RBL Platinum Delight Visa Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹1,000
₹1,000
1.99%
No lounge access
Contents
RBL Platinum Delight Visa is an entry-to-mid-level rewards card focused on consistent point-earning and monthly bonuses. It offers strong weekend rewards, monthly bonus points for active usage, and fuel surcharge waiver benefits. The card suits customers who prioritise reward points on everyday spends and occasional higher-value purchases.
Features of RBL Platinum Delight Visa Credit Card which makes it unique
Monthly Bonus
1,000 bonus reward points on achieving transaction-based monthly activity
Encourages regular use
Weekend Accelerated Rewards
Higher reward rate on weekend spends
Better returns for leisure spending
Rewards Structure of RBL Platinum Delight Visa Credit Card
Dining
acceleratedRestaurants and dining merchants
Base
baseAll merchants excluding excluded categories
Milestones of RBL Platinum Delight Visa Credit Card
Monthly Activity Bonus
5 transactions of ₹1,000+ in a month : 1,000 bonus reward points
Annual Spend Benefit
Refer bank T&Cs : Potential annual fee waiver or additional benefits (as per bank rules)
Fees & Charges of RBL Platinum Delight Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹1,000 |
| Annual Fee | ₹1,000 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee may be waived on qualifying annual spends (refer to bank T&Cs for current threshold).
Fee Explanation Standard bank charges (GST and other taxes where applicable) apply to fees and overdue amounts; refer to the bank schedule of charges for details.
Detailed Explanation of RBL Platinum Delight Visa Credit Card Fees
Joining / Annual Fee: ₹1,000 + GST (yearly)
Fee may be reversed/waived on meeting bank-specified spend thresholds.
Reward Redemption Fee: ₹99 + GST (per redemption)
Charged at redemption of reward points via rewards portal.
Fuel Surcharge Waiver: Up to ₹150 per month (monthly)
Subject to merchant and bank T&Cs.
Insurance Coverage with RBL Platinum Delight Visa Credit Card
Purchase protection
VariesCheck RBL rewards/insurance terms for eligible purchases and coverage limits.
Additional Features of RBL Platinum Delight Visa Credit Card
Contactless Payments
Tap-and-pay enabled for eligible merchants
Add-on Cards
Add-on cards available as per bank policy
Welcome Bonus with RBL Platinum Delight Visa Credit Card
Welcome Bonus: 4,000 Reward Points
Bonus Conditions: Welcome points credited on payment of joining fee and completion of first swipe within 30 days; applicable to new members only.
Application Process for RBL Platinum Delight Visa Credit Card
Processing Time
5-7 business days (typical card dispatch timeline; subject to verification).
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via RBL Bank or Finanjo portal
Upload KYC and income documents
Bank performs verification and may call for confirmation
Card dispatched after approval (typical dispatch 5–7 business days)
Required Documents for RBL Platinum Delight Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
RBL Platinum Delight Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Platinum Delight Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must provide valid PAN and Aadhaar (or other KYC documents) as per bank requirements.
How Approval Is Decided
- Minimum monthly income as per product requirements (salaried/self-employed)
- Indian resident
- Clean credit history and minimum credit score (bank discretion)
Pros of RBL Platinum Delight Visa Credit Card
- Good reward rates for regular spenders
- Monthly bonus incentivises activity
- Fuel surcharge waiver helps regular drivers
Cons of RBL Platinum Delight Visa Credit Card
- No complimentary lounge access
- Reward points not earned on certain categories (fuel, utilities, government services)
- Redemption may incur fees
Frequently Asked Questions about RBL Platinum Delight Visa Credit Card
What is the joining fee?
Joining/annual fee is ₹1,000 + GST; check bank offers for fee reversal or waiver schemes.
How is the welcome bonus credited?
4,000 welcome reward points are credited on payment of joining fee and completion of first swipe within the specified period.
What are the reward earning rates?
Earn 2 reward points per ₹100 on weekdays and 4 reward points per ₹100 on weekends; some categories are excluded from points.
Is there a fuel surcharge waiver?
Yes — a fuel surcharge waiver is available up to a maximum of ₹150 per month, subject to bank terms.
How do I earn the monthly 1,000 bonus points?
Complete five transactions of ₹1,000 or more in a calendar month to qualify for 1,000 monthly bonus reward points.
Who is eligible to apply?
Indian residents meeting the bank's age and income criteria (typical minimum age 21; salary/self-employed income thresholds vary).
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
