RBL Bank
RBL Bank Titanium Delight Card
Annual Fee
₹885₹750 + GSTBase Reward
1% points
Foreign Markup
3.5% on all foreign currency spends.
Welcome Benefits
Bonus Reward Points of up to 3,000 points.
Product Highlights
- Up to 3,000 reward points in the form of welcome benefits.
- 5% value back on grocery purchases on Wednesdays.
- 10% value back on Dominos/Pizza Hut on Wednesdays.
- 1% surcharge waiver on fuel transactions.
Category Rewards
grocery
10X RP on grocery Wednesdays
10X
Fee Waiver
Waived on ₹1L annual spend
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Domino's
20X RP on Domino's/Pizza Hut Wednesdays(Cap ₹250/mo)
Pizza Hut
20X RP on Domino's/Pizza Hut Wednesdays(Cap ₹250/mo)
Reward Calculator
Earns ₹2,115/year (net)
Modest gain. Solid hold if you like the perks.
₹16K
across all your buckets
12K
RBL Reward Points
₹3K
via standard · ₹0.25/pt
Effective rate
1.56%
Annual fee
₹885
Year 1 net
+₹2,115
Year 2+ net
+₹2,115
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
4,000 Reward Points
Real Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
20X RP on Domino's/Pizza Hut Wednesdays
Headline: 5.00% effective
₹250/month ÷ 5.00% = ₹5,000 eligible spend/month
10X RP on grocery Wednesdays
Headline: 2.50% effective
₹250/month ÷ 2.50% = ₹10,000 eligible spend/month
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash advance, rent, wallet, government
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
On every ₹100 spent on groceries on Wednesdays, you will get 1 Reward Point. For every ₹100 spent on Dominos/Pizza Hut on Wednesdays, you will get 40 Reward Points. Buy 1 Get 1 Free offer on movie tickets from BookMyShow on Wednesdays.
- 1 Reward Point = ₹0.25.
Benefits & Features
1+1 offer on purchasing movie tickets from BookMyShow on Wednesdays.
Pros & Cons
Pros
- Welcome benefit of up to 3,000 bonus Reward Points.
- 1+1 offer on movie tickets from BookMyShow on Wednesdays.
- Fuel surcharge waiver of 1% on transactions between ₹500 and ₹4,000.
Cons
- No travel benefits provided.
- Annual fee of ₹750 unless waived.
Additional Info
Annual fee can be waived on spending ₹1 lakh or more.
Partner Merchants
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Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Waived on ₹1L annual spend