Rs. 150 per rbl credit card billing cycle on fuel surcharges. You can avail of this offer from any petrol pump in India. You have to transact between Rs.500 to Rs.4000 to claim this offer. 

  • Lost card liability:

If you lost your platinum delight rbl credit card you have to report to customer care to avail of this offer. Bank will provide you a lost card liability protection if any transaction occurred after losing the card. The Bank will immediately block the card.

  • Milestone benefit:

If you can spend Rs. 1.5 lakh within a year, then the annual fee of the card will be waived off for the next year. So if you want to turn your card into a lifetime free credit card then you just have to keep spending Rs. 1.5 lakh per year. 

To keep your monthly credit card usage within a limit, you can set your own rbl bank platinum delight credit card limit using the RBL credit card netbanking account you can also check your rbl platinum delight credit card status from there. 

  • Security:

There is an EVM chip inside the card which made the card more secure. This will provide security in your all transaction. 

But fraudulent transactions can happen anytime, so if you notice something suspicious on your rbl credit card statement then you should inform this immediately by calling the rbl bank credit card helpline number. You can download rbl bank credit card statements anytime from your rbl credit card net banking account

  • Easy application process:

If you want to apply for the rbl bank platinum delight credit card you have to visit the website of the bank. At first, you have to submit the application along with the documents.

After that, you will get a phone call from the RBL Bank agent. He will discuss the date and time for the collection of the documents. Once the process of credit card application is complete, you will get your credit card in between 15-20 days.

You can apply for the rbl delight credit card from your nearest RBL branch. You will be guided by the bank’s officials. Once your application is submitted successfully, you can track your rbl platinum delight credit card application status from the rbl card application status tracking page

  • Convenient rbl credit card bill payment options:

You can make your rbl credit card payment online via net banking or by using any credit card payment app. But if you don’t have access to rbl credit card online payment options then there are some offline options available for you including NEFT, NACH facility, Cash payments, Cheque, Demand Draft, etc. 

RBL Platinum Delight Credit Card Charges:


Payable amount

RBL bank credit card cash withdrawal charges

2.5% against the amount, min Rs. 500.

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)

Foreign currency transaction

3.5% against the transaction amount.

RBL delight credit card add-on care fee

Free for a lifetime.

RBL Bank Credit Card Helpline Contact Details:

  • 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:


If you don’t want to continue with your existing card and close rbl credit card account then feel free to take a look at the 100xGain FAQ page

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 save money with its reward points. Thus you will be a delightful person.

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

Alternative Cards: 

  1. Citi First citizen Credit Card. (Best for offering reward points and benefits on travel)
  2. Kotak Mahindra Privy League Signature Credit Card. (Best for reward point’s dining and lounge access benefits)
  3. Kotak Mahindra Solaris Platinum Credit Card. (Best for reward points and fuel surcharge waiver) 
  4. Tata Titanium Card. (Best for offering value back and reward points)

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