Platinum Delight Credit Card

Joining Fee

₹1,000

Annual Fee

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

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.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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