RBL Bank DMI Finance Credit Card: Features & Apply

Summary

All things considered, especially for people who are new to credit or looking for a simple method to manage their money, the RBL Bank DMI Finance Credit Card is a smart and useful credit card option. It offers a totally digital solution whereby you may apply, be approved, and then start using the card online without visiting any bank branch. This offers simplicity of access as well as the current appearance of the card.

Moreover, free from membership fees, the card is rather reasonable for students, young professionals, and first-time credit card users. At the same time, it does not require a high CIBIL score, another huge advantage for beginners. Apart from a welcome freebie, including reward points and movie discounts, users with active cards can earn monthly and annual milestone prizes.

Moreover, both online and offline purchases can earn reward points that you can then apply to amazing discounts. Apart from saving money, the card offers book MyShow movie bonuses and fuel surcharge exemption, therefore enhancing your way of life. The mobile app also lets you rapidly handle your card, pay bills, track expenses, and convert big purchases into EMIs.

Introduction

For many people in modern society, credit cards have evolved into a practical financial tool. A credit card will simplify and expedite your life, whether you are paying bills, buying flights, or shopping online. Among the several credit cards accessible in India, the RBL Bank DMI Finance Credit Card is becoming rather popular. This card is especially meant for those who do not have a solid credit history but yet wish to take advantage of credit card features.

First of all, this credit card is the outcome of a special cooperation between two reputable financial companies, RBL Bank and DMI Finance. DMI Finance is well-known for digital lending solutions, even though RBL Bank provides credit card and banking services. Taken together, they have produced a credit card rich with practical features, easy to use, and simple acquisition. Unlike many conventional credit cards, this one is totally digital, so you may apply, activate, and use it without visiting any bank location.

Furthermore, the RBL Bank DMI Finance Credit Card is among the greatest ones available since it is issued without regard to credit score. This implies that you may be qualified even if you have no CIBIL score or are fresh to credit. For students, young professionals, and even homemakers who want to begin developing their credit history, this makes it a wonderful alternative.

Furthermore, included on this card are interesting features, including instant virtual card issuing, cashback on purchases, zero joining costs, and simple EMI options. Through a mobile app, you also have real-time information and total card control. This not only makes handling your money easier but also keeps you current with your expenditure.

What is the RBL Bank DMI Finance Credit Card?

Offered through a cooperation between RBL Bank and DMI Finance, the RBL Bank DMI Credit Card is a unique kind of credit card. This one is 100% digital, unlike standard credit cards, so you may apply for it, activate it, and use it online without visiting a bank branch. One of the most appealing aspects of this card is that you can obtain it without having a long credit history or a high credit score. You can be qualified even if you are fresh to credit.

Apart from that, the card provides a real card delivered to your address later and a virtual version you might use right after approval. Among its practical advantages are free joining fees, rebate offers, and simple monthly EMI choices. Moreover, a basic mobile app lets you handle all about this card: tracking your spending, paying your bills, and checking your balance.

How is the design of the RBL Bank DMI Finance Credit Card?

The RBL Bank D MI Finance Credit Card has a straightforward but contemporary design. First of all, the card is simple to identify since it looks neat. Usually in a dark tone, it feels premium because of this. Furthermore, visible on the front side of the card are the RBL Bank and DMI Finance logos, which capture the reliable cooperation behind the card.

Apart from that, the card features a simple design with just the necessary information, including your name and card number. This keeps everything tidy and businesslike. Like most contemporary credit cards, the card also features a chip for extra protection. Like any regular credit card, it is also lightweight and simple to carry.

What are the benefits of the RBL Bank DMI Finance Credit Card?

The main benefits are shown here:

Hello Benefits

• 2,000 Reward Points: Paid the annual membership fee by the due date and earned following a legitimate retail purchase within the first 30 days of card issuance. Upon card activation via actions like a successful transaction, PIN change, or MyCard App registration, a ₹ 200 BookMyShow Voucher is received. 

Program for Rewards Points

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

• Spending ₹100 in physical stores earns one reward point offline.

• Monthly Cap: Every billing cycle allows you to earn only 500 Reward Points maximum. 

Milestones of Reward

• Spend ₹50,000 in a quarter to earn 2,000 Reward Points.

Monthly Targets

• To get a ₹500 Amazon coupon, spend ₹2,00,000 annually.

• To get a ₹200 Swigzag coupon, spend an extra ₹1,00,000 (totaling ₹3,00,000). 

Perks in Entertainment

• Spend ₹5,000 in a billing cycle and take advantage of a “Buy One Get One” promotion (up to ₹200) on movie tickets reserved through BookMyShow. 

Waiver in Fuel Surcharge

• Receive a 1% fuel surcharge waiver, up to ₹100 monthly, for purchases between ₹500 and ₹4,000. 

Digital comfort

• Apply, turn on, and control your credit card totally online to guarantee a flawless experience.

• Through the RBL MyCard App, track purchases, pay bills, and adjust card settings. 

What are the fees for the RBL Bank DMI Finance Credit Card?

Here is a simple breakdown of the  RBL Bank DMI Finance Credit Card fees.

Joining Fee	₹499 + GST
Annual Fee	₹499 + 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 an RBL Bank DMI Finance Credit Card?

1. Age Requirement:

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

2. Income Requirement:

• Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

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 an RBL Bank Cookie’s Credit Card?

The documents that you will have to submit to get the RBL Bank DMI Finance 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 DMI Finance Credit Card be used?

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

• With the RBL Bank DMI Finance 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 DMI Finance Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

• The RBL Bank DMI Finance 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 DMI Finance Credit Card?

The credit amount you can spend is what you are provided to you with an RBL Bank DMI Finance 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 Cookie’s 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 DMI Finance Credit Card.

• Just hover your cursor on the  RBL Bank DMI Finance 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 DMI Finance Credit Card.

• Request the credit card application form for the  RBL Bank DMI Finance 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 DMI Finance 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 DMI Finance Credit Card in 2025 be right?

Getting an RBL Bank DMI Finance 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 perfect option in 2025.

Conclusion

Finally, a smart and practical choice for those seeking a straightforward but profitable credit card experience is the RBL Bank D MI Finance Credit Card. This card offers amazing value regardless of your credit history or the need for a handy card for administration. First of all, it’s a totally digital application process that lets you apply and start from the convenience of your home. Not needed, but visiting a bank branch and cutting a lot of documentation saves time and effort.

One main benefit of this credit card is that the application requires no high credit score. For everyone else wishing to start developing their credit history, first-time workers, or students, this is perfect. Apart from that, the card has decent perks, including cinema ticket specials, milestone incentives, reward points, and welcome freebies. These tools assist you in enjoying your spending in addition to saving money.

Furthermore, the help of the mobile app allows you total card control. Track your expenses, check your balance, pay your bills, and set phone limits. Still more comfort and flexibility in your financial planning come from the fuel surcharge waiver and the ability to translate purchases into simple EMIs.

Frequently Asked Questions (FAQ’s)