MyFinCards
Platinum Delight Credit Card

Joining Fee

₹1,000

Annual Fee

Rs. 1000 (Reversed on annual spends of Rs. 2 Lakhs)

RBL Bank
Rewards
Lifestyle
Best For: Weekend shoppers, Entry-level credit card users, Fuel spenders

Platinum Delight Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,000 /monthly

Pros

  • 4,000 welcome reward points on joining
  • 4X reward points on weekends
  • Monthly milestone bonus of 1,000 points
  • Fuel surcharge waiver up to INR 150/month
  • Annual fee waiver on INR 2 lakh annual spend

Cons

  • Base reward rate of only 2 points per INR 100
  • Monthly reward points capped at 1,000
  • Reward redemption fee of INR 99 + GST per day
  • Many merchant categories excluded from rewards

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward points capped at 1,000 per month

Milestone bonus excludes Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous & Bills2Pay w.e.f. October 15, 2024

Annual fee waiver excludes Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay and EMI conversions w.e.f. October 15, 2024

Reward redemption fee of INR 99 + GST applies per redemption day

Key Benefits & Features

Welcome benefit of 4,000 reward points on card activation and annual fee payment within 30 days

4X reward points (4 points per INR 100) on weekend spends, capped at 1,000 points per month

Notable Exclusions

No reward points on UtilitiesNo reward points on InsuranceNo reward points on Fuel & Auto purchasesNo reward points on RailwaysNo reward points on Real Estate/RentalNo reward points on Wallet/Service ProvidersNo reward points on MiscellaneousNo reward points on Quasi-Cash, Education, Government Services, Contracted Services, Cash & Bills2Pay

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Platinum Delight Credit Card

The RBL Bank Platinum Delight Credit Card is an entry-level rewards card designed to make everyday spending more rewarding, available at an annual membership fee of INR 1,000. New cardholders are welcomed with 4,000 bonus reward points, credited upon activating the card within 30 days of issuance and paying the annual membership fee on time. This makes it an appealing starting point for those beginning their credit card journey. The card offers 2 reward points for every INR 100 spent on regular purchases, which doubles to 4 reward points per INR 100 during weekends, making it especially valuable for weekend shoppers. Cardholders can also earn 1,000 monthly bonus reward points by swiping the card at least five times for transactions of INR 1,000 or more within a calendar month. All reward points can be redeemed through the RBL rewards portal at www.rblrewards.com. Additional benefits include a fuel surcharge waiver at all fuel stations for transactions between INR 500 and INR 4,000, with a maximum monthly waiver of INR 150. For frequent spenders, an annual fee waiver is available upon reaching INR 2 lakhs in purchases within a membership year, adding further long-term value to this lifestyle-oriented rewards card.

Expert Review

Our Verdict

Entry-level rewards card with 4X weekend points, milestone bonuses, and fuel surcharge waiver at INR 1,000/year.

Frequently Asked QuestionsAbout Platinum Delight Credit Card

FEESWhat is the annual membership fee for the Platinum Delight Credit Card?
The Platinum Delight Credit Card comes with an annual membership fee of INR 1,000 + GST. The same amount is also charged as a joining fee when you first get the card. However, you can avail a waiver of the annual fee by spending INR 2 lakhs or more in a membership year. Note that certain merchant categories like Fuel & Auto, Utilities, Insurance, and others are excluded from the annual spend calculation for the fee waiver.
BENEFITSWhat welcome benefit do I get with the Platinum Delight Credit Card?
You receive 4,000 reward points as a welcome benefit when you get the Platinum Delight Credit Card. To avail this benefit, you need to complete two steps: first, swipe and use your card within 30 days of card issuance, and second, pay the annual membership fee by the payment due date. The welcome benefit will be credited to your account within 60 days from the date of card issuance.
REWARDSHow do I earn reward points on the Platinum Delight Credit Card?
You earn 2 reward points for every INR 100 spent on regular purchases. During weekends, you earn 4X reward points, meaning 4 points for every INR 100 spent. However, a maximum of 1,000 reward points per month can be earned through regular and weekend spending. Reward points earned in a given month are credited to your account within 45 days from the purchase settlement date. Note that certain categories like Fuel, Utilities, Insurance, and others are excluded from earning reward points.
REWARDSWhat is the Monthly Milestone Benefit on the Platinum Delight Credit Card?
You can earn 1,000 bonus reward points each month by swiping your card at least 5 times for transactions worth INR 1,000 or more each in a calendar month. These milestone bonus reward points are credited to your account within 45 days from the date of crossing the threshold. Note that effective October 15, 2024, the monthly bonus reward points will not apply to purchases in select merchant categories such as Utilities, Insurance, Quasi-Cash, Railways, Education, Government Services, and others.
BENEFITSIs there a fuel surcharge waiver on the Platinum Delight Credit Card?
Yes, the Platinum Delight Credit Card offers a fuel surcharge waiver at all fuel stations across India. The waiver is applicable on fuel purchases ranging from INR 500 to INR 4,000. The maximum monthly waiver is capped at INR 150. The benefit will be reflected directly in your monthly credit card statement.
USAGEHow can I redeem reward points earned on the Platinum Delight Credit Card?
You can redeem your reward points by visiting www.rblrewards.com. Please note that a reward redemption fee of INR 99 + GST is applicable each time you redeem your available reward points. This fee is levied one time for all redemptions made in a single day, regardless of the number of redemptions. For detailed terms and conditions on redemption, refer to www.rblrewards.com/tnc.
REWARDSWhich merchant categories are excluded from earning reward points?
Several merchant categories do not earn reward points on the Platinum Delight Credit Card. These include Fuel & Auto, Utilities, Insurance, Railways, Real Estate/Rental, Wallet/Service Providers, and Miscellaneous. Effective October 15, 2024, additional categories were added: Quasi-Cash, Education, Government Services, Contracted Services, Cash, and Bills2Pay transactions. These exclusions apply to both the base reward points and the 4X weekend reward points.
FEESHow can I waive the annual fee on the Platinum Delight Credit Card?
You can get the annual fee waived by spending INR 2 lakhs or more in a membership year. However, effective October 15, 2024, the following categories are excluded from the annual spend calculation: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay transactions, and EMI conversions of retail transactions (Split-N-Pay & EMI conversion requests). Fees, charges, and GST are also excluded.
REWARDSIs there a cap on the reward points I can earn each month?
Yes, there is a monthly cap of 1,000 reward points on regular and weekend purchases made with the Platinum Delight Credit Card. This means even if you spend heavily over weekends or on weekdays, your reward points from regular and 4X weekend spending combined cannot exceed 1,000 points per month. Additionally, you can earn up to 1,000 bonus milestone reward points separately each month by meeting the monthly spend milestone criteria.
FEESWhat is the joining fee for the Platinum Delight Credit Card?
The joining fee for the Platinum Delight Credit Card is INR 1,000 + GST, which is the same as the annual membership fee. This fee is charged at the time of card issuance. To offset this fee, you receive 4,000 welcome reward points upon meeting the required conditions — using your card within 30 days of issuance and paying the annual membership fee by the due date.
INTERNATIONALDoes the Platinum Delight Credit Card offer any international or forex benefits?
The Platinum Delight Credit Card does not appear to offer specific international travel benefits or a reduced forex markup rate. The card is primarily designed for domestic rewards and lifestyle benefits, including reward points, weekend bonuses, fuel surcharge waivers, and milestone benefits. If you frequently travel internationally or spend in foreign currencies, you may want to consider a card specifically designed for international usage.
REWARDSWhen are reward points credited to my account?
Reward points on the Platinum Delight Credit Card are credited at different timelines depending on the type: Welcome benefit points are credited within 60 days from the date of card issuance. Regular and weekend reward points are credited within 45 days from the purchase settlement date. Monthly milestone bonus points (1,000 points) are credited within 45 days from the date of crossing the milestone threshold.
APPLICATIONHow can I apply for the Platinum Delight Credit Card?
You can apply for the Platinum Delight Credit Card online through RBL Bank's official website by clicking the 'Apply Now' button on the Platinum Delight Credit Card page. You may need to provide personal details, income information, and identity documents as part of the application process. For further assistance, you can also contact RBL Bank's customer service or visit the nearest RBL Bank branch.
REWARDSWhat are the weekend reward points and how do they work?
The Platinum Delight Credit Card offers 4X reward points on weekend spending, meaning you earn 4 reward points for every INR 100 spent on Saturdays and Sundays. This is double the standard rate of 2 points per INR 100 on weekdays. However, the total reward points (including weekend spending) are capped at 1,000 points per month. Excluded merchant categories such as Fuel, Utilities, Insurance, and others do not qualify for the 4X weekend reward points.
OTHERHow can I report loss or unauthorised use of my Platinum Delight Credit Card?
If your Platinum Delight Credit Card is lost or if you notice any unauthorised transactions, you should immediately report it to RBL Bank. You can report the loss or unauthorised use through RBL Bank's official website under the 'Report Loss or Unauthorised Use of Credit Card' section, or by contacting RBL Bank's customer service helpline. You can also use the RBL MyCard App to block your card instantly for added security.

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