RBL Credit Card Review – An Updated Guide

The RBL bank has a great range of credit cards with varying benefits. This article attempts to perform an RBL credit card review of cards offered by the bank and suggest the best ones for the reader. Starting in 1943, Ratnakar Bank Limited (RBL) has grown leaps and bounds to emerge as one of India’s leading banks operating in the private sector.

RBL has over 40+ credit cards for its customers to choose from. With a wide range of premium and daily use credit cards, this article has performed an RBL credit card review to allow its reader to make the best choice.

Different Credit Cards: RBL Credit Card Review 

Based on user inputs and RBL bank reviews, we have prepared a holistic review of the best RBL credit cards.

RBL Bank ShopRite Credit Card

This is a relatively recent market entrant,  the RBL ShopRite credit card has received a great response from its users. With a joining fee of ₹ 500, this card is beneficial for those who are into shopping, whether online or offline.

Rewards and points

• Rewards are in the form of reward points, with each reward point having a value of 0.25 per rupee.
• These reward points are redeemable on the RBL website for flight ticket bookings, shopping, and hotel bookings.
• 10 points are rewarded every time a transaction of ₹ 100 is made towards buying fuel. On the RBL website, for making purchases of goods and services and hotel reservations can use these reward points.
• 20 points are rewarded for purchases of ₹ 100 and above towards grocery shopping, and one reward point is rewarded for any other purchase.
• A big bonus for customers, 2000 reward points are there upon activation of the card as a welcome benefit. 

Miscellaneous

• Waives on spending ₹ 1 lakh in a year, the annual fee of ₹ 500.
• ShopRite offers a foreign currency markup of 3.4%
• A special discount is provided on the BookMyShow app and website for buying movie tickets. A 10% discount is there on these tickets with an upper limit of 15 tickets a year.

Shortcomings

• For redeeming reward points, the customer must pay a fee of ₹99 plus 18% GST.
• Apart from shopping, the ShopRite credit card offers no other benefits, such as lounge access or insurance covers. There are no travel benefits as well.

Visit: RBL Bank ShopRite Credit Card

See also: Bulk Credit Card Generator – Valid Credit Card Generator & Validator

RBL Bank Cookies Credit Card 

One of the most commonly used credit cards, This card owes its popularity to its pocket-friendly annual fee of ₹ 100. RBL Bank Cookies Credit is a go-to card for those who have just started earning and making day-to-day transactions online towards shopping or food delivery apps.

Rewards and points

• Similar to ShopRite, this card too offers reward points having a value of 0.25 per rupee.
• An online transaction of over ₹100 gives back five reward points, while an offline transaction of the same value gives back a single point. 

Waivers

• This card waives your annual fee if you spend $5,000 or more within a month of activation.
• A 1% fuel surcharge waiver is offered upon spending anywhere between ₹ 500 to ₹ 4000 at any fuel station.

Miscellaneous

• Purchase within the first month of activation gives you vouchers worth ₹ 1000 from top brand partners such as Myntra, Amazon, and Flipkart. Vouchers of the same value are also provided if you spend ₹ 1 lakh or more in a year.
• Vouchers worth ₹ 5000 are provided from top brand partners if ₹ 5 lakh or more is spent within a year.
• With an upper limit of ₹ 300 per month, this card offers a 10% discount on movie tickets booked via the BookMyShow app or website. A similar discount is there on the app Grofers.
• With an upper limit of ₹300 per month, a 10% cashback is offered on brands such as Zomato, Uber, and Myntra.

Shortcomings

• No benefits for travel or lounge access.
• No insurance cover is provided.
• Every discount offered has an upper limit/cap applicable per month.
• For redeeming reward points, the customer must pay a fee of ₹99 plus 18% GST.

Visit: RBL Bank Cookies Credit Card

See also: Valid Visa Credit Card Generator | Generate Unlimited Visa Card Number

RBL World Safari Credit Card

Primarily made for traveling purposes, This card has a higher joining fee of ₹ 3000 plus 18% GST. As the name suggests, having this card in your wallet can get you many rewards if you choose to go on a safari around the globe.

Rewards and points

• Rewards are offered as travel points.
• 2 travel points are awarded for every ₹100 spent on general purchases, and five travel points are awarded for every ₹100 spent on travel-specific purchases.
• A whopping 10,000 bonus points are provided on spending ₹2.5 lakhs or more in a year, and another 15,000 bonus points are awarded if your spending crosses ₹5 lakhs or more in a year.
• Like all other cards, various categories available on the RBL website can redeem these points.

Travel-Specific Benefits

• 2 complimentary lounge visits are provided in a quarter for domestic travel, and two complimentary visits are provided in a year for international travel.
• International lounge access requires a Priority Pass.
• Upon activation, a voucher worth ₹3000 is provided from MakeMyTrip, which must use within a month.
• Vouchers worth ₹10,000 are also provided from Taj Experience and MakeMyTrip when your annual spending crosses ₹7.5 lakhs or more.
• This card offers insurance coverage of close to $50,000, covering medical expenses and other such aspects falling under its ambit applicable in foreign countries.

Miscellaneous

• A rare benefit offered by this card is zero foreign currency markup fee on any international transaction.
• 4 complimentary golf lessons and golf games are provided in a year with a 50% discount on green fees.
• Any transaction between ₹500 to ₹4000 done in a fuel station across India results in waiving the 1% surcharge. The cap set for this is ₹250 per month.

Shortcomings

• For redeeming reward points, the customer must pay a fee of ₹99 plus 18% GST.
• Once all complimentary lounge visits using Priority Pass have been exhausted, a fee of $27 per person per visit is levied.
• No travel points are there for international transactions.
• Considerable high annual fee.

Visit: RBL World Safari Credit Card

See also: Valid MasterCard Credit Card Generator | Unlimited MasterCard Number

RBL Bank Insignia Preferred Banking World Card

Falling under the premium category of RBL, This card is exclusively only for Insignia Preferred Members, and a prior application has to be submitted to the relationship manager. It comes with a zero joining fee.

Rewards and Points

• Every purchase done domestically above ₹100 gives you back five reward points, while every purchase of a similar value done internationally gives you back ten reward points. For shopping, hotel, flight, and other purchases can redeem these points.
• The card is partnered with the best brands giving you options such as Armani, Vero Moda, and Paul Smith. 

Travel Specific Benefits

• Not just affiliated to RBL, you get domestic lounge access to all lounges partnered with MasterCard. 2 complimentary visits are permissible per quarter.
• A Priority Pass member stands the chance of getting six complimentary visits to international lounges with this card.
• Various benefits are provided for hotel bookings via leading partners such as Club Mahindra and Intercontinental Hotels Group.

 Miscellaneous

• A monthly offer of big discount of ₹500 is on movie tickets booked via BookMyShow.
• Brands such as Croma, Titan, and Myntra offer vouchers worth ₹8000 on an annual spend of ₹8 lakhs.
• 12 complimentary golf lessons are provided in a year with a 50% discount on all lessons post the complimentary period.
• Any transaction between ₹500 to ₹4000 at a fuel station across India results in waiving the 1% fuel surcharge. A cap of ₹250 per month is present on this.
• Unlike other RBL cards, this card comes with a zero-reward redemption fee.
• A seamless and unique concierge service is provided with a help desk set up specifically for cardholders.

Shortcomings

• A foreign currency markup of 3.5% is levied on international transactions.
• Becoming an Insignia Preferred Member takes time.

Visit: RBL Bank Insignia Preferred Banking World Card

See also: Dummy Credit Card Generator – Valid Credit Card Generator & Validator

RBL Bank Popcorn credit card 

The last card in this article of RBL credit card review, this card is for all the cinephiles who love to hop to the nearest theatre and enjoy a movie over a bucket of popcorn. With a joining fee of ₹1000 plus 18% GST, this card comes with many movie-specific benefits and cashback offers.

Rewards and points

• Monthly spending of ₹5000 gives you back two movie tickets or a cashback of ₹500, whichever is of a higher value.
• Weekly spending of ₹2500 gives a cashback of ₹25.
• Any transaction made within a month of activation will give you four complimentary movie tickets (having an upper limit of ₹1000) booked via BookMyShow.

Miscellaneous

• A 1% waive off of fuel transactions anywhere between ₹500 to ₹4000 is provided with a cap of ₹100 per month.

Shortcomings

• A foreign currency markup of 3.5% is levied on international transactions.
• For redeeming reward points, the customer must pay a fee of ₹99 plus 18% GST.
• No benefits for travel or lounge access.
• No insurance cover is provided.
• Every discount offered has an upper limit/cap applicable per month.

Visit: Popcorn Credit Card

See also: Credit Card Validator | Real Online Credit Card Verification & Validation (cardgenerator.io)

Frequently Asked Questions (FAQs)

Conclusion

The biggest question still boggling your mind would be, “Is RBL credit card good?” Well, this RBL credit card review has opened pandora’s box, and you can see the pros and cons of an RBL credit card. All credit cards offer plus points, and so do RBL credit cards. Factors that support RBL credit cards are the decent user inputs and RBL bank credit card review of a wide customer base. Further, RBL offers an exhaustive list of card options for a user to choose from. They can range from pocket friendly to premium and travel-specific to rewarding.