RBL Bank Platinum Delight Credit Card
RBL Bank
₹1,000
Joining fee
₹1,000, waived at ₹2L spend
Annual fee
Waived on spending Rs 2 lakh or more in a membership/calendar year.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹35,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 700+
Estimated — not officially confirmed by the bank.
Lounge access
0 domestic / 0 international / 0 railway visits per year
Reward details
2 reward points per Rs 100 on weekday spends
- 4 reward points per Rs 100 on Weekend spends (Saturday-Sunday) — 1,000 points/month total
Welcome bonus: 4,000 reward points on first transaction within 30 days + annual fee payment
- 5+ transactions of Rs 1,000+ each in a calendar month: 1,000 points/month
Redemption
Rewards portal for travel bookings, mobile recharges, e-vouchers, product purchases
Excluded from rewards: fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rental, education, wallets/service providers, government services, contracted services, cash, miscellaneous, Bills2Pay, EMI conversions
- Reward redemption fee Rs 99 + GST per redemption day; fuel surcharge waiver full waiver on Rs 500-4,000 fuel purchases, capped Rs 150/month
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- 2X reward points on weekend spends valued; monthly milestone rewards with diverse redemption channels — Paisabazaar
Complaints
- Limited to rewards focus only, lacks travel/lifestyle perks; no rewards on frequently-used categories like fuel and utilities — Paisabazaar
Sources
- Official — fees, lounge, rewards
- Aggregator — fees, lounge, rewards, sentiment