A Quick Guide On RBL Bank Credit Card A Quick Guide On RBL Bank Credit Card - Hub spot News
A Quick Guide On RBL Bank Credit Card

A Quick Guide On RBL Bank Credit Card

A credit card is a convenient tool for instant purchasing power and additional benefits. You also receive rewards for using your credit card, adding to the overall benefits and savings. It helps you to buy high-value items at almost no extra charges.

RBL credit cards offer all the benefits that you need from a credit card and more. Applying is easy — log into the RBL website, select your card and complete your online credit card application.

Each person is unique and has specific needs. With this in mind, RBL offers different types of credit cards to suit its customers’ varied lifestyle patterns. You get various rewards and incentives as you use your card to pay for goods, services, and utility bills.

Types of RBL Credit Cards

RBL Bank offers various credit card options, tailor-made to your specific lifestyle needs. You can opt for the card that best suits your spending patterns and fund requirements:

  • Platinum Maxima Credit Card

When you first get your RBL Bank Platinum Maxima credit card, it comes with 8,000 reward points. For each ₹100 spent, you get two points. Using your card to purchase goods and services for a value of more than ₹2 lakhs in a year will fetch you 10,000 points.

You can earn another 10,000 reward points once your annual spending crosses ₹3.5 lakhs. Hence, you can get up to 20,000 reward points a year.

  • Shoprite Credit Card

You can use this card for daily expenses with some fantastic rewards and benefits. First, you get a 10% discount on movie tickets and a 5% cashback value on your groceries. You also get a 2.5% value back on fuel bills.

When your Shoprite card first gets activated, it comes with 2,000 reward points. Like all RBL Bank credit cards, you have to apply online, and you will be charged an annual fee of ₹500 for your Shoprite card.

  • YOUnique Credit Card

You get to choose your benefits on your YOUnique credit card, and you can modify them every year. It’s a very versatile card, giving you the facility to convert all your purchases above ₹3,000 into easy EMIs on RBL’s MyCard app.

Furthermore, you can transfer outstanding dues on other banks’ credit cards to your YOUnique card on low-interest rates and easy EMI installments.

The optional product offers on this card include cash value on flight tickets, airport lounge access, movie tickets, dining at select restaurants, groceries, and online shopping. These offers are charged annually and vary from ₹199 to ₹799, depending on the option you select.

How to Apply?

If you are wondering how to get a credit card online from RBL Bank, the process is quick and easy. Visit RBL’s official website and check the features and benefits of each card. You can click on ‘Apply Now’ to submit the online application form. If you are eligible, you can submit the application successfully. The bank representative will contact you to complete KYC using either Aadhaar OTP, OKYC, the Biometric KYC process, or Video KYC.

Once your KYC verification has been completed, you will get a temporary account number which changes automatically to a permanent one. Once you receive your permanent account number, you can start using your card.


You need to be between 23 to 60 years of age, and your monthly income should be at least ₹25,000 per month. You need a good credit score to qualify for a card, and there should be no defaults on the credit card or loan repayments.

RBL Bank credit cards offer you the freedom to use the available credit line as per your terms and desires. All the cards are packed with offers and reward points to help you maximize the savings with every rupee spent.


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