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RBL Bank Platinum Delight Credit Card
An entry-level RBL rewards card that doubles points on weekend spend, with welcome and milestone bonuses that RBL positions as worth roughly 9x the annual fee.
Annual fee
₹1,000
Joining fee
₹1,000
Reward type
points
Base reward rate
0.5%
Card network
Mastercard
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 700+. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: Not offered
- International lounge access: Not offered
Benefits by category
- ⛽ Fuel
Fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹150/month
Eligibility
- Minimum credit score: 700
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹150 per statement month
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500, per RBL's standard cash advance fee
Benefits
- 4,000 reward points on card activation
- 1,000 bonus points after 5 qualifying transactions in a month
- Fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹150/month
Pros
- + Welcome and milestone bonuses offset much of the fee
- + 2X points on weekend spend
- + Achievable ₹2 lakh spend threshold for fee waiver
Cons
- − Excludes utilities, insurance, education, and government spend from rewards
- − Unremarkable base reward rate outside weekends
- − No lounge access at this tier