Detailed review of the RBL Platinum Delight Credit Card. Learn about welcome benefits, reward points, milestone bonuses, fuel surcharge waiver, fees, charges, interest rates, and eligibility. Find out whether this card is worth applying for in 2025.
RBL Bank Platinum Delight Credit Card Review: Benefits, Charges, Rewards and Full Features
In this guide, we provide a complete review of the RBL Bank Platinum Delight Credit Card, covering its benefits, features, fees, charges, reward structure, and eligibility. If you are planning to apply for this card, this article will help you understand everything in detail.
Welcome Benefits
After your card is issued, you can earn 4,000 reward points as a welcome benefit. To qualify for this welcome bonus, you must:
- Set up your card on the RBL MyCard App within the first 30 days
- Complete your first transaction within 30 days
- Pay the joining fee
Once all three conditions are met, the 4,000 reward points will be credited to your account.
RBL Bank Platinum Delight Credit Card Reward Points Structure
The Platinum Delight Credit Card offers rewards on every spend, with enhanced rewards on weekends.
Weekday Rewards
- Earn 2 reward points for every ₹100 spent
Weekend Rewards
- Earn 4 reward points per ₹100 spent (2X rewards)
- Applicable on Saturday and Sunday
Transactions That Do Not Earn Reward Points
The bank has a defined list of categories where no reward points are provided, such as:
- Wallet loading
- Fuel
- Cash withdrawals
- Rental payments
- Utility bill payments (specific categories)
These categories earn zero reward points.
RBL Bank Platinum Delight Credit Card Monthly Milestone Benefits
You can also earn 1,000 bonus reward points every month as a milestone benefit.
Condition:
If you complete five transactions of ₹1,000 or above within a calendar month, you will receive:
- 1,000 bonus reward points, plus
- Your regular reward points
This is an excellent way to boost your monthly reward earnings.
Reward Point Value and Redemption Options
The value of 1 reward point ranges from 10 paise to 25 paise, depending on the redemption method.
You can redeem your points for:
- Shopping
- Travel bookings
- Gift vouchers
- Hotel vouchers
- Mobile/DTH recharge
- Cash credit (if you hold an RBL Bank account)
To redeem cash, the credit will be transferred to your RBL Bank savings account.
Redemption Fee: ₹99 will be charged for each redemption request.
Fuel Surcharge Waiver
You get a 1 percent fuel surcharge waiver when using this card for fuel purchases between:
- ₹500 to ₹4,000
You can avail a maximum fuel surcharge waiver of ₹100 per billing cycle.
Other Features
The RBL Platinum Delight Credit Card offers additional benefits such as:
- Discount offers from RBL partner brands
- EMI facility on eligible transactions
- Loan against credit card
- Contactless payments up to ₹5,000 without PIN
- Full digital management through the MyCard App
Fees and Charges
Joining Fee
- ₹1,000 + 18% GST
- Includes 4,000 welcome reward points
Annual Fee
- ₹1,000 + 18% GST from the second year onward
Annual Fee Waiver
If you spend ₹2,00,000 or more in the previous year, the annual fee will be waived.
Even if you do not meet the condition, you can request customer care for a manual reversal.
RBL Bank Platinum Delight Credit Card Interest-Free Period
You get up to 50 days of interest-free credit, which includes:
- 30 days billing cycle
- 20 days grace period for payment
If you miss the payment due date, interest and late payment charges will apply.
Late Payment Charges
Based on your outstanding bill:
- Minimum late fee: ₹65
- Maximum late fee: ₹1,300
Interest is applied to the outstanding amount as per the bank’s rate.
RBL Bank Platinum Delight Credit Card Interest Rate
The interest rate depends on your credit profile and CIBIL score:
- 3.5 percent to 3.99 percent per month
RBL Bank Platinum Delight Credit Card Forex Markup Charges
For international transactions, the forex markup fee is:
- 3.5 percent
Eligibility Criteria
This card is available for both salaried and self-employed individuals.
Minimum Income Requirement
- ₹20,000 per month (salaried or self-employed)
Card-to-Card Application
If you already have another bank’s credit card, you can apply based on:
- Existing card limit
- Good credit profile
- CIBIL score
In many cases, the card can be issued without income proof, depending on your credit score.
How to Apply
You can easily apply online through the official RBL Bank website.
Once KYC is completed, your credit card will be delivered within a few working days.
Final Verdict
The RBL Bank Platinum Delight Credit Card is a good entry-level option for users who want steady rewards and higher weekend reward rates. The monthly milestone benefit makes this card more valuable if you use it regularly.
With a reasonable annual fee, milestone bonuses, fuel waiver, and 4X weekend rewards, it is a solid card for everyday use—especially if your weekend spending is high.