RBL Platinum Delight Credit Card: Apply Process

Table of Contents

Summary

All things considered, the RBL Platinum Delight Credit Card appeals to numerous customers because of its several good characteristics. First, your daily purchases will result in significant reward points on the card; weekends earn extra points, and you get bonus points for meeting monthly transaction targets. This enables one to quickly collect benefits and apply them for unique gifts or cashback.

Apart from the rewards program, the card provides a useful fuel surcharge waiver, thereby allowing monthly savings on gas purchases. Moreover, should you meet specific spending requirements, the annual card payment could be waived, therefore saving money for regular users. The rewards and savings mix on the card make daily spending rather helpful.

Furthermore, the card considers your security. Features include OTP authentication and EMV chip technologies, guaranteeing both online and offline safe transactions. These actions reduce your risk of fraud and illicit use, therefore giving you comfort while you pay.

Introduction

The RBL Platinum Delight Credit Card is the ideal choice if you are seeking a credit card with outstanding features, together with a simple application process. Those who prefer incentives, ease, and flexibility in their expenditure should find this credit card fit. Before applying for any credit card, you should be well-versed in the application process so that you may acquire your card fast and without trouble. The method to apply for the RBL Bank Platinum Delight Credit Card will be thoroughly discussed in this introduction, understandably and straightforwardly.

First of all, prior application requires knowledge of the eligibility requirements. RBL Bank follows certain policies, just as other credit cards, to determine who may apply. The RBL Platinum Delight Credit Card requires you to be an Indian resident with a clean credit record and satisfy the minimum income criterion established by the bank. Meeting these requirements will raise your chances of a rapid card approval.

The bank then offers several easy approaches to apply for the card. To submit your application personally, visit the closest RBL Bank branch or apply online from the convenience of your home. The online application is quick and simple. Once finished, you could send the application for inspection.

Furthermore, you might visit the bank branch if you want a more intimate touch. The bank employees will assist you in completing the paperwork and walk you through the whole procedure. If you have any questions or wish to clarify specifics before applying, this alternative will help. Either way, the bank wants the procedure to be seamless and consumer-friendly.

What is the RBL Platinum Delight Credit Card?

One of the most often used credit cards from RBL Bank, with many amazing advantages, is the RBL Bank Platinum Delight Credit Card. First of all, it is especially designed for those who desire to profit from daily expense reductions. Cardholders may, for example, accumulate reward points on transactions that would subsequently be used for gifts or rebates. Moreover, highly helpful for regular users is this card, which provides some savings on dining, shopping, and travel.

It also offers contactless payment and basic EMI features, therefore stressing card use. These qualities help many people choose the RBL Platinum Delight Credit Card above other credit cards. Generally speaking, all individuals seeking a card with spending freedom and benefits will find this to be a terrific choice.

How is the design of the RBL Platinum Delight Credit Card?

The RBL Platinum Delight Credit Card looks really elegant. The card, first of all, looks sleek and stylish with striking mixes of brilliant colors. Besides, it feels premium and has a smooth matte texture that is lovely to touch. Since the card prints your name and the card number, it also reads easily.

Another amazing feature is the contactless payment symbol, which shows you can conduct quick payments without swiping or card insertion. From the simple but elegant form, the card seems professional and is generally easy to use. The RBL Platinum Delight Credit Card looks great, hence many people feel happy to have it in their pocket.

What are the benefits of the RBL Platinum Delight Credit Card?

Its main benefits are broken out here:

Welcome advantages

Receive 4,000 reward points upon your first qualified transaction 30 days after card issuance and yearly fee payment. One can exchange these points for different prizes.

Programmable Reward Points

2 Reward Points for ₹100: Spend weekdays ₹100 and get 2 reward points.

4 Reward Points for every ₹100 on weekends. Up to a maximum of 1,000 points each month, double your benefits by getting 4 points for every ₹100 spent on Saturdays and Sundays.

Make at least five purchases of ₹1,000 or more to earn 1,000 bonus reward points every month.

Wavers in Fuel Surcharge

Fuel Transactions: With a maximum monthly waiver of ₹150, get a waiver of the fuel surcharge on transactions between ₹500 and ₹4,000 at any petrol pump in India.

Wavers annual fee

Spend ₹2,00,000 or more in the current membership year to waive the ₹1,000 yearly fee for the next year.

Features of Security

EMV Chip and PIN improves in-store transaction security.

An extra degree of protection for online buying is OTP validation.

Protects you from illegal transactions should your card be lost or stolen with zero liability on loss/theft.

Global Recognition

Accepted in over 25 million stores worldwide and over 1 million merchant outlets in India, its vast reach helps to enable easy international transactions.

What are the fees for the RBL Platinum Delight Credit Card?

Here is a simple breakdown of the RBL Platinum Delight Credit Card fees.

Joining Fee	₹1,000 + GST
Annual Fee	₹1,000 + 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 Platinum Delight 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 Platinum Delight Credit Card?

The documents that you will have to submit to get the RBL Platinum Delight 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 Platinum Delight Credit Card be used?

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

With the RBL Platinum Delight 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 and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

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 Platinum Delight Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The RBL Platinum Delight 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 Platinum Delight Credit Card?

The credit amount you can spend is what you are provided to you with an RBL Platinum Delight 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 Platinum Delight 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 Platinum Delight Credit Card.

Just hover your cursor on the RBL Platinum Delight 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 Platinum Delight Credit Card.

Request the credit card application form for the RBL Platinum Delight 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 Platinum Delight 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 Platinum Delight Credit Card in 2025 be the right choice?

Obtaining the Platinum Delight Credit Card in 2025 can be a good option if you require a credit card with excellent 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

In the end, the Platinum Delight Credit Card is a terrific choice for anybody who wants to quickly manage their daily expenses and enjoy a wide spectrum of benefits. It first shows nice reward points that boost the worth of every purchase. Moreover, the card provides special advantages such as interesting welcome points and fuel cost exemptions, thus enhancing the overall value for the consumer. Whether they travel frequently, shop often, or simply want to save on everyday spending, these features appeal to a spectrum of consumers.

Besides, the application process for this card is really simple and flexible. Apply online or go to a bank office, whichever is most convenient for you. Together with the quick bank verification process, this simplicity of use ensures that you can start enjoying the advantages of the card without unnecessary wait. Advanced security elements, including OTP authentication and EMV chip also shown on the card, therefore providing peace of mind when making online or offline purchases.

Another quite crucial factor is the facility for an annual fee waiver. By avoiding paying the yearly fee by meeting the minimal expenditure criterion, you can save money on owning this card. The card also gives consumers who travel or buy both domestically and overseas significant freedom, given its general acceptance at millions of retail stores both in India and outside.