RBL Practo Plus Credit Card Review

RBL Practo Plus Credit Card is a MasterCard credit card from RBL Bank of India. This card is specially designed to meet your medical needs. This card is a collaboration of RBL with Practo. With this card, you can enjoy a lot of health-related benefits like – Anytime Doctor Consultancy, A complete health check-up as a welcome gift, lounge access, Reward points on your daily expenses, add-on facility, Lost card assistance, and lots more. Let’s discuss the card in detail and see if the benefits offered by the card can justify the annual fee or not. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Minimum ₹25,000 monthly.
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Minimum ₹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
      • Recent audited financial report. 


  • Joining Fee: None. 
  • Annual Fee: ₹2,000 + GST


  • Welcome benefit:

With the activation of the card will get a complete health check-up package as a welcome gift, it covers you and your family. 

You don’t need to go to the clinic for a check-up the samples will be picked up from your home. 

The test includes Thyroid Profile, Vitamin, Diabetes, Blood count, Iron deficiency, etc. 

You can also get the E-reports within 24 hours. Tests will be done in NABL & CAP-affiliated labs.

  • Health points:

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

  • Lounge access:

This card gives you 2 free accesses to most of the domestic lounges in India. You will get a maximum of 2 free accesses per quarter.

  • Healthcare Benefits:

With this card, you will get your family physician. You can consult with your doctor anytime. You can contact your doctor through video calls, phone, or even through text. RBL assures you to keep your conversation with the doctor private. This feature covers you and your family too. 

  • Lost card assistance:

You can get assistance from RBL against lost or stolen cards. If your card is lost or stolen, you can call RBL customer service and block your card immediately. 

  • 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.

  • EMI facility:

With this card, you can convert your purchase of over ₹3000 into EMI. This feature is very helpful for frequent shoppers. 

  • 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.

  • 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.  

  • EMV Chip Card:

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


  • Cash Withdrawal Charge: 2.5% against the amount, minimum ₹300.
  • Finance Charge: 3.4% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount.

Contact Details:


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


100xGain Ratings:


Final Opinion:

If you want a healthcare credit card, then this card can be an option for you. it offers free health check-ups as a welcome benefit, lounge access, free doctor’s consultation, free health points on every spend that you can use later for healthcare categories, etc. 

But if you are looking for awesome benefits and big rewards, then you will be disappointed with this card. So I would not recommend you this card, instead, you can go for Apollo SBI Card

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