Practo Plus RBL Bank Credit Card Review

The RBL practo plus credit card stands out among the overcrowded mid-tier credit card segment because of its unique feature that offers you unlimited free doctors assistance via the complimentary practo membership. Apart from that this rbl credit card features several useful facilities like free access to airport lounges, useful health points with every transaction, and lots more. A detailed description of the rbl bank credit card benefits is given below.

Who can apply for the rbl bank practo plus card?

  • Resident Type: Indian. 
  • RBL bank card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Minimum Rs.25,000 monthly.
  • RBL credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Minimum Rs.35,000 monthly.
  • A CIBIL score of 700+ is required to apply for this rbl bank credit card.

You can apply for this card from the rbl credit card application portal. Once your application is submitted successfully, you can track your application status from the rbl credit card status tracking page. You can get some help with the RBL credit card application process from our faq page.

What documents are required to apply for an rbl 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
      • Recent audited financial report. 

As per new credit card rules, all new rbl credit cards are delivered in an inactive state. And to start using the cards you need to activate them manually by generating a new credit card PIN. You can get some information about rbl bank card PIN generation process from the 100xGain FAQ page

What are the Practo plus rbl card fees?

  • Practo Plus RBL Bank Credit Card joining fee: None. 
  • Practo Plus RBL Bank Credit Card annual fee: Rs. 2,000 + GST

What are the practo plus rbl credit card benefits?

  • Get started with a huge joining bonus:

With your rbl credit card activation, you will receive a complimentary health checkup for you and your family as a joining bonus.

  • Make your every transaction rewarding:

For each Rs.100 transaction made with this card, you will get 1 practo health point, these points can be used for healthcare services. 

  • Add comfort to your travel:

This rbl card offers you 2 free quarterly accesses to most of the major domestic airport lounges across India.

  • Enjoy a 24×7 practo online consultation facility:

With this rbl credit card, you will get a complimentary practo plus membership, that gives you unlimited free doctors consultation for you and your family via the practo app chat option. 

  • Enjoy easy bill splitting:

This card allows you to convert your high-value transactions (over Rs. 3000) into EMI. You can check your active EMIs from the rbl bank credit card app

  • Instant rbl bank credit card payment options:

You are allowed to make your rbl credit card payment online from your rbl net banking account or by using any credit card payment app like Cred, Paytm, PhonePe, Google Pe, etc. You can also use the rbl mobile app to do the same.

What are the rbl credit card charges?


Payable amount

RBL credit card cash withdrawal charge

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

RBL credit card finance charges

3.4% monthly (applicable if your rbl credit card payment is not made in time)

RBL credit card international transaction charges

3.5% against the transacted amount

RBL add-on card fee


How to contact the rbl credit card customer care department?

  • Call the rbl credit card helpline number: 022-6232-7777 or 022-7119-0900 (Super Card)
  • Write to the rbl credit card complaint email id: 
  • You can also get assistance from the rbl credit card customer care chat service called ‘RBL Cares’

100xGain Ratings:


Pros and cons of the RBL Practo card:



  • You can earn health points with every transaction.
  • This rbl bank credit card offers free access to airport lounges.
  • The annual fee is a bit high.
  • There are no dining or entertainment benefits on this card.

Final Opinion:

As a low-cost healthcare credit card this RBL practo plus card can be really helpful, especially because of its unique rewards scheme that allows you to earn health points with every transaction, and the complimentary unlimited practo online doctor consultation.

But you can’t apply for this card anymore, since RBL has discontinued this card. However, you can find several similar credit cards on our best credit cards page. You can also compare the alternative card options given below.

Alternative cards Practo Plus RBL Bank Credit Card: 

  1. BOI Mastercard Platinum International Credit Card (Best for having as a second card) 
  2. Dhani One Freedom Card (Best for Cashback and health-related benefits)
  3. IndusInd Bank Indulged Credit Card (Best for Lifestyle benefits)
  4. Apollo SBI Card (Best for lifestyle benefits)

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