There are so many credit cards available for the customers of the RBL Bank for their uses. And the RBL Titanium Delight Credit card is one of them. This card is specially designed for those peoples who are fond of movies and like to shopping outside. When they use the card for their needs they will get cashback or gift vouchers. The key features of this card is the annual fee of the card is only 750 rupees and you can waived off this fees by your spending. After spending this small amount you can get a huge benefits with this card such as welcome gift, reward points, free movie tickets, value back, fuel surcharge waiver etc. Lets discuss about the card in details-
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.
- 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.40000 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.750 for joining fees.
Rs.7500 for annual fee. If you spend more than 1 lakhs in the 1st year the annual fees of the second year will be waived off.
No add-on card fee.
Features and Benefits of The RBL Titanium delight Credit Card:
- Welcome Gifts: If you choose this card you will get welcome gift. After paying the joining fees you will get the welcome gifts quickly.
- If you use your card in between 2 months of the issuance of the card you will get 3000 reward points worth Rs.750 as welcome gift.
- You will be able to earn 1000 reward points if you spend minimum Rs.10000 from this card in between 2 months of the issuance of the card.
- Reward Points: You will get reward points for your spending from your credit card.
- If you spend Rs.100 for any purposes of travelling, dining, groceries etc. except the fuel transaction you will get 1 reward points.
- You will get 2000 reward points after the 1st transaction of the card between 1 month of the issuance of the card and you will get extra 1000 reward points after spending Rs.10000 or more in between 2 months.
- If you spend Rs.1.2 lakhs or more annually you will get 4000 bonus reward points.
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.
- Waiver of Annual Fees: If you able to spend Rs.1 lakh or more in the first year of subscription you will get the 2nd year subscription free.
- Movies offer: If you book movies ticket from bookmyshow.com on mid week you will get 2 free tickets. You can avail this ticket on Wednesday.
- Value Back: There is so many value back offers available with this card if you use it on Wednesday. You will get 5% value back on every spending on grocery. And you will get 10% value back if you order pizza from Domino’s and Pizza Hut.
- 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.
- Fuel Surcharge Waiver: You will get extra benefits of waiver of fuel surcharge in every month. It will depends on your spending. 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.
- 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 Titanium delight 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.
- 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.1250).
Customer Care: If you want to know more about the card you can contact in this toll free helpline number 1800 121 9050.
Rating: 3 stars
Final Opinion: If you are searching for a credit card for your online shopping and movie tickets you can choose the RBL Bank Titanium Delight credit card. The world-class facilities of the card will help you to save money by its reward points and value back.