Is there a joining fee?

Yes, joining fee of ₹1,000 is applicable at issuance.

How do I get the welcome bonus?

4,000 reward points are provided on the first swipe (conditions apply).

What is the base reward rate?

You earn 2 reward points for every ₹100 spent (base rate).

Are there accelerated rewards?

Yes—4 reward points per ₹100 on weekend spends (subject to bank caps).

How do I get an annual fee waiver?

Annual fee waiver is available on meeting the bank's eligible annual spend threshold (refer to bank terms).

Credit Cards/RBL Bank/RBL Platinum Delight Mastercard Credit Card

RBL Platinum Delight Mastercard Credit Card

RBL Bank

Last updated: Feb 03, 2026

fuel grocery restaurants e-commerce

Annual Fee

₹1,000

Joining Fee

₹1,000

Forex Fee

1.5%

Lounge Access

No lounge access

An entry-to-mid-level rewards card from RBL Bank that gives accelerated points on weekends and steady base points on all spends. It includes monthly bonus opportunities, a fuel surcharge waiver, and easy redemption via RBL Rewards. Best suited for cardholders who want simple points accumulation and periodic bonus benefits.

Features of RBL Platinum Delight Mastercard Credit Card which makes it unique

Monthly Bonus Engine

Bonus reward points for frequent small spends

Encourages regular use

Better monthly bonus opportunity vs basic cards

Fuel Surcharge Waiver

Surcharge waiver on petrol purchases

Reduces fuel cost

Useful for regular drivers

Rewards Structure of RBL Platinum Delight Mastercard Credit Card

Base

base

All merchants

Reward Rate:2 pts/₹100

Monthly Cap:No monthly cap

Standard earn rate on weekday spends.

Weekend

accelerated

Weekend transactions

Reward Rate:4 pts/₹100

Monthly Cap:May be capped per month as per bank

Higher earn rate on weekends.

Monthly Bonus

base

5 transactions of ₹1,000+ in a calendar month

Reward Rate:1,000 bonus pts

Monthly Cap:1,000 pts/month

Bonus credited monthly on meeting transaction condition.

Milestones of RBL Platinum Delight Mastercard Credit Card

Annual Spend Waiver

₹150,000 : Annual fee waiver (subject to bank terms)

Monthly Transactor Bonus

5 transactions of ₹1,000+ in a month : 1,000 bonus reward points

Fees & Charges of RBL Platinum Delight Mastercard Credit Card

Fee & Amount	Fee Value
Joining Fee	₹1,000
Annual Fee	₹1,000
Forex Markup Fee	1.5%
Cash Advance Fee	3.99%
Late Payment Fee	₹750
Over Limit Fee	₹500
Returned Payment Fee	₹350
Cash Withdrawal Fee	4%

Renewal Conditions:Annual fee waiver on eligible annual spend as per bank policy (milestone-based waiver).

Fee Explanation Standard bank rates apply for overdue amounts and cash advances; fees and taxes as per RBL Bank terms.

Detailed Explanation of RBL Platinum Delight Mastercard Credit Card Fees

Joining Fee: 1000 (one-time)

Applicable at issuance

Annual Fee: 1000 (yearly)

Waiver available on eligible annual spend

Cash Advance Fee: 3.99% (transaction)

As per bank policy; min ₹300

Insurance Coverage with RBL Platinum Delight Mastercard Credit Card

Nil/Standard

Refer to bank

Insurance benefits vary by variant and offer

Additional Features of RBL Platinum Delight Mastercard Credit Card

Contactless Payments

Tap-and-pay enabled

Add-on Cards

Add-on cards available as per bank policy

Welcome Bonus with RBL Platinum Delight Mastercard Credit Card

Welcome Bonus: 4,000 Reward Points
Bonus Conditions: Credited within 60 days; valid on first swipe within 30 days of issuance; excludes fuel spends.

Application Process for RBL Platinum Delight Mastercard Credit Card

Processing Time

5-7 business days

Online Application

Available

Instant Approval

Not Available

Step-by-Step Process

Apply online via RBL/Finanjo portal

Upload KYC documents

Receive verification call

Card dispatched within 5-7 business days

Required Documents for RBL Platinum Delight Mastercard Credit Card

ID Proof

all

Accepted documents:

PAN Aadhaar

Address Proof

all

Accepted documents:

Passport Utility Bill

Income Proof

salaried

Accepted documents:

Payslip Form 16