Credit cards are, as a rule, a symbol of prestige and social reputation in the form of a plastic card. The more credit cards one possesses, the more reputability becomes a part and parcel of that individual
There are particular benefits and utilities that come with owning a RBL credit card. In the discussion below, we shall bear witness how all of the various features and benefits come together in a manner that brings forth an unparalleled set of advantages and use you can only have by owning RBL credit cards. We would take an in-depth glance at what the various types of cards have to offer and how they could potentially make your fiscal management an easy, convenient and disciplined method.
It is but natural to ask this question: why should one choose a RBL credit card? The answer to this can
The list of benefits includes cashbacks, discounts, flier miles and much more. Notwithstanding your lifestyle choices or the character of your spending habits, there is always a type of RBI credit card that is well suited according to your requirements. It is now possible to explore all the benefits and utilities before you can apply for the credit card, and now it is possible to apply for a RBL credit card online. If you choose an online method of application, you would be able to browse through the various kinds of cards RBL has to offer and then select the credit card of your choice. Hence, with the power of the Internet literally at the tip of your fingertips, you can now go ahead and start to look for the card that would best reflect your lifestyle choices and spending.
You can apply for RBL credit cards by two main methods: offline and online. Each method has their respecting merits and disadvantages, and thus it would warrant a careful examination of each method in order to determine what method would be most relevant to you and your preferences. In this section, our sole focus would be on offline application, its advantages and demerits and suggesting the list of things that would be necessary for you to submit with your application form, provided you have chosen this method of applying for your RBL credit card.
It is quite well known that in the era before the advent and spread of the Internet, a potential credit card holder had to physically visit the branch of the bank closest to their residence in order to submit an application of the credit card they desired to own. Even though in the present age Internet banking seems to have the dominance, many people still prefer to physically visit the bank branch in order to apply for a credit card. It is precisely for this reason that despite the vastly changed landscape, many banks still have the facility for offline application for credit cards, and RBL is no exception to this rule. The process is relatively simple: getting the prescribed form and filing it out with the relevant information, and submitting it with the necessary documents for scrutiny. The branch would sanction the credit card only after being satisfied on inspecting the information that has been provided. Eventually, the bank would mail the credit card to the applicant
The main advantage of this method of applicant lies in the fact that there is next to no chance of any kind of fraud taking place. This is because, in the first place, the applicant themselves visit the bank on their personal capacity and interact with the bank staff in person. As far as the bank is concerned, they are aware that the applicant is a bona-fide customer of the branch and that they can therefore easily verify the information that has been provided on the application form, determining whether or not the information is accurate. This actually not only establishes a relationship between the customer and the bank, but helps to further fortify that relationship as well.
The most glaring demerit inherent in the offline method is the applicant having to be actually, physically present at the bank premises in their quest for application. This inevitably involves the prospect of lining up for a queue and waiting for the opportunity to collect the application form, filling it up and then getting in another queue in order to submit along with the furnished documents. This is nothing more than a sheer waste of time and a sheer waste of energy, as well as marginalizing the priority of work that might be either important or impending in its nature. This is perhaps the sole reason why offline applications don
Nonetheless, if it is the offline method that really matches with your preference, you would normally be asked to provide three kinds of documents to substantiate the information you provide on the application form. These include a proof of identity, a proof of address and a proof of income. In India, while it is possible to fulfil the proof of identity and proof of address with an Aadhar Card, the proof of incomes varies widely for both different categories of employment and the type of card you would want to have. For salaried employees, a salary slip, a certificate of salary or a letter of employment. For self-employed individuals, a profit and loss statement or a balance sheet of their business is usually sufficient. With the advent of Aadhar, the act of establishing proof of identity and residence has now become a mere formality, the real deal lies in examining the provided proof of income. More often than not, it is the amount of your annual income that would determine the sanctioning of the credit card by the bank.
The second method of applying for a credit card involves going online and applying for it. Usually, this happens on the official website of the bank, where one can find the section involving credit cards and then apply for them by clicking on the
The main advantage of online application lies in the fact that it
However, the main disadvantage of this method lies in the inherent security threats on the Internet. Although websites of banks tend to be secure and protected by a number of counter measures, which minimize security breaches. Even so, there is no guarantee that the data you provide is going to be a hundred percent safe. Besides, the practice of phishing can further jeopardize the information you put out, and malicious activities can be committed using your own identity. Although, a number of anti-malware software are available which warn of potentially harmful websites, it never hurts to be careful.
There is a third way to apply for a RBL credit cards online and we can vouch for its smoothness, safety and security. And as if that wasn
This is a valid question in itself. After all, there are a plethora of financial websites that offer the same kind of services. What makes Chqbook different are the following:
It has a seamless navigation system that allows the user to easily navigate to the section dealing with credit cards, especially RBL credit cards and to pages that contain exciting RBL credit card offers.
The user interface is easy and very simple to understand. Anyone can easily log into the website and apply for their credit card at their own convenience.
When viewing the various credit cards that are offered by HDFC, the applicant can actually compare every aspect of these cards and themselves determine what kind of card is the best for them. A list of relevant information of the cards is listed side by side and each has been lucidly described, while spelling out any exceptions that might exist.
The steps involved in applying for a credit card are simple, and we continue to make the process more streamlined and more simplified. It doesn
Most importantly, the prospective credit card owner can get all the latest news regarding the credit cards and the Indian financial market at large. This is a significant feature of applying for credit cards at Chqbook, as now you can get to know the condition of the fiscal market before deciding whether or not you
All of these factors together contribute to the logical choice of logging on to our website and checking out various RBL credit card offers, before opting to by one. Our website is secure and we make certain that this security is not breached in any manner whatsoever. We ensure that customers visiting our site get the most benefit and do so with a sense of security and safety.
These are the approaches through which you can now apply for RBL credit cards online. We especially recommend that you make your application through our website as it puts you in a position of verifying and examining all the information regarding the available RBL credit cards.
All RBL credit cards have certain common benefits and features, irrespective of any particular feature that specific card type might have. In this section, we shall take a look at these features that every RBL credit card has and also elucidate on the benefits that you might get own possessing one:
All the RBL credit cards can be used both within and outside of the political boundaries of India. So, you can carry your card anywhere in the world and yet be able to use them at any place and any time, especially if you are on a plan of international travel.
All RBL credit cards come with the balance transfer feature. This means that when you opt for a new credit card with a low rate of interest, you can transfer the outstanding balance on your existing RBL credit card to another card issued by another bank or financial corporation.
You can convert your monthly transactions into monthly instalments, or EMIs. You have the freedom to not only set the tenure within which you can pay off the EMI amount but also, the bank may offer very attractive interest rates, or none at all, depending on the type of card you are presently using.
You can use your RBL credit cards to pay off your frequently incurring expenses or utility bills. You can either use your credit card by physically swapping it or by providing its details online, on the website of a service for which you
Most cards by RBL either have a joining fee or an annual fee. Basically, joining fee is the amount a new cardholder has to pay on getting their credit card sanctioned. In case that a joining fee does not exist for a certain kind of card, it could have an annual fee whereby customers need to pay a certain amount in order to subject their credit through an annual renewal. Depending on the kind of card you own, the joining fee or the annual fee may accordingly vary. In the case of some cards, the banks might declare them to be free for as long as you own them.
In the event of a fraudulent transaction, the bank will offer a liability coverage that would protect you from any loss of money resulting from such a transaction. This can only happen when you have reported the nature of this transaction to the bank authorities.
You can use your RBL credit card to access ATMs and withdraw money from there. The bank would normally charge a small fee for this service, but this service allows you to withdraw money from anywhere in the world, especially when you need the cash very urgently.
If you require any kind of help with your credit card, RBL has made available a phone service where you can call and clear your doubts and queries regarding your credit card, or make suggestions and complaints about your credit card experience.
The most important feature of all the credit cards RBL has to offer is the wide variety of payment options for paying your EMI. You may use NEFT, net banking or cheques to pay your EMI amount to the bank when the time comes to pay the outstanding balance for the month.
Now that we have looked at the common features of all RBL credit cards, it is now relevant to have a glance of the benefits all the credit cards by HDFC have in common. The list is as follows:
Almost all the credit cards have reward points associated with them. These points are awarded when a certain amount of money has been spent on using the card, and the number of points so gained tends to be fixed. RBL credit card reward points tend to be different for different cards and the amount on whose spending these points are awarded vary from card to card as well. These reward points can be redeemed for gifts, discounts and flier miles.
For a certain amount of money spent using your credit card, you can get cashback offers on select RBL credit cards, the amount for which you can get back a certain amount of cash is usually determined by the bank.
Credit cards by RBL that are exclusively used for travelling purposes have an attached travel insurance scheme with the. So, on going to a journey, you can rest assured that your dependents and relatives would be financially safe in the case of any kind of accident.
In case you are travelling by road, your credit card is eligible for a fuel surcharge waiver by RBL. This means that upon spending a particular amount of fuel, per month, the cost on the fuel is paid by the bank itself. This facility is available on all petrol pumps within the territory of India.
Finally, if you possess RBL credit cards, you have the ability to apply for add-on cards for your immediate family members. The main advantage on this is that the benefits and features that you enjoy on the primary card is available on the add-on cards, as well.
These are the features and benefits that are common to all extant RBL credit card types and they are available on all the credit cards the banks have to offer. There are specific features and benefits unique to individual cards, and they can be compared pretty easily to arrive at a more definitive decision as to which kind of card would suit you the best and to what ends can it be used. Thinking these out is very, very important as you would have to continuously use your card to reap all the benefits that are mentioned in the above list.
As far as eligibility is concerned, they are different for different card types. It purely depends on the applicant
|Different Types of RBL Bank® Credit Cards and Types||Joining Fee||Annual Fee|
|RBL™ Bank Titanium Delight Credit Card||750||750.00|
|RBL™ Bank Movies and More Credit Card||1000||1000.00|
|RBL™ Bank Platinum Delight Credit Card||1000||1000.00|
|RBL™ Platinum Maxima Credit Card||2000||2000.00|
RBL has created a wide range of credit cards that cater to the needs and requirements of everyone. Whether you are a common person or a business tycoon, or just someone who loves to travel and experience everything that the world has to offer, there is a RBL credit card for everyone. Here we list various RBL credit cards along with their corresponding features and benefits listed side by side:
RBL Movies and More Credit Cards: Involves a welcome gift of four free movie tickets that is worth 1,000 rupees and a joining fee of 1,000 rupees.
RBL Platinum Delight Credit Card: Has a welcome gift of 4,000 reward points and double the amount of reward points accorded to the cardholder on weekends. Has a joining fee of 1,000 rupees.
RBL Titanium Delight Credit Card: You can get two movie tickets on BookMyShow once a month, on a Wednesday. Has a joining fee of 750 rupees.
RBL Platinum Maxima Credit Card: Two complimentary visits every quarter at domestic airport lounges. Has a joining fee of 2,000 rupees.
No matter how much you may have researched and studied about the different kinds of RBL credit cards that are available, it is natural to still have a certain amount of lingering doubt inside. So it is okay if you have not understood anything, and so for that reason we have maintained the Frequently Asked Question section, where you can post a question of your own or get to see the answers we provide to those who have had the same questions as you currently do. As far queries for RBL credit cards go, they tend to revolve around either general questions or on the specific RBL credit card types that a customer would want to compare and then apply for it. General questions involve queries like the grace period available for various credit cards that are brought forth by RBL, or the process by which the EMI is calculated while including the amount of interest
On the other hand, the second category of FAQs revolves around specific credit card types that are issued by the bank and the various features and benefits that are associated with them. Mostly, these questions involve understanding the particularities of these features and advantages of these cards, and the answers provided offer a more detailed description of the characteristics in as simple as a manner as possible, so that even the common man can understand what the various credit cards by RBL have to offer to prospective customers. Sometimes, these questions also cater to the calculation of discount percentages that certain lifestyle and travelling cards come with. The bank provides detailed information so that the customers can know what they would be able to pay through their credit cards, lest they decide to use them to avail various commercial benefits in the lifestyle and travel sectors.
To conclude, we have taken a look at the various aspects of RBL credit cards and we have laid out the various techniques with which you can apply for a RBL credit card, both offline and online. We have presented the general benefits and features common to all the credit cards and we have discussed certain types of credit cards that the bank has to offer and the specific features that are associated with them. Armed with this information, we are confident that you can get to choose the best credit card that is promoted by HDFC bank.
Customers are offered complimentary KFC vouchers or Pizza Hut vouchers worth Rs. 300 every month.
The RBL Platinum Delight Credit Card rewards first time or new credit card users with enough points to make it save more than the fees every year. We also loved the 2x Rewards on the weekends, the fuel surcharge waiver and getting to earn 1000 Bonus Rewards points every month
The RBL Bank Titanium Delight Credit Card delivers on Shopping & Dining benefits. It's also great for booking movie tickets and has a good Rewards system. RBL Bank's website has an extensive redemption platform from where you can book Flights, Hotels, buy Mobile Phones and shop for hundreds of other items
The RBL Platinum Maxima credit card is a must for movie-goers & frequent travellers. It has a great Rewards program and also gives you free movie tickets every month. This card is an all-rounder with reward points on shopping, flights & almost all other categories of spends.