MOST IMPORTANT TERMS

AND CONDITIONS CUM

KEY FACT STATEMENT
FOR CREDIT CARDS

Read the Most Important Terms and Conditions

in your preferred language
here: www.rblbank.com/vernacular-mitc
Element/Key Facts Remarks/Description
Joining Fee NIL for Primary & Add-on
Cardmember
Membership Fee INR 0-7,000 (As per card
(annual/monthly) variant in MITC)
INR 0-200 per Add-on card
Cash advance fee 2.5% of the Cash Amount
withdrawal (min. INR 500)
Service Charges All service and penal charges
levied will attract a Goods
and Services Tax (GST) (as
applicable)
Interest Free (grace) 17-50 days subject to scheme
Period applicable on Credit Card
Finance Charges for upto 3.99% p.m.
both Revolving Credit (upto 47.88% p.a.)
& Cash Advances
Overdue Interest Included in Finance Charges
Charges
Late Payment Fee Late payment fee charged
depending on the customer’s
Total Outstanding amount
ranges from INR 5 - 1,300
Credit Limit Mentioned in the Welcome
kit, Monthly Statements and
Bank’s digital channels (App
and Website)
Available Credit Limit Mentioned in the Monthly
Statements and Transaction
alert messages
Cash Withdrawal Mentioned in the Monthly
Limit Statements
Billing statements- Physical/E-statements sent
Periodicity & Mode every month (mode as per
of sending chosen preference)
Minimum Amount Total GST + Current month EMI
Payable (Minimum Debits + [Max of (100% of Fee/
Amount Due) Charges + 5% of (Retail Spends,
Cash Advance, Interest)) or INR
200] + previously unpaid MAD
(if any) + Overlimit Utilization
Amount (if any)

1
Element/Key Facts Remarks/Description
If Minimum Amount Due as per
the above turns out be higher
than Total Amount Due, then
Minium Amount Due would be
equal to Total Amount Due.
Method of Payment Periodic payment through
Standing Instruction (NACH) OR
One time payment via NEFT/
Cheque/MyCardApp/Online
(https://www.rblbank.com/?onli
neCardPayment=netBanking)
Billing Disputes Cardmember may send an
Resolution email or send RBL Bank
signed dispute form available
on website within 30 days
of issuance of statement
(https://www.rblbank.com/
downloadforms/credit-cards)
Complete Postal Card Services,
Address of Card RBL Bank Ltd.,
Issuing Bank Unit 306-311, 3rd Floor,
JMD Megapolis, Sohna Road,
Sector-48, Gurugram,
Haryana - 122018
Contact Details Toll-free number: 1800 102 6222
of Customer Care Email us at
Services cardservices@rblbank.com
Contact Details of Mr. Vikas Nigam
Official in case of - Call at 022-71432700 or
Grievance Redressal email at principalnodalofficer@
Escalation rblbank.com

The “Most Important Terms and Conditions”

(“MITC”) and all information herein is applicable
to all Credit Cards issued by RBL Bank Limited
(“RBL Bank”) are to be read and understood
in conjunction with the RBL Bank Credit
Cardmember Agreement and Product Terms
and Conditions (wherever applicable). The
MITC are subject to change at the discretion
of the Bank and in accordance with laws as
applicable from time to time.
2
A. FEES AND CHARGES
i. Annual membership fees payable by the
Cardmember
Credit Card Annual Annual Add-on
Variant membership membership Card
Fee (1st year) Fee (2nd year
onwards)
NIL (Insignia NIL (Insignia NIL
Preferred Preferred
Banking Banking
Customer) Customer)
Insignia
Preferred INR 7,000 INR 7,000 NIL
Banking (waived off
Credit Card on eligible
annual
spends of
INR 10 lakh
or more)
NIL (Insignia NIL (Insignia NIL
Preferred Preferred
iGlobe Banking Banking
Customer) Customer)
INR 3,000 INR 3,000 NIL
Icon INR 5,000 INR 5,000 INR 200
World Safari INR 3,000 INR 3,000 INR 200
RBL Bank INR 3,000 INR 3,000 INR 200
MoneyTap
Black
RBL Bank INR 3,000 INR 3,000 INR 200
Blockbuster
Credit Card
Platinum INR 2,500 INR 2,500 INR 200
Maxima Plus
Platinum INR 2,000 INR 2,000 INR 200
Maxima
Platinum INR 1,000 INR 1,000 INR 200
Delight (waived off
on eligible
annual
spends of
INR 2 lakh or
more)

3
Credit Card Annual Annual Add-on
Variant membership membership Card
Fee (1st year) Fee (2nd year
onwards)
RBL Bank INR 1,000 INR 1,000 INR 200
Popcorn
Credit Card
RBL Bank INR 1,000 INR 1,000 INR 200
Movies & (waived off
More Credit on eligible
Card annual
spends of
INR 1.5 lakh
or more)
Titanium INR 750 INR 750 INR 200
Delight (waived off
on eligible
annual
spends of
INR 1.5 lakh
or more)
MoCash INR 500 INR 500 INR 200
(waived off
on eligible
annual
spends of
INR 1 lakh or
more)
Shoprite INR 500 INR 500 INR 200
(waived off
on eligible
annual
spends of
INR 1.5 lakh
or more)
RBL Bank INR 500 INR 500 INR 200
Play Credit (waived off
Card on eligible
annual
spends of
INR 1.5 lakh
or more)

4
Credit Card Annual Annual Add-on
Variant membership membership Card
Fee (1st year) Fee (2nd year
onwards)
RBL Bank INR 1,499 INR 1,499 INR 200
Paisabazaar (waived off on
Duet Plus eligible annual
Credit Card spends of
INR 4 lakh or
more)
RBL Bank INR 500 INR 500 INR 200
Paisabazaar
Duet Credit
Card (earlier
known as
“Paisa on
Demand”)
issued before
Sep 01, 2022
RBL Bank NIL NIL INR 200
Paisabazaar
Duet Credit
Card
RBL Bank INR 499 INR 499 INR 200
Fun+ Credit (waived off on
Card eligible annual
spends of INR
1.5 lakh or
more)
RBL Bank INR 499 INR 499 INR 200
MoneyTap (waived off
on eligible
annual
spends of
INR 2 lakh or
more)
RBL Bank NIL NIL INR 200
Lazypay Credit
Card
RBL Bank INR 1,499 INR 1,499 INR 200
Bank Bazaar
SaveMax Pro

5
Credit Card Annual Annual Add-on
Variant membership membership Card
Fee (1st year) Fee (2nd year
onwards)
RBL Bank NIL NIL INR 200
Bank Bazaar
SaveMax
YOUnique Custom Fee Custom Fee INR 200
(customisable)
Cookies (for INR 500 INR 500 INR 200
cards issued
before May
10, 2021)
RBL Bank INR 1,999 INR 1,999 INR 200
Platinum (waived off on
LifeEasy eligible annual
spends of INR
3.5 lakh or
more)
RBL Bank INR 499 INR 499 INR 200
Platinum (waived off on
Choice eligible annual
spends of
INR 50,000 or
more)
RBL Bank INR 499 INR 499 INR 200
Platinum (waived off on
Classic eligible annual
spends of
INR 50,000 or
more)
RBL Bank INR 499 INR 499 INR 200
Platinum
Advantage
RBL Bank INR 499 INR 499 INR 200
Platinum (waived off on
ShopSmart eligible annual
spends of
INR 50,000 or
more)

6
Credit Card Annual Annual Add-on
Variant membership membership Card
Fee (1st year) Fee (2nd year
onwards)
RBL Bank INR 499 INR 499 INR 200
Platinum (waived off
ShopDaily on eligible
annual
spends of
INR 50,000 or
more)
RBL Bank INR 999 INR 999 INR 200
Platinum Plus (waived off
on eligible
annual
spends of
INR 1 lakh or
more)
RBL Bank INR 999 INR 999 INR 200
Platinum (waived off
Bonus on eligible
annual
spends of
INR 1 lakh or
more)
RBL Bank INR 1,499 INR 1,499 INR 200
Platinum (waived off
ShopGain on eligible
annual
spends of
INR 1.5 lakh
or more)
RBL Bank INR 999 INR 999 INR 200
Platinum (waived off
TravelEasy on eligible
annual
spends of
INR 1 lakh or
more)
RBL Bank INR 999 INR 999 INR 200
Platinum
Prime
RBL Bank INR 999 INR 999 INR 200
Platinum Max

7
Credit Card Annual Annual Add-on
Variant membership membership Card
Fee (1st year) Fee (2nd year
onwards)
RBL Bank INR 1,999 INR 1,999 INR 200
Platinum Edge (waived off
on eligible
annual
spends of
INR 2 lakh or
more)
RBL Bank INR 999 INR 999 INR 200
Binge (waived off
on eligible
annual
spends of
INR 1 lakh or
more)
RBL Bank INR 2,999 INR 2,999 INR 200
World Prime
RBL Bank INR 2,999 INR 2,999 INR 200
World Max
RBL Bank INR 4,999 INR 4,999 INR 200
World Plus
RBL Bank INR 499 INR 499 INR 200
EasySaver
RBL Bank INR 999 INR 999 INR 200
MyFirst
RBL Bank INR 499 INR 499 INR 200
Platinum (waived off
ValuePlus on eligible
annual
spends of
INR 50,000 or
more)
RBL Bank INR 1,499 INR 1,499 INR 200
Patanjali
Swarn Card
RBL Bank INR 499 INR 499 INR 200
Patanjali
Vishisht Card

8
Credit Card Annual Annual Add-on
Variant membership membership Card
Fee (1st year) Fee (2nd year
onwards)
IRCTC RBL INR 500 INR 500 INR 200
Bank Credit
Card
RBL Bank DMI INR 499 INR 499 INR 200
Finance Credit
Card
IndianOil RBL INR 500 INR 500 INR 200
Bank Credit
Card
IndianOil RBL INR 1,500 INR 1,500 INR 200
Bank XTRA
Credit Card
RBL Bank INR 499 INR 499 INR 200
SalarySe UP (Waived off
Credit Card on eligible
annual
spends of
INR 2 Lacs in
previous year)
RBL Bank INR 500 INR 500 INR 200
novio Credit
Card
RBL Bank INR 1,499 INR 1,499 INR 200
novio Premier
Credit Card
TVS Credit INR 1,500 INR 1,500 INR 200
RBL Bank
Gold Credit
Card
TVS Credit INR 500 INR 500 INR 200
RBL Bank
Credit Card
Mahindra INR 500 INR 500 INR 200
Finance RBL
Bank Astra
Credit Card

9
Credit Card Annual Annual Add-on
Variant membership membership Card
Fee (1st year) Fee (2nd year
onwards)
Mahindra INR 1,500 INR 1,500 INR 200
Finance RBL
Bank Astra
Club Credit
Card

ii. Monthly fees payable by the Cardmember

Credit Card Monthly Monthly Fee Add-on
Variant Fee (2nd month Card
(1st month) onwards)
Cookies (for INR 100 INR 100 INR 200
Cards issued (waived off
after May 10, on monthly
2021) spends of INR
5,000 or more
in the Previous
month)
Monthly Treats INR 100 INR 100 INR 200
(waived off
on eligible
monthly
spends of INR
5000 or more
in the previous
month)
Annual Membership Fee (1st year) shall be levied
post first debit transaction on the credit card and
will reflect in the Credit Card Statement issued
to the Cardmember.
a. Annual Membership Fee for the second year
and for each subsequent membership year
thereafter shall be levied at the beginning of
each membership year, and the same shall
be reflected in the corresponding Credit Card
Statement. The annual fees applicable on
various Credit Card(s) issued by RBL Bank
10
 may vary from Cardmember to Cardmember,
and the type of Credit Card. The applicable
fees shall be as communicated to the
Cardmember at the time of applying for the
Credit Card and/or at the time of issuance
of the said Credit Card. Further, such fees,
as applicable, are directly charged to the
Cardmember’s Account and are indicated on
the Card Statement accordingly. Please refer
to the Product Terms & Conditions (wherever
applicable) for detailed terms of spend linked
reversal Membership Fee (if any).
b. Cardmember have the option of free look
period for first 45 days from the date of
card issuance. In case the Cardmember
wishes to cancel the Credit Card within
this period for any reason, the cardmember
may call the customer services to initiate
the cancellation. This cancellation option
is applicable in case of NIL principal
outstanding and welcome benefit not
utilised.
iii. Other Fees and Charges
Add-on Card Fees INR 0-200 per Add-on
Cardmember
Card Replacement NIL, unless mentioned
(lost/ Stolen/Reissue/ otherwise
any other Replacement)
Duplicate Statement NIL
Fee
Foreign Currency 3.5% on all cards
Transaction/Dynamic 1.5% on Insignia, Insignia
& Static Conversion Prime and iGlobe Credit Cards
Transactions - Markup 0% on World Safari Credit
Charges Card
Cash Payment at RBL INR 100/- Cash deposit
Bank Branches charges on transactions done
at RBL Bank Branch

11
Surcharge on IRCTC Service Charges +
Purchase/ Payment Gateway transaction
Cancellation of charges (up to 1.8% of ticket
Railway Tickets amount + IRCTC service
charges). Refer IRCTC website
for details.
Fuel Transaction 1% surcharge on fuel
Charge for transaction value or
transactions made at INR 10/- whichever is higher
petrol pumps in India (dependent on merchant bank)
to purchase fuel
Overlimit Fee NIL
Goods and Services A standard rate of 18% will be
Tax charged as per Govt. norms
Reward Redemption Reward redemption fee of
Fee INR 99 + GST will be applicable
on redemption of your available
reward points earned on all
Credit Cards. (Redemption fee is
not applicable for Insignia cards,
Insignia Prime cards)
www.rblrewards.com
Cheque Return/ INR 500 for all RBL Bank
Dishonour Fee Auto Credit Cards
Debit Reversal-Bank
Account out of Funds
Merchant EMI a processing fee of 1.5%
Processing Fee** of the amount or INR 150/-
(whichever is higher) will be
levied for merchant EMIs
availed at any online/offline
store
Fee on Rental 1% fee on transaction amount
Transactions will be levied on all rental
transactions done on any
applicable merchant.
Merchant Category Code: 6513
Fee on Utility Spends a 1% fee will be charged on
aggregate utility spends of
more than INR 50,000 per
month per Card.
Merchant Category Code:
4900

12
Fee on Fuel and Auto a 1% fee will be charged on
Transactions each fuel and auto transaction
exceeding INR 10,000 subject
to a maximum of INR 3000 per
transaction. The transaction
amount includes surcharge
amount and purchase amount.
Merchant Category Codes:
0032, 2541, 4001, 5542, 5541,
5172
Fee on Selected a 1% fee will be charged
Merchants on on Education Payments
Education Payments made through third-party
applications such as Cred,
Phonepe, Cheqedu, Paytm,
Mobikwik, Nobroker, Housing.
com, Easemy deal, SUPERPE,
CHEQ. One, Bharatnxtedu,
Freecharge, Greenpay
Network, GBCash, PAYBIZ
TECHNOLOGIES, others
(Not limited to mentioned
merchants)
However, education payments
made via school/college
website or their POS machines,
no fees will be charged.
Merchant Category Codes:
8220, 8244, 8249, 8211, 8241,
8299

The Merchant Category Codes (MCC) applicable

to transaction are determined by the relevant
payment network including but not limited to
Visa, Master Card and Rupay. The Bank does not
define the merchant category.
All transactions carried out in Foreign currency
shall be subject to a markup fee as applicable.
Such markup fee will also apply to all transactions
carried out in Indian currency at an International
location (or) at Merchants that are located in
India but registered overseas.

13
Transactions made at merchant establishments
that are registered overseas shall incur cross-
border charges, regardless of whether the
merchant is physically located within India.
**For detailed terms of Merchant EMI processing
fee, please refer Merchant EMI terms and
conditions on RBL Bank Website.
Base reward points will not be accrued on EMI
conversion of retail transactions for all RBL
Bank Credit Cards. This includes converting
retail transactions to EMI (Split-N-Pay) and EMI
conversion requests placed at the time of making
transactions at POS/Web/Mobile App.
Important information for foreign currency
transactions : Any transaction made in currency
other than Indian Rupees shall be converted into
Indian Rupees. The conversion will occur on the
day the transaction is settled with RBL Bank,
which may not be the same date on which the
transaction was made. In an event a transaction
is carried out in currency other than US Dollar,
the amount will first be converted into US
Dollars, and subsequently, the US Dollar amount
will be converted into Indian Rupees. This two
step conversion rate defined by the authorized
payment network (MasterCard/VISA/RuPay)
applicable on the date of settlement.
Please note: that all conversions of foreign
currency transactions shall further attract
currency conversion factor assessment
(currently 3.50%, 1.5% for Insignia/Insignia
Prime/iGlobe Credit Card, 0% for World Safari
Credit Card) on such transactions. Markup fee
will be levied on all transactions carried out in
Indian Currency at an international location or

14
at merchants which are located in India but
registered overseas. Markup fee will be similar
to Forex charges for each product.
a. Cash advance fees
Cash 2.5% of the cash amount
Withdrawal withdrawn
Charges (Minimum INR 500/-)

The Cardmember can use the Credit Card

to withdraw cash from any ATMs in India
and/or overseas in accordance with the
compatibility of the Credit Card at the said
ATM(s).
b. Cash Withdrawal Charges/Transaction Fee:
As mentioned above, fee shall be levied on
such withdrawals and would be billed to
the Cardmember in the nextforthcoming
statement. The transaction fee is subject to
change at the sole discretion of RBL Bank.
Further, all cash withdrawal transactions
shall also carry a Finance Charge (as
provided below) from the date of withdrawal
until the date of full and final payment.
The cash advance fee is also applicable
for transactions made in the following
merchant category Quasi cash and Money
Transfer with merchant category codes
(MCCs: 6050, 6051, 4829, 6012).
c. Interest-Free (Grace) Period: The interest-
free credit period can range between 17 to
50 days subject to the scheme applicable
on the Credit Card. However, such credit
period is not applicable, if the previous
month’s balance has not been cleared in
full or if the Cardmember has withdrawn
cash from an ATM.

15
 Illustration
For instance, the RBL Bank Credit Card has
an interest-free credit period of 50 days.
This means that a Cardmember who has a
billing date of 4th of June can spend on his
Card from 5th June to 4th July, his bill will be
generated on 4th July and his Payment Due
Date will be 24th July. Hence a purchase
made on 14th June will have a credit period
of 41 days, while a purchase made on 2nd
July will have a credit period of 23 days.
This period will be free of interest for retail
transactions and if all previous dues are
paid in full and there is no unpaid balance
carried over from previous months.
iv. Finance Charges for both revolving credit
and cash advances
When a Cardmember does not make the
payment of the total amount due as per
previous billing statement by the payment
due date, Finance charges shall be payable
at a monthly percentage rate on all such
transactions till the outstanding due is paid
in full. These Finance charges include (i)
Deferred Finance charges which are levied
on transactions made in the first cycle
and duration of this interest calculation
would be from the transaction date till the
billing date of the first statement in the
Interest free period. (ii) Finance charges
are levied on the beginning balance and on
new transactions of the current statement
cycle. From next statement, these charges
will be consolidated under Finance
charges only. The Finance Charges shall
also accrue on cash withdrawal at ATMs,

16
 from the date of cash withdrawal until the
payment is made in full.

Applicable Finance Charges

Secured Credit For RBL Bank Credit Card - 2.5%
Cards per month or 30% per annum
Insignia Credit 3.4% per month or 40.8% per
Cards annum
All other Credit Up to 3.99% per month or 47.88%
Cards per annum*
Dial for Cash Loan 3.35% per month or 40.20% per
Account** annum
** a. Not applicable for loan onboarded from
1st April, 2024 onwards.
b. Not applicable for all running loan from 1st
July, 2024 onwards.
the following finance charges will be applicable
on all other credit cards:
CATEGORY/Bureau Finance Charges
Score
CATEGORY A (>775) 3.35% per month or 40.20%
per annum
CATEGORY B (725-775) 3.85% per month or 46.20%
per annum
CATEGORY C (<725) 3.99% per month or 47.88%
per annum
Bureau Score is as per TransUnion CIBIL Limited
(Subject to change Quarter on Quarter).
*Maximum interest rate is 3.99% per month
or 47.88% per annum. RBL Bank may in its
sole discretion change, modify and alter the
Finance charges as applicable on Credit Cards
basis Cardmember’s credit score, spends, limit
utilization and payment patterns. Any change in
the rate of the applicable Finance Charges will
be communicated to Cardmember in their Billing
Statement. In case, the Cardmember would like

17
to know the applicable rate of interest on their
Credit Card, Cardmember must reach us at our
customer service (details given in later sections).
Finance charge will be levied if the total amount
due is not paid by the payment due date.
Interest will be charged on the total amount
due including any unpaid EMI’s and on all new
transactions (from the transaction date) till
such time as the previous outstanding amounts
are paid in full.
Interest is calculated on a daily basis at the
end of every day, basis the current outstanding
balance of the Cardmember.
Illustration of Interest Charge calculation :
If only part of outstanding amount is paid by
the payment due date. Statement date is 2nd
of every month, the interest calculation will be
illustrated on the next page.
Transactions
Date Transaction Amount
12-12-2018 Purchase of INR 6,000/-
Groceries
26-12-2018 Purchase of Clothes INR 4,000/-
02-01-2019 Membership Fees INR 499/-
02-01-2019 GST INR 89.82/-
02-01-2019 Statement Date Total Amount Due =
INR 10,588.82
Minimum Amount
Due = INR 1,088.82
10-01-2019 Hotel Transaction INR 4,000/-
15-01-2019 Mobile Bill Payment INR 2,000/-
22-01-2019 Payment Credit INR 1,088.82/-
02-02-2019 Statement Date Total Amount Due =
INR 16,431.84
Minimum Amount
Due = INR 956.63

18
Interest on the amount due will be charged as
below : The annual interest rate is 47.88% which
translates to 3.99% per month. Therefore, daily
Interest = Outstanding amount*(3.99%*12
months/365 days).
Interest Calculation :
Transaction Period Number Amount
Amount of Days
INR 6,000/- 12 Dec 2018 to 01 21 165.28
Jan 2019
INR 4,000/- 26 Dec 2018 to 01 7 36.73
Jan 2019
INR 6,000/- 02 Jan 2019 to 21 20 157.41
Jan 2019
INR 4,000/- 02 Jan 2019 to 21 20 104.94
Jan 201
INR 4,000/- 10 Jan 2019 to 02 24 125.93
Feb 2019
INR 2,000/- 15 Jan 2019 to 02 19 49.85
Feb 2019
INR 9,500/- 22 Jan 2019 to 02 12 149.54
Rem after Feb 2019
adjusting
payment of
INR 1,088.82
(INR 588.82
will be used
for GST &
membership
fees payment)
Deferred 202.01
Finance
Charges
Finance 587.68
Charges
GST 142.15
Total 931.84
Finance
charges
+ GST

19
Thus the total interest charged will be:
INR 931.84/- (inclusive of Applicable Taxes)
GST will be levied at the applicable rate on the
interest amount.
The unpaid charges/levies/taxes shall not
be capitalized for charging/compounding of
interest.
v. Late Payment Charges
Late Payment Fee (INR)
12.5% of Total Outstanding Amount
Min INR5/- Max INR1,300/-

Applicable Late Payment Fee for Dial For Cash

loan is INR 1,000 for all running loan accounts.
Late Payment Fee (”LPF”) is applicable if no
payment or a payment less than the Minimum
Amount Due (”MAD”) is paid by the Cardmember
on the due date.
Grace period of 3 days from the payment due
date is provided for Card Accounts, where
payments are not overdue. The payment due
date as specified on the credit card statement is
the date by which funds must be credited to the
Card Account, however these 3 grace days are
provided to accommodate for the processing
time of payments.
Illustration:
On the LPC assessment date, if Net payments
(including payment reversals if any) is lesser
than the Minimum due amount, then the Late
payment charges are levied on the outstanding
amount. {Outstanding amount = Statement
Total Amount due – Net Payments} All
payments made before late fee assessment will
be considered during calculation of outstanding
amount.
20
E.g.
LPC Illustration - Net Payments < Min. Due
Date Event Amount (INR)
1st May, 2022 Statement Generated –
Total Amount Due 9800.00
Minimum Due 490.00
18th May, 2022 Payment Made - 1 200.00
19th May, 2022 Payment Made - 2 100.00
19th May, 2022 Sales Refund 100.00
20th May, 2022 Payment Due Date –
LPC levied on only
1,175.00 +
23rd May, 2022 Outstanding balance
18% GST
of INR 9400

a. Sales reversals or Refunds received by

the Cardmember will also change the
outstanding amount. All refunds received
till Payment due date (PDD) + 3 will get
reduced from the Statement TAD. Reversals/
refunds received post PDD will not affect
the outstanding amount.
E.g.
Net Payments < Min. Due | Refunds & Reversals
after Due Date
Date Event Amount
(INR)
1st May, 2022 Statement Generated –
Total Amount Due 9,800.00
Minimum Due 490.00
18th May, 2022 Payment Made 100.00
19th May, 2022 Sales Refund – 1 200.00
20th May, 2022 Payment Due Date –
LPC levied on only
1187.50 +
23rd May, 2022 Outstanding balance
18% GST
of INR 9,500
25th May, 2022 Sales Refund – 2 2,500.00

21
b. Disputes raised for previous cycle
transactions and are released in favor of
Cardmember during the current cycle will
reduce the outstanding amount considered
for late fee assessment. Disputes raised for
current cycle transactions and not settled
in favor of Cardmember will not impact the
outstanding amount (On which the late fee
assessment is made).
c. EMI conversions & cancellations will also
impact the outstanding amount. EMI
conversions of previous cycle transactions
will reduce the outstanding amount,
whereas EMI cancellation of previous cycle
transactions will increase the outstanding
amount considered for late fee assessment.
d. LPC will be levied only when the Card
Account remains ‘past due’ for more
than three days. The number of ‘days past
due’ and LPC shall be calculated from the
payment due date.
e. Overlimit Fee
Overlimit fee NIL

(B) WITHDRAWAL LIMITS

Credit Limit and Cash Withdrawal Limits are the
maximum assigned limits communicated at the
time of delivery of the Credit Card and are also
indicated on the monthly statements, available
for use across all Credit Card Accounts. Total
Amount Due including all transactions, fee
charges should not exceed this limit. Add-on
Cardmember share the same limit. In case the
Cardmember has availed of any other facility
within the total Credit Limit on the Card, the
outstanding loan amount will also be deducted
from the total Credit Limit. The Bank will at its

22
sole discretion determine your Credit and cash
withdrawal limit and communicate the same in
the card carrier and in the monthly statements.
a. Credit Limit
Credit limit sanctioned on the Card Account
may be subject to revision from time to
time, based on the review conducted
by the Bank in accordance with Bank
policies. The Bank reserves the right to
reduce Cardmember Credit Limit under
circumstances including, but not limited
to, inactivity on the Card Account, payment
defaults, Credit Limit Utilization. In the event
of Credit Limit reduction, Cardmembers
may submit request to restore the Credit
Limit by contacting the Bank’s designated
customer service unit. Cardmember may
require to submit additional documents
as part of process and any decision to
restore the Credit Limit will be at the sole
discretion of the Bank. Total Credit Limit
and available Credit Limit across all your
Card Accounts, including any Add-on Card
will be reflected in the monthly statement
and is available for use across all such Card
Accounts. The Bank will not honour any
transaction authorizations that exceed the
approved Card Limit. In the event that the
Credit Card is cancelled, the Credit Limit and
Card Account shall be terminated
b. Available Credit Limit
The available credit limit at any time is the
difference between assigned total credit
limit & utilized limit on the Credit Card at
that point of time. The credit and cash limits
will vary for each Cardmember and will be
disclosed in the monthly statement sent to
the Cardmember.
23
c. Cash withdrawal limit
Cash Withdrawal Limits are mentioned in
Monthly Statements. The Cardmembers will
be able to use the Card to access cash from
select ATM (Automated Teller Machine).
In the event you make payment over and above
the amount due as per the monthly Statement,
you shall not be entitled to interest on the credit
balance and the same shall be adjusted against
the amount due in the subsequent monthly
Statements.
C. TERMS AND CONDITIONS FOR USAGE
OF RBL BANK RUPAY CREDIT CARD ON
UPI (UNIFIED PAYMENT INTERFACE)
These terms and conditions form the contract
between the Cardmember and the RBL Bank
and shall be in addition to and not in derogation
of the terms and conditions listed in this
MITC. Usage of RBL RuPay Credit Card on
UPI applications by the Cardmembers shall
be construed as deemed acceptance of these
Terms and Conditions, mentioned herein below.
Definitions
a. “Merchant/s” shall mean and include online,
mobile third-party applications based and
offline merchant who provides goods and
services in exchange for payment through
UPI.
b. “NPCI” stands for National Payment
Corporation of India, a company
incorporated in India under Section 25 of
the Companies Act, 1956.
c. “UPI” refers to Unified Payments Interface
Service offered by NPCI in collaboration
with its member banks/entities.
d. “UPI PIN” means authentication credentials

24
 set by the Cardmember/customer, which
shall be entered by the Cardmember/
customer in the UPI apps for authentication
and completion of the Transaction through
the UPI app.
Terms of Services
a. The UPI functionality will be provided
subject to approval of RBL Bank RuPay
Credit Card at the request of the User and
may be altered/ paused/discontinued
by RBL Bank at any time, without prior
intimation to the Cardmember.
b. This UPI functionality is only available to
RBL Bank Credit Card on RuPay network.
c. In line with NPCI guidelines, during the
onboarding of RBL Bank Credit Card on
the UPI apps, the device binding and UPI
PIN setting shall include and be construed
as Cardmember/customer consent for
Credit Card enablement for all types of
transactions on the UPI. For International
transaction enablement, the existing
process as per extant regulatory guidelines
shall apply.
d. To avail the UPI functionality, the
Cardmember has to use the registered
mobile number linked with their RBL Bank
RuPay Credit Card for linking with UPI
application.
e. Cardmember will have to set a 6-digit
UPI PIN to activate UPI facility on RBL
Bank RuPay Credit Card and authenticate
payment transactions via UPI applications.
The 4-digit Credit Card PIN is different and
will not be considered for authenticating
UPI transactions.
f. Cardmember shall be responsible for
the confidentiality of their UPI account’s
password and the UPI PIN and shall be
25
 solely responsible for all activities that
occur using their UPI account’s password,
UPI PIN and mobile phone on which the UPI
application(s) are installed.
g. Cardmember can avail this UPI functionality
only to make Peer-to-Merchant (P2M)
transactions allowed on RuPay network.
h. Transactions on Peer-to-Peer (P2P), Card-
to- Card (C2C), Peer-to-Peer-Merchant
(P2PM), digital account opening. lending
platform, cash withdrawal at merchant,
cash withdrawal at ATM. ERUPI, IPO, Foreign
Inward Remittances, mutual funds and any
other categories as restricted by the RBL
Bank or RBI are not allowed.
i. All the UPI transactions on RBL Bank RuPay
Credit Card will be subject to both credit
card limits provided to customer by RBL
Bank and the existing UPI transaction limits
as set by NPCI (whichever is lower).
j. Any fee, finance charges, surcharges or
mark- ups applicable on Credit Card
transactions will be applicable as is RuPay
Credit Card on UPI transactions.
k. Cash withdrawal facility is not allowed
from RBL Bank RuPay Credit Card on UPI
transactions.
l. Merchant EMI transactions are not allowed
from RBL Bank RuPay Credit Cards on UPI
transactions.
m. Any transaction done against RBL Bank
RuPay Credit Card on UPI will be deducted
from your existing credit card limit.
n. Charge back or refund can be raised by
connecting with RBL Bank or the third party
UPI Application on which the transaction
was completed.

26
o. The RBL Bank RuPay Credit Card on UPI
cannot be set as a default option to receive
funds.
p. In case of renewal or replacement of
RBL Bank RuPay Credit Card. user has to
re-register on third party UPI application
with updated Credit Card details.
q. In case of device change, user has to re-
register for credit card on third party UPI
application with same SIM. Application
installed in previous device will be de-
registered.
r. Cardmember will earn reward points
as defined in respective product terms
& conditions. However, offline UPI
transactions under INR 2000 done at small
merchants on RBL Bank RuPay Credit
Card will not be eligible for rewards points,
voucher benefits, milestone benefits or
any other product benefits, unless stated
otherwise. For clarity, small merchants in
this case means merchants with turnover
of not more than INR 20 lakh during the
previous financial year.
s. Cardmember can view further details about
the UPI facility on RBL Bank website.
t. The availability of UPI transactions also
depends on the availability or downtime of
UPI services at, or systems of, the NPCI, the
remitting bank/ entity and or the beneficiary
Bank.
u. Cardmember agree and undertake that
they shall keep RBL Bank RuPay Credit
Card harmless against any consequence
and risk that may arise due to any UPI
transactions undertaken by them through
the third party UPI applications and shall be

27
 solely responsible for any liability incurred
in execution of any instruction issued and/
or transactions initiated through the third
party UPI applications.
D. BILLING
a. Billing Statements
RBL Bank will send at Cardmember’s
registered email address or mailing
address, monthly statement with details
of payments credited and the transactions
debited to the Cardmember’s account
since the last statement date. In case
of any change in the Cardmember’s
communication address, Cardmember is
advised to contact RBL Bank immediately
to ensure all Credit Card Statements are
regularly received on time.
b. Minimum Amount Payable
Minimum Amount Due or MAD is the
minimum amount you are required to pay
to keep your Card Account in good credit
standing. MAD* is calculated as a sum
of Total GST + Current month EMI Debits
+ [Max of (100% of Fee/Charges + 5% of
(Retail Spends, Cash Advance, Interest)) or
INR 200] + previously unpaid MAD (if any)
+ Overlimit Utilization Amount (if any).If
Minimum Amount Due as per the above
turns out be higher than Total Amount Due,
then Minium Amount Due would be equal
to Total Amount. Due. *MAD calculation
on Platinum Advantage Credit Card will
change from current 20% of TAD to 5%
of TAD w.e.f. March 16, 2025. In the event
the Cardmember deposits part of the Total
Payment Due or the MAD (not less than the
MAD under any circumstance), the balance
outstanding amount payable shall be
28
 carried forward to subsequent Statements.
This will attract Finance Charges until the
date of full and final payment. In the event
payment for the MAD is not received, the
account will be reported as delinquent to
Bureau.
Note: Paying only the Minimum Amount Due
each month will result in prolonged repayment
periods and higher interest payment on
Cardmember’s outstanding balance.
Illustration: If a Cardmember spends INR 5,000/-
and pays exactly the Minimum Amount Due
every month, then it may result in the repayment
stretching over 6 years with consequent
interest payment on the outstanding amount.
Therefore, whenever cash flow allows, the
Cardmember should pay back substantially
more than just Minimum Amount Due.
RBL Bank may, at its sole discretion, at anytime,
without prior notice, withdraw the option to pay
only the MAD as described in the foregoing
clauses, in the relation to any Cardmember.
Unless otherwise agreed to by RBL Bank, any
payments received (including recovery in NPA
accounts not eligible for upgrade cases) from
the Cardmember against amounts specified in
the following order:
(i) Taxes (ii) EMI
(iii) Fees and Charges (iv) Interest Charges
(v) Payment towards retail purchases and cash
withdrawals;
If a Cardmember chooses to pay the Minimum
Amount Due, the payment amount will settle
the components of MAD in the order mentioned
above, resulting in settling the Interest charges
before settling the principal (retail & cash
withdrawal purchases) amount.

29
Notwithstanding anything contained herein
above: (i) RBL Bank may, at its discretion,
appropriate such payments towards the dues,
if any, payable by the Cardmember in respect of
other facilities availed of by the Cardmember
from RBL Bank; (ii) the order of appropriation
may be modified by RBL Bank at it’s discretion.
Excess amounts if any, remaining after such
appropriation may be appropriated against the
amounts, which are to be specified immediately
next statements to be generated by RBL Bank.
c. Method of payment
Payments towards the Card account may
be made in any of the following ways:
(a) Online Card Payment: Visit Card Payments:
www.rblbank.com > Payments > Credit Card
Payments
(b) Using RBL MyCard Mobile App
• Initiate payment through RBL MyCard
Mobile App
• To download the App, SMS MyCard to
5607011
(c) NEFT Payment
• Add your RBL Bank Credit Card as a
payee to initiate NEFT transfer.
• Payee Name: Name on the Card
• Payee Account Number: Credit Card
number
• Bank Name: RBL Bank
• IFSC Code: RATNØCRCARD
• Branch Location: NOC Goregaon,
Mumbai
(d) Using Cheque
• Drop your cheque in your nearest RBL
Bank Branch in favour of RBL Bank Card
<16 Digit Card No.>

30
 • Alternatively, courier your cheques to:
RBL Bank Limited, Unit: 306 – 311, 3rd
Floor, JMD Megapolis, Sohna Road,
Sector - 48, Gurgaon - 122 018, Haryana,
India.
d. Through Periodic Payments:
Cardmember may opt for Standing
Instruction (SI)/National Automated
Clearing House (NACH) on their Credit
Card. SI/NACH can be for Total Amount
Due (TAD) or Minimum Amount Due (MAD).
To download SI/NACH Forms, visit: https://
www.rblbank.com/download-forms/credit-
cards.
It may be noted that the amount applicable
for the SI/NACH execution is post
accounting for the credits (customer-
initiated payments, merchant refunds,
reward redemption credit/cash back,
charge reversal etc. if any) and debits
(payment reversals) received into the
account after the last statement/bill up to
a working day prior to the Payment Due
State. SI/NACH execution works on the
logic that either minimum of MAD or the
difference between TAD and credits will
get executed.
Customer initiated payments plays a key
role in deciding the amount of SI execution.
In the event of total amount due and the
net of credits debits (containing payments)
be equal or less to the total amount due,
SI/NACH will be executed for the net
difference of MAD and the payment received
if the difference is greater than INR Zero.

31
In case of payments by NACH/SI if the
payment due date is a holiday, the NACH/SI
will be presented on the previous working
day. Payments through cheque should be
made at least 3 days in advance to ensure
fund realization by payment due date.
If the payment instruction (NACH/SI) is for
MAD then –
Payment Customer SI/NACH
Instruction Scenarios TAD MAD initiated execution
Type payment
MAD A 2,000 200 0 (no 200
payment)
MAD B 2,000 200 100 100
(Payment
< MAD)
MAD C 2,000 200 200 0
(Payment
= MAD)
MAD D 2,000 200 400 0
MAD E 2,000 200 1,600 0
MAD F 2,000 200 1,900 0
MAD G 2,000 200 >=2,000 0

If the payment instruction (NACH/SI) is for

TAD then -
Payment Customer SI/ECS
Instruction Scenarios TAD MAD initiated execution
Type payment amount
TAD A 2,000 200 0 (no 2,000
payment)
TAD B 2,000 200 500 1,500
(Payment
< MAD)
TAD C 2,000 200 1,500 500
(Payment
= MAD)
TAD D 2,000 200 >=2,000 0

32
 If the Cardmember has a Non-Resident
Indian (NRI) status, then all payment(s)
towards the Credit Card Account should
be from the RBL Bank NRE Bank account.
Payment through any other mode will not be
accepted. RBL Bank reserves the sole right
to block or close the card forthwith. Refer to
Product T&C for more details.
Please note: Setting up of standing
Instructions from an RBL Bank NRE Savings
Account is mandatory for NRI Credit Card’s
bill payments.
E. BILLING DISPUTE RESOLUTION
In an event the Cardmember disagree with the
charges indicated in the statement, it should be
communicated to RBL Bank within 30 days of the
issuance of statement in writing falling which it
may be construed that all charges indicated in
the statement are in order. Cardmember may
email or send RBL Bank the signed dispute form
available on our website at (www.rblbank.com/
download-forms/ credit-cards).
If the aforesaid discrepancies are prima facie
found to be legitimate by the Bank, the Bank may
reverse the charge on a temporary basis until
the completion of subsequent investigations
by the Bank to its full and final satisfaction. If
the said investigations conducted by the Bank
indicate that the liability of such (discrepancies)
charges is accruing to the said Cardmember(s),
then the charge will be reinstated in the
subsequent Statement and fees/charges shall
be claimed by the Bank in accordance to the
charges indicated herein above. The Bank shall
not exceed duration of 60 days in informing the
said Cardmember(s) of the status/result of the
investigations conducted by the Bank.

33
For the transactions disputed as “fraud”, there
will be no charges levied and the Bank will
suspend reporting to credit bureaus till the
dispute is resolved.
Grievance redressal process
The Cardmember can contact the Bank through
any of the following communication channels
for any enquiries and/or redressal of concerns.
Level I:
You can call us at our Customer Care number at
1800 102 6222 or email to us at cardservices@
rblbank.com. For RBL Bank Credit Credit Call at
1800 102 6222.
Or you can write to us with your Card number
details at: Card Services, RBL Bank Limited,
Unit 306-311, 3rd Floor, JMD Megapolis, Sohna
Road, Sector - 48, Gurgaon, Haryana, India -
122018. We will respond to you within 10 days of
receiving your letter or email depending on the
nature of your query and the time required for
resolution and communication. Please provide
us with the following details while writing to us
to help us address your concerns.
• Your Full Name
• Your Contact Details (address, telephone
number and registered e-mail id)
Quote the reference number provided to you
in your earlier interaction along with your
account number/credit card number to help us
understand and address your concern.
Level II:
In case you are not satisfied with the resolution
provided, you may email to headcardservice@
rblbank.com. Do quote your Card number and

34
the reference number provided at level 1.
Response will be provided within 10 days.
You may write to Head Credit Card Services at -
Head - Cards Services, RBL Bank Limited, Cards
Operating Centre - COC, JMD Megapolis, Unit
No 306-311, 3rd Floor, Sohna Road, Sector 48,
Gurgaon, Haryana, India - 122018
Level III :
In case you are still not satisfied with the
resolution provided or if you have not received
any response within 10 days, you may contact
Mr. Vikas Nigam, Principal Nodal Officer, at the
following:
To,
Principal Nodal Officer,
RBL Bank Mr. Vikas Nigam
Call at 022-71432700
Mailing Address: RBL Bank JMD Megapolis,
Unit No. 306-311, 3rd Floor, Sohna Road,
Sector 48, Gurgaon, Haryana, India -122018
principalnodalofficer@rblbank.com
Our Principal Nodal Officer will endeavor to
resolve the issue to your satisfaction within
10 days. In case, the complaint needs more
time to be examined, the complaint shall be
acknowledged by explaining the need for more
time to respond.
Level IV :
If the reply from Principal Nodal Officer fails
to address your grievance OR if you have not
received any response from the Principal
Nodal Officer in 10 days, you may write to the
Reserve Bank Integrated Ombudsman under
the provisions of Reserve Bank Integrated
Ombudsman Scheme, 2021 (RBIOS,2021).
35
Visit rblbank.com/banking-ombudsman for
more details of the Reserve Bank Integrated
Ombudsman.
The Customer Compensation Policy of RBL
Bank Credit Cards can be referred at rblbank.
com/pdf-pages/bank-policies
F. DEFAULT AND CIRCUMSTANCES
a. Event of default & procedure for reporting
a Cardmember as a Defaulter
Occurrence of one or more of the following
event shall constitute an event of default
and RBL Bank at its sole discretion may
withdraw the Credit Card facility. The
events of default are as under:
i. If the Cardmember fails to pay the Minimum
Amount Due by Payment Due Date
ii. The Cardmember fails to perform the
obligations as per Cardmember Agreement;
iii. Any cheques and/or NACH/standing
instructions provided to the Bank are
not encashed/acted upon for any reason
whatsoever on presentation/being made.
iv. A n y re p re s e n t a t i o n m a d e b y t h e
Cardmember found to be incorrect, false,
or incomplete, including but not limited
to income and/or identification papers/
documents forwarded to the Bank being
proved incorrect, incomplete and/or
containing fraudulent information.
In an event of default the Bank will report
a Credit Card Account as ‘past due’ to
Credit Information Companies (CICs) only
when Card Account remains ‘past due’ for
more than 3 (three) days. The number of
‘days past due’ will be calculated from the

36
 payment due date specified in the Credit
Card Statement.
Before reporting a Cardmember as
delinquent to a Credit Information Company
(CIC), the Bank will provide a seven-day
notice period notifying the Cardmember of
its intent to report them as a defaulter. In
the event the Cardmember settles his/her
dues after being reported as a defaulter,
the Bank will update the status within a
month from the date of the settlement.
b. Procedure for withdrawal of default report
and the period within which the default
report would be withdrawn after settlement
of dues:
i. The defaulter in question has liquidated his
entire outstanding dues with the Bank or
settled his dues with the Bank.
ii. A court verdict has been issued against
the Bank, in a legal suit filed by or against
the Bank, instructing the Bank to de-list
the Cardmember from the default report.
Decisions are made on a case to case basis
upon individual reviews.
c. Recovery Procedure in Case of Default :
In the event of default, the Cardmember
will be sent reminders from time to time
for payment of any outstanding amount
on the Credit Card account using any of
the following modes: by post, telephone,
e-mail, SMS messaging, in-person follow up
and/or by engaging third parties to remind,
follow up and collect dues. Any third party
so appointed, shall adhere fully to the Code
of Conduct on debt collection as applicable
from time to time. Cardmember to note
that:

37
i. Letters might be sent at the mailing address
provided by the Cardmember to inform of
the overdue amount, payment due dates
and the subsequent delinquency fee levied
as well as the consequences of non-
payment.
ii. Telephone: Cardmember might be contacted
at Office/Residence Telephone and/or
Mobile number(s) to check the status of
their payments and to inform them of the
overdue amounts.
iii. Field visitation by an Authorized Recovery
Personnel appointed by RBL Bank including
any external agents would be done at the
contact address of the Cardmember.
iv. The Recovery Personnel would advise
the Cardmember for regularizing his/her
overdue account and would also address
any issues/concerns that the Cardmember
may have on his/her Card Account.
The debt collection policy of the Bank
is built around dignity and respect to
Cardmember. The policy is built on
courtesy, fair treatment and persuasion.
The Bank believes in following fair
practices with regard to collection of
dues and thereby fostering customer’s
confidence and long-term relationship.
Detailed Policy on Collection of Dues and
Repossession of Security is available on
https://www.rblbank.com/bank-policies
d. Recovery of dues in case of death/
permanent in-capacitance of Cardmember:
Upon death or permanent incapacitation
of the Cardmember, the Bank will try to
recover the amount due and amicably settle
the Account dues with the Cardmember’s
legal heir.

38
e. Available insurance cover, for Cardmember
and date of activation of policy including
nomination details
Select Credit Card variants offer
complimentary insurance coverage for the
Cardmember. The policy coverage starts
from the date of the Credit Card set up. For
information on updating nominee details
and terms and conditions, please refer to
Product Terms & Conditions.
G. TERMINATION/REVOCATION SURRENDER
OF CARDMEMBERSHIP
a. Procedure for surrender of Credit Card
by Cardmember
The Cardmember may terminate the Card
Account at any time by returning to the
Bank all the Credit Card(s) cut diagonally
in half across the magnetic strip. This can
be done with a written request or followed
by call to the Bank’s 24 Hours Customer
Service Helpline (1800 102 6222 or
cardcancellation@rblbank.com) to request
termination of all facilities and benefits
thereto associated with the Credit Card(s).
The Primary Cardmember may also cancel
the use of Add-on Card(s) by notifying the
Bank in writing but, notwithstanding the
same, the Primary Cardmember will remain
liable for all charges and fees incurred by
use of the Add-on Credit Card(s). Annual
fees and/or other charges will not be
refunded on a pro-rata basis.
The Cardmember should complete
payments to cover the balances on their
respective Credit Card, EMI & Short-Term
Personal Loan accounts associated with
the Card.

39
 Bank will not close the Credit Card if any
“Dial For Cash” loan account is active
wherein outstanding balance is more than
zero. Cardmember must settle the total
outstanding on Dial For Cash account
(including foreclosure charges) and raise a
pre closure request. Once the “Dial For Cash”
account is closed, the Cardmember can
clear all outstanding dues on his/her credit
card and request for closure of the card.
b. Link provided exclusively for the above on
the website
In case any Cardmember wishes to close/
surrender the Credit Card, they may place
the request through below link:
https://www.rblbank.com/block-channel
c. Contact details for the Cardmember to
initiate closure –
Channels Contact Details
Phone RBL Bank Credit Card Helpline:
Banking / +91 22 6232 7777
IVR +91 22 7119 0900
Toll-free: 1800 102 6222
Email-id RBL Bank Credit Card Helpline:
cardcancellation@rblbank.com
Once the request is raised through the
above channels, no transaction can be
made using the Credit Card with immediate
effect, as the same will be blocked.
d. Procedure for closure of Card Account if
the Credit Card has not been used for over
one year
If the Credit Card is not used for a period of
1 (one) year the CrediCard is automatically

40
 closed due to long term inactivity in
compliance with RBI guidelines.
e. Termination/Revocation by RBL Bank
i. The Bank reserve the right to terminate
the Credit Card facility at any time as
its discretion or at any time restrict the
use stating or assigning the reason or
cause of the same with due notice to the
Cardmember. The Cardmember should
not use the card for transactions related
to online forex trading, lotteries, betting,
gambling, Bitcoins or any form of virtual
currency. Upon termination of the Credit
Card facility, all amounts outstanding on the
Card Account (including Charges or Cash
Advances not yet debited) will become
due and payable immediately. The Bank
may notify all establishments (where the
Credit Card is valid/accepted) of the Credit
Cards cancellation. If the Credit Card is
cancelled, the Cardmember must cut it
diagonally in half and return both halves
to the Bank immediately. No annual fees
or other charges shall be refunded on the
pro-rata basis.
ii. In the event that the Cardmember
changes his/her employment, profession
or address, or is transferred from his/her
present place of posting, or changes his/
her salary account/ main bank account
etc. (as the case may be), the Bank at its
sole discretion shall reserve the right to
discontinue the Credit Card facility. The
Cardmember specifically acknowledges
that once the Credit Card Account is
cancelled/closed, the privileges (including
all benefits and services) of the Credit Card

41
 shall stand withdrawn, and reinstatement
such privileges is not automatic and will
take place solely at the discretion of the
Bank. On cancellation of the Credit Card (for
any reason whatsoever), the Cardmember :
• Must not use the Credit Card, cut the
Card diagonally into half, and return the
same to the Bank
• Is responsible for any use of the Card
including payment of Charges until
the Card is returned to the Bank cut
diagonally into half.
• Must continue to make payments to the
Bank in accordance with the conditions
of use of the Credit Card.
f. If Cardmember’s Credit Card is not
activated /used within the first 30 days
from the date of issuance, any benefit
associated with the Card Account shall
be withdrawn by the Bank within seven
working days, as per the guidelines issued
by the regulatory authorities.
g. Closure of Card due to long term inactivity.
As per RBI guidelines, non usage of Credit
Cards for a period of 1 year will lead to
permanent closure of Credit Card. In case
of inactivity of over 1 Year, Bank will send a
notice of 30 days to respond/reply prior to
permanent closure of Card at the end of 30
days notice period.
h. The credit card issued to you is strictly
for personal use and must not be used
for business transactions or for activities
such as online forex trading, lotteries,
betting, gambling, Bitcoin, virtual currency,
or any other prohibited purposes; if such
transactions are detected, the bank

42
 reserves the right to terminate the card
account.
H. LOSS/THEFT/MISUSE OF CARD
a. Procedure to be followed in case of loss/
theft/misuse of card - mode of intimation
to Card Issuer
The Cardmember must notify RBL Bank
immediately by calling Customer Service at
the 24 Hours Toll Free Number in the event
the Credit Card is lost, stolen, not received,
swallowed at an ATM of RBL Bank or any
other Bank, or is being misused without his/
her respective permission. In addition, in
case of loss theft misuse, the Cardmember
must file the Police Complaint/First
Information Report (FIR), a copy of which
be forwarded to the Bank. To contact us:
https://www.rblbank.com/contact-us
b. Contact Details/Methods to Block Credit
Card:
If customer suspects any unauthorised
transaction, Cardmember should inform
the Bank through the channels mentioned
below:
Channels Path/Contact details
Website: https://www.rblbank.com/block-
channel
MyCard App MyCard App Home Page > My
Account > Settings > Profile
Setting > Report Dispute or
Fraud > Fraud > Block/Block
and Replace
Phone RBL Bank Credit Card Helpline:
Banking / +91 22 6232 7777
IVR +91 22 7119 0900
Toll-free: 1800 102 6222

43
c. Liability of Cardmember in case of (i) above
i. The Cardmembers are advised to promptly
notify the Bank of any unauthorised
electronic banking transaction at the
earliest through any of the channels notified
by the Bank, after the occurrence of such
transaction, as longer the time taken to
notify the Bank, the higher will be the risk
of loss to the Cardmember.
ii. To facilitate, the Bank provides Cardmember
with 24x7 access through multiple
channels (website, phone banking, e-mail,
IVR, a dedicated toll-free helpline, mobile
application, etc.) for reporting unauthorised
transactions that have taken place and/ or
loss or theft of Credit Card.
iii. In case of loss/theft/misuse of card, the
Bank shall be guided by the ‘Customer
Compensation and Protection Policy’
updated on the website of the Bank which
has been formulated based on the RBI
circular on Customer Protection – Limiting
Liability of Customers in Unauthorised
Electronic Banking Transactions’ as
updated from time to time.
Customer Compensation and Protection Policy:
https://www.rblbank.com/bank-policies
I. DISCLOSURE
a. RBL Bank may share all relevant
information regarding the Cardmember
repayment history, etc. with Credit
Information Bureaus or to such other
agencies as approved by law. RBL Bank
reserve the right to retain the application
forms and documents provided therewith,
including photographs, and will not return
the same. The Cardmember hereby
expressly authorises the Bank, for the
44
 purposes of credit verification or reference
checks or protection of its interests to
disclose all/any information or documents
relating to the Cardmember including this
Agreement and/or any other agreements,
or the disclose upon default committed
by the Cardmember, with Reserve Bank of
India, Income Tax Authorities, tribunals,
courts, judicial bodies other banks, credit
bureau, financial institutions or any other
third party in conformity with the disclosure
norms as applicable from time to time.
b. The Cardmember hereby agrees that, only
in case of an explicit consent provided by
the Cardmember, the information furnished
by the Cardmember in the credit card
application form or otherwise may further
be used by Bank for marketing purposes to
sell Card-related offers, including but not
limited to EMI offers, cash-related offers
and insurance products, from time to time.
Further, the Bank may use this information
to market other products of Bank from time
to time, in conformity with the disclosure
norms as applicable. For ensuring that the
Cardmember(s) are not inconvenienced,
the Bank maintains a “Do Not Call” register
and if Cardmember(s) will not like to be
called for any marketing offers, they may
inform the 24 Hours Bank by Phone or send
an E-mail to cardservices@rblbank.com
or RBL MyCard App for listing their said
contact numbers in such register. Register
at the Bank website for the exclusion of
their respective contact details.
c. In the event that the Bank receives adverse
reports (relating to a Cardmember(s)’ credit
worthiness or something to such effect),
the Bank may cancel the Credit Card, where

45
 upon the entire outstanding balance as well
as any further charges/fees incurred by use
of the Credit Card, though not yet billed in a
Statement, shall immediately become due
and payable by the said Cardmember(s).
d. The Cardmember authorises the Bank
to share information relating to the
Cardmember with third parties to enable
the Bank to administer, service and
manage the benefits or programs to which
the Cardmember is enrolled.
e. Notwithstanding anything to the contrary,
the Cardmember authorizes the Bank to
disclose all/any information or documents
about the Cardmember including this
Agreement and/or any other agreement,
transactions or dealings between the
Cardmember and the Bank for any purpose
to :
• It’s head office or to any other branches,
subsidiaries or associated or affiliated
companies of the Bank;
• Professional advisers of the Bank;
• Any potential or actual purchaser/assignee
of the Bank or of any of its businesses,
rights, assets or obligations; or
• To any other person where disclosure is
required by law.
f. The Credit Information Bureau India Ltd.
(CIBIL) is an initiative of the Government of
India and the Reserve Bank of India (RBI)
to improve the functionality and stability
of the Indian financial system. This is in
line with the RBI’s efforts to provide an
effective mechanism for the exchange of
information between banks and financial
institutions, thereby enabling customers

46
 to avail themselves of better credit terms
from various institutions.
g. All banks and financial institutions
participating in this initiative are required
to share customer data with CIBIL and
other credit information bureaus. In
view of the above, the Bank shall report
the data pertaining to Cardmember(s)/
Add-on Cardmember (s) Account to CIBIL
and other credit information bureaus.
h. The Cardmember(s) acknowledge that, as
per the business practices and applicable
provisions, the Bank is authorised to
share Cardmember(s)’ information with
any existing or future credit bureaus as
determined by the Bank from time to time.
The said information may be shared with
the CIBIL or any other credit information
bureau approved/notified by the competent
authorities to improve the functionality and
stability of the Indian financial system, and
such other entities.
i. In the event that a reported Cardmember
subsequently settles or clears all dues
with the Bank to the Bank’s satisfaction,
the Bank shall make reasonable efforts in
ensuring that the updated details of the
said Cardmember are provided to CIBIL
or such other credit information bureau to
reflect the change.
j. Cardmember authorizes and consents
to RBL Bank to share and disclose any/
all information received as KYC from
UIDAI/information furnished by him/her
in application form(s) with credit bureaus/
statutory bodies/subsidiaries/affiliates/
Credit Bureaus/Rating Agencies, Services
Providers, banks/financial institution,

47
governmental/regulatory authorities
or third parties for KYC information
verification, credit risk analysis, or for other
related purposes that RBL Bank may deem
fit. In case the Cardmember commits
a default in payment or repayment of
the principal amount of any financial
assistance/facilities/financial/credit
facility or interest/charges due thereon,
RBL Bank and/or the RBI will have an
unqualified right to disclose or publish the
details of the default and the name of the
Cardmember/or its directors/partners/
add-on Cardmembers, as applicable, as
defaulters in such manner and through
such medium as RBL Bank or RBI in their
absolute discretion may think fit. RBL Bank
shall disclose information relating to credit
history/repayment record and/or days past
due status of the Cardmember in terms of the
Credit Information Companies (Regulation)
Act, 2005 to a credit information bureau.
Acceptance of an application for a Credit
Card is based on no adverse reports of
the Cardmember’s credit worthiness. RBL
Bank may report to other banks or financial
entities any delinquencies in the Card
Account or withdrawal of the Cardmember’s
credit facility through the Card or otherwise.
Based on the receipt of adverse reports
(relating to the credit worthiness of the
Cardmember or his/her family members),
RBL Bank may, after 15 days prior notice in
writing, cancel the Credit Card, whereupon
the entire outstanding balance in the Card
Account as well as any further charges
incurred by use of the Card, though not
yet billed to the Card Account, shall be
immediately payable by the Cardmember.

48
 RBL Bank shall not be obliged to disclose
to the Cardmember the name of the bank or
financial entity, from where it was received
or to which it disclosed information.
k. All written communications issued by the
Bank, including but not limited to product
collaterals such as the Most Important
Terms and Conditions (MITC), Cardmember
Agreement, and Product Terms and
Conditions, as well as communications
conveyed via SMS, email, and letters from
RBL Bank, shall take precedence over
any verbal or third-party commitments or
assurances made by the Bank’s agents
or representatives. In the event of any
discrepancies or conflicts between written
and verbal communications, the terms
and conditions delineated in the written
documentation shall prevail.
J. CARD SECURITY
As per the mandate from Reserve Bank of India
(RBI), all newly issued, re-issued and renewed
Credit Cards are dispatched in inactive state
for all transactions except domestic Point of
Sale (POS) and ATM transactions as a security
measure. If Cardmember wishes to activate/
de-activate his/her Credit Card for usage in
any category such as domestic, international,
online, POS, contactless and cash withdrawals.
Cardmember is advised to visit www.rblbank.
com to make necessar y changes.
Cardmember should not share the 16 digit card
number, expiry date, CVV or OTP with anyone.
K. CLASSIFICATION AS SPECIAL MENTION
Account (SMA) and Non-Performing Asset (NPA)
& Upgradation

49
If due date of a loan/credit card account is Jan
22, 2019, and full dues are not received before
the lending institution runs the day- end process
for this date, the date of overdue shall be Jan 22,
2019 and the account will be classified as SMA-0.
If the full overdue amount (including charges, if
any) is cleared the next day (23rd Jan 2019) or
any other future date then DPD in account will
turn zero by end of the day, account will then be
classified as regularised.
If account continues to be overdue, then this
account shall get tagged as SMA-1 upon running
day-end process on March 23, 2019 i.e. upon
completion of 60 days of being continuously
overdue.
If the account continues to remain overdue
further, it shall get classified as NPA upon
running day-end process on April 22, 2019.
The Asset Classification (i.e. NPA category)
will be classified at borrower level (i.e. all
relationships with the bank).
In case of NPAs, the entire overdue in all
relationships of the bank are to be fully paid and
if the overdue amount is zero at borrower level
on any given date, then entire relationship will
be considered for upgradation.
Disclaimer
*RBL Bank may at its sole discretion, utilize the
services of external service provider/s or agent/s
and on such terms as required or necessary, in
relation to its products.

50
 RBL-CC-MITC-26-05-2025

www.rblbank.com

------------------------------------------------
RBL Bank Limited
Card Operating Centre: Unit 306-311, 3rd Floor, JMD Megapolis,
Sohna Road, Sector-48, Gurgaon-122 018, Haryana.
CIN: L65191 PN1943PLC007308