RBL Bank Monthly Treats Credit Card: Apply

Summary

All things considered, the RBL Bank Monthly Treats Credit Card would be highly valuable for those who wish for a simple but efficient credit card for daily usage. It is particularly created to offer monthly prizes in the shape of fascinating rebates, discounts, and reward points. 

For regular users, the card is particularly useful as, depending on minimal monthly expenditure, these benefits are easily available. Additionally, helping you save more every month are fuel expense waivers and savings on movie tickets with BookMyShow.

Furthermore, the card boasts a low monthly cost of ₹75 + GST, which is waived off should your monthly spending be ₹3,000 or above. For active users, this almost makes the card free. Moreover, adding more value are gift cards valued up to ₹5,000 from milestone spending benefits.

Introduction

Credit cards have evolved into a logical approach to handling money in the busy surroundings of today. Whether your purchase is online, movie ticket booking, or dining on your favorite cuisine, a good credit card can provide you with several benefits and savings. Among customers, the RBL Bank Monthly Treats Credit Card is one that is really popular. Those who seek to enjoy monthly rewards, cashback, and intriguing extras without paying excessive annual fees should find use for this card useful.  

First of all, both first-time and seasoned credit card users would find the RBL Monthly Treats Credit Card to be a user-friendly card.  For those who routinely spend on common goods, including groceries, meals, transport, and gasoline, it is an amazing answer.  With this card, consumers get the pleasure of collecting reward points on practically every transaction.  

Furthermore, one of the best aspects of this card is its cost. Unlike other premium cards that require significant yearly fees, the Monthly Treats Credit Card from RBL Bank comes with a very low registration cost. Not only that, but the renewal fees can also be waived off if you spend a set amount every year. This makes it a budget-friendly choice for paid workers, students, and young professionals.   

Another key quality of this card is the breadth of offers it delivers. Cardholders can, for instance, benefit from gasoline price waivers, movie ticket reductions, and incentives on selected partner sites. It also provides interest-free borrowing for up to 50 days, which helps you control your cash flow free from concern for future payments. If you are someone who likes to shop or go out frequently, this card can bring actual value to your lifestyle.

What is the RBL Bank Monthly Treats Credit Card?

Designed as a special type of credit card, the RBL Monthly Treats Credit Card offers its members fascinating monthly incentives and bonuses. It is mostly geared for those who consistently spend on meals, shopping, travel, and gasoline. This card is perfect for daily use since it delivers benefits every month, unlike certain credit cards that only offer incentives occasionally.

To clarify further, nearly every transaction you make enables you to accrue reward points on this card.  Later on, these points might be utilized for gift cards, discounts, or even movie tickets.  Additionally, you can also get fuel surcharge exemptions, cashback offers, and discounts on entertainment.

How is the design of the RBL Bank Monthly Treats Credit Card?

The RBL Monthly Treats Credit Card has an elegant but basic appearance. The card appeals to professionals and young people first because it seems current and fashionable. Usually featuring the RBL Bank emblem and the displayed “Monthly Treats,” it has a professional and expensive appeal from a dark color motif.

The card also has a neat and orderly structure. The card is easy to use and read because of your clean print of your name, card number, and expiration date. It also features a contactless payment sign so that, at approved stores, you can quickly tap and pay without running the card through the machine.

What are the benefits of the RBL Bank Monthly Treats Credit Card?

The salient characteristics of it are briefly summarized here:

Points for Reward

• Every ₹100 you spend online earns two reward points.

• For every ₹100 spent offline, except for gasoline purchases, you will earn one reward point. 

Cashback Advantage

• Spending ₹3,000 a month on groceries will unlock 10% cashback, limited at ₹100 per month.

• Spending ₹5,000 a month will unlock 10% cashback on BookMyShow, Swiggy, and utility bill payments—each capped at ₹100 per month. 

Discount movie tickets

• BookMyShow lets you enjoy a 10% quick discount on movie tickets booked up to ₹300 each month. 

Wave of Fuel Surcharge

• Get a 1% fuel fee waiver on purchases between ₹500 and ₹4,000; maximum waiver is ₹150 per month. 

Milestones in Rewards

• Receive vouchers valued at ₹1,000 and ₹5,000 upon expenditure of ₹2 lakhs and ₹ 5 lakhs respectively in a membership year. 

Monthly Waiver Fee & Fee

• The monthly cost is ₹75 plus GST, minimal.

• Spending ₹3,000 or more in the previous month entitles you to a monthly fee waiver. 

Period without Interest

• Enjoy a credit period free of interest between 17 and 50 days, depending on past due clearance in full. 

• Frontline in the clouds

What are the fees for the RBL Bank Monthly Treats Credit Card?

Here is a simple breakdown of the  RBL Monthly Treats Credit Card fees.

Joining Fee	₹50 + GST
Annual Fee	₹50 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.99% per month (47.88% annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting a RBL Bank Monthly Treats Credit Card?

1. Age Requirement:

• You should be between 18 and 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have proof of a valid address.

What documents are required to get a RBL Bank Monthly Treats Credit Card?

The documents that you will have to submit to get the RBL Bank Monthly Treats Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the RBL Bank Monthly Treats Credit Card be used?

Here is the list of places where you can use it:

• With the RBL Bank Monthly Treats Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your  RBL Bank Monthly Treats Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The RBL Bank Monthly Treats Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the RBL Bank Monthly Treats Credit Card?

The credit amount you can spend is what you are provided to you with a RBL Bank Monthly Treats Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an RBL Bank Monthly Treats Credit Card?

Apply it through both these modes: 

Online Application Process:

• Visit the official website of the RBL First Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by RBL First Bank; for instance, you can choose the RBL Bank Monthly Treats Credit Card.

• Just hover your cursor on the  RBL Bank Monthly Treats Credit Card and select ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

• You can walk into the nearest RBL First Bank branch to apply for the RBL Bank Monthly Treats Credit Card.

• Request the credit card application form for the  RBL Bank Monthly Treats Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the  RBL Bank Monthly Treats Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions in the envelope through the RBL First Bank Card website, mobile app, or customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an RBL Bank Monthly Treats Credit Card in 2025 be right?

Getting an RBL Bank Monthly Treats Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility. 

RBL First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

The RBL Bank Monthly Treats Credit Card is finally a wise and logical option for those who want to enjoy monthly savings, rewards, and lifestyle benefits without paying big annual fees. Those who often spend on basics, including food, petrol, recreation, and utility expenses, could especially find this card helpful. Providing “monthly treats” to its customers, it truly lives up to its name with benefits including movie ticket savings, 10% payback on a select few places, and reward points on every transaction.

Besides, it extends beyond simple incentives and offers. The card is designed to be easy for management. The monthly cost is low; should you meet the minimal expenditure requirements, you could even have it waived. Students, working professionals, and even housekeepers who want to save more each month will find this ideal. In addition, included on the card are fuel surcharge exemptions and interest-free credit for up to 50 days, which can help with better money management and financial planning.

One other great advantage comes from the straightforward application process. Using simple eligibility criteria and basic documentation makes applying for the card both online and offline not too onerous. Once approved, the card shows up at your house, and you might start enjoying its benefits immediately. Not to undervalue, the modern and sophisticated style of the card accentuates the look and feel of your wallet.

Frequently Asked Questions (FAQ’s)