RBL Bank Platinum Delight Credit Card Review

By | December 23, 2019

As many of you are asking for reviews on RBL cards, i’m starting with RBL Platinum Delight credit card which is one of the beginner level card from RBL Bank. While RBL bank is not so popular in credit card segment, they do have cards with decent reward rate. However, i don’t like the concept of paying joining fee for reward points whatsoever. Though, you can get some benefits if you spend with a strategy.

RBL Bank Platinum Delight Credit Card

Joining Fees

  • Joining Fee: Rs. 1000+GST
  • Welcome Bonus: 4,000 Points
  • Annual Fee Waiver: Spend Rs. 1.5 Lakhs or more in the previous year

The welcome bonus worth is equivalent to the Joining fee paid.

Reward Points

  • 2 Reward points per Rs.100
  • 1,000 Bonus Reward Points every month on 5 transactions worth Rs. 1,000 each or more in a calendar month.
  • 1 Reward point = 0.23ps – 0.25ps

This card is best if you spend around Rs.5,000 a month or about Rs.60,000 a year. Lets see how much we can save in that case.

  • RP for 5 transactions worth Rs. 1,000 each or more in a calendar month = 12,000 Points/yr
  • RP for Rs.60,000 spend for doing above txn’s in a yr = 1,200 Points
  • Total = 13,200 Points = Rs.3000 in Value
  • Effective Reward Rate: 5%

Ever wondered this basic card has quiet a lot of potential? So Never underestimate the potential of the card based on the joining fee 😀

Features & Benefits

  • CardExpert Rating: 3.5/5 [yasr_overall_rating]
  • Reward rate: Upto 5%
  • Complementary Airport lounge access: Nil
  • Fuel Surcharge Waiver: Capped at Rs. 150 every billing cycle (S.Tax applicable).
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Renewal Fee Waiver: Renewal fee reversed if you spend Rs.1.5 Lakhs in a year
  • Special Features: Monthly Bonus, 2X points on weekends spends.

While this card comes with a nice 5% reward rate, it suits only for small spenders with average annual spend of about Rs.60,000 who can effectively use to avail the monthly bonus. This Monthly bonus feature is basically copied from American Express Gold charge card, well, who cares, they applied it a better way.

One downside though, the redemption options are limited. Though, you can easily burn them on Recharges for this range of reward points. Other cards in this beginner level segment are Standard Chartered Manhattan Credit Card and Moneyback card. You can also checkout my latest list of 7 Best Cashback Credit Cards if you’re looking for direct cashback on your credit card spends.

Author: Siddharth

Helping Indians to choose right credit cards, pick right offers and enjoy luxury vacations for less. Day & night exploring the spiritual reality of our human existence.

43 thoughts on “RBL Bank Platinum Delight Credit Card Review

  1. Shrey

    Hi Sid,

    How did you arrive at the 0.23 – 0.25 rps reward point value? Is it redeemable value on flights or for card statement?

    1. Siddharth Post author

      I checked some online shopping voucher value/points required on site. Redemption against card statement is not available.

  2. Shrey

    Hi Sid, what’s your take on SBI Yatra credit card? I couldn’t find a review for the Yatra card on the site and was thinking of getting a card from SBI (not interested in Elite as the milestone expenses are a lot to achieve)

  3. Duane

    Hi Sid…. great site. Can you do a single article on all cards from HDFC. Similarly one for SBI.

    1. Siddharth Post author

      Thanks for the kind words.
      Sure thing, will get it live soon 🙂

  4. Sanjay

    Hi Sid, can you help me with few queries:
    1. I was interested in this card for 1000 points bonus but it says ‘swiping’ 5 times a month. Does that mean physical swipe at merchant or online transactions is also considered like using at paytm?
    2. In rewards, are Amazon voucher available for redemption?
    3. Weekend 2x – is it applicable for online spends like paytm transaction? Not clear from website. Point 1 and 3 combined will increase value of the card a lot.


    1. Siddharth Post author

      Swipe also means online txn’s usually. applies to weekend spends too. Rewards keeps changing. Check their rewards programme to get an idea.

  5. Prashant Gupta

    Siddharth I think RBL Crownit card is also good for entry level with reward rate going to 2.5% for Rs.1.5L spend. You can review the same.

  6. Haris Khan

    HI Sid,
    Today I got a call from credit card agent saying RBL is offering many cards and he offered me this RBL Platinum Delight credit card. All the points were same, except one thing which I want to share/ask. He said I can pay other credit card bills from this RBL Credit Card, to which I disagree and said only Net banking is allowed to do CC payments. He replied that you need to select RBL Bank in the list and then it will connect to the a/c linked to the credit card and then you can make the payment. Also he mentioned that this BT(Balance Transfer) feature comes after 3 months of activating and using this RBL card.

    Please let me know if you have any info on this. I have multiple CC bills to pay.


    1. Siddharth Post author

      He might have just meant the BT feature as paying other CC bills in layman terms.

    2. Parag

      I too get similar call from RBL credit card. Representative said very clearly that “after 3 months of use of Credit Card you can pay your other credit cards bill without any extra charge or interest”. I didnt got the RBL card due to no CIBIL score at that time, so no follow up.

  7. Gurunaicker

    Dear, sir ..
    I applied the application ..rbl titanium delight card

    How can i check the status…??

  8. Ganesh

    how much credit limits they provide if we apply on card on card any idea ?
    Is there any way to avoid fees if we do not complete spend as this is good for only 60K yearly spend

  9. prashant

    I am getting this card for first year free, I have hdfc card.
    normally how much credit limit they give on card on card basis ? have 6L limits in currant cc

  10. Kavita

    Rbl titanium delight card v/s platinum delight card. And is titanium delight card useful or should I opt for another credit card

  11. Kavita

    rbl titanium delight card v/s platinum delight card. And is rbl titanium delight card is useful or should I go for another credit card option available in other banks????

    1. Himanshu


      Platinum is always better than titanium. Compare both the cards and choose one what works for you. Yes if you want to go with other bank cards you surely can.

      Hdfc and sbi are good to start with.

  12. mohamed

    Hi siddarth,
    I am using this card from last 8 months, may i know is there any milestone rewards available for this card?

  13. Satish Kumar Agarwal

    Dear Sid

    RBL even gives the option of cash credit with 4 points = INR 1.
    I was told about this by customer support. As I haven’t used it so far, can’t confirm it.

  14. Jayant

    “1,000 Bonus Reward Points every month on 5 transactions worth Rs. 1,000 each or more in a calendar month.”
    Are Wallet load like Paytm/AmazonPay etc considered for the bonus 1000 rewards?
    or only physical card swipe in a shop will be considered for 1000 bonus rewards?

  15. Sudip D Modi

    In entry level SBI simplyclick credit card or RBl platinum delight which one is good. I have gone through details and features and looks same. Any of your suggestions??


      SBI simplyclick BEST AMAZON 2.5% CASHBACK AND online 1.25 % and you can redeem points on sbicard app

  16. Deep

    I recently got this card ltf
    Can anyone please confirm whether the monthly bonus reward points of 1000 can be earned only on offline transactions or whether online transactions count too?


      Hi Deep,
      Can you please explain how did you got the LTF offer and where did you apply.

  17. Ramesh Kumar

    RBL has silently devalued the value of reward points(RP) from Rs.0.22/RP to Rs.0.18/RP. Last month, Rs.2K amazon voucher is 8,900 RP, now it’s changed to 11,000 RP.

    1. Siddharth Post author

      Only for Amazon voucher or for all vouchers? Could you please check on that one?

        1. Siddharth Post author

          Thanks for the update!

          P.S. From what I see on their rewards page, its 18ps or so for amazon/flipkart and few other vouchers. But some still at 23ps like Allen Solly, PE, etc.

  18. Gagan

    Fellow Credit Card Users,

    Bankbazaar is offering RBL Bank Platinum Delight Credit Card (at RBL website it has annual fees of Rs 1000) and RBL Bank ShopRite Credit Card (at RBL website it has annual fees of Rs 500).

    I do have cards from other banks like HDFC Diners Black etc.

    Worth getting either of these RBL cards for collection?

    1. Dinesh

      Same query, heard negative reviews regarding this bank. Is LFT worth from this bank


      I also got the same offer , i applied for rbl platinum delight card LTF pre approved bank bazaar offer. My card is approved with 2.07 lac limit. I still did not receive the card. Card shipped yesterday night and it received in my city, I will receive by tomorrow, rbl uses Delhivery for card delivery. For card , i will just purchase amazon GV 5 times 1k each and use 5k per month to get 6% reward. Thats it. I hope service of the bank is good. Lets see .

  19. SP

    Anyone 100% sure if Amazon wallet loads are accuring 1000 rps per month? I did 2 wallet loads of over 1000rs and 3 separate online purchases of 1000rs or more – so total 5 transactions of 5, and didn’t get the 1000 rps this month – Jun 2022.


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