RBL Bank
RBL Platinum Delight Credit Card
Annual Fee
₹1,180₹1,000 + GSTBase Reward
2% points
Foreign Markup
Up to 3.5% on all foreign currency spends
Welcome Benefits
4,000 Reward Points on card setup
Product Highlights
- 4,000 Reward Points welcome gift
- 2 Reward Points on every ₹100 spent on weekdays
- 2x Reward Points on weekends
- 1% fuel surcharge waiver
- Spend-based annual fee waiver
Category Rewards
Specialty
2X RP on weekends
2X
Fee Waiver
Waived on ₹2L annual spend
Reward Calculator
Costs you ₹700/year
Break-even needs ~₹31,959/month at your reward mix.
₹13K
across all your buckets
1.9K
RBL Reward Points
₹480
via standard · ₹0.25/pt
Effective rate
0.31%
Annual fee
₹1,180
Year 1 net
₹-700
Year 2+ net
₹-700
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per month · You spend ≈ ₹50K
1,000 bonus RP on 5+ txns of ₹1K+ in a calendar 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 ₹150/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
Earn 2 Reward Points on every ₹100 spent on weekdays and 4 Reward Points on every ₹100 spent on weekends.
- 1 Reward Point = ₹0.25 against hotel/flight bookings, mobile recharges, shopping vouchers, and other lifestyle products.
Benefits & Features
1% fuel surcharge waiver on all transactions between ₹500 and ₹4,000.
Pros & Cons
Pros
- High reward points on weekend spending
- Waiver on annual fee with spending
- Bonus points for frequent usage
Cons
- No rewards on fuel, railways, utilities, insurance, wallet reloads, rentals, and miscellaneous payments
- Redemption fee applies
Additional Info
Maximum limit capped for reward accumulation in a month is 1,000 reward points.
Excluded Categories
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Waived on ₹2L annual spend