what you
SEE
is what you
GET
, All Aboard!
SIMPLE. TRANSPARENT. with IRCTC RBL Bank Credit Card
Your Card Features
Welcome Milestone Rewards On Rewards For Key Executive Secure
Benefit Benefit IRCTC Bookings Daily Commute Benefit Lounge Access Your Journey
Kickstart a Receive 500 Enjoy 5 Reward Earn 3 Reward Enjoy easy Unwind with Stay worry-free
rewarding Reward Points Points for every Points for every payment solutions 8 annual with train
journey with for exceeding �200 spent on �200 spent on on your daily complimentary visits cancellation
500 Reward ₹75,000 in train tickets FASTag Recharge commute with (2 per quarter) coverage up
Points on quarterly from RBL Bank Tap and Transit to select IRCTC to �5,000
making your spends Get 2 Reward Digital channels / | Scan and Pay executive lounges,
first transaction Points for every NCMC Reload / ensuring utmost Click here to
�200 spent on UTS App Click here to comfort when know more
flight / hotel / know more you travel
cruise tickets 1 Reward Point
for every �200 Click here to
spent on non- know more
IRCTC spends
Note: Purchases made under below mentioned merchant categories will be excluded from reward point benefit and quarterly milestone benefit: Fuel & Auto, Utilities, Insurance, Quasi-Cash,
Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay and EMI conversion of retail transactions (Split-N-Pay & EMI
conversion requests placed at the time of making transactions at POS/Web/Mobile App), fees (if any), charges & GST.
To know more about your Credit Card benefits, click here or visit RBL Bank website.
Things you should know
Important Security Tips
• Enjoy up to 50 days of interest-free credit.
Never share your Card number, CVV, Expiry
• Pay your outstanding balance by the Payment Due Date to avoid interest Date, OTP, PIN with anyone
charges.
RBL Bank representatives will never ask to
share your OTP for Card activation or for any
• Opt for making at least the Minimum Amount Due if needed, but be aware of other concern
interest fees.
If someone calls and asks you to share OTP,
• Cash withdrawals through your Credit Card incur fees and interest charges. it is a FRAUD Attempt. Beware!
• Enjoy quick transactions at retail outlets by tapping your card. OTP SMS/ email will always include
merchant name and amount of transaction
• Experience the ease of contactless payments without handing over your card. for reference
Never leave your card unattended as it
Particulars Charges can be used by anyone without OTP /
Finance Charges for both APR up to 3.99% p.m. PIN validation
Revolving Credit & Cash Advances (47.88% p.a.)
Charges imposed in case the payment
is not made in full and the outstanding Quick Links
is carried to the next bill cycle
How to redeem Reward Points?
You earn Reward Points every time you use
Cash Advance Fee 2.5% of the cash amount your Card. These points can be redeemed for
Charges incurred in case there is (min. �500) flight and hotel bookings, gift vouchers, and a
a cash withdrawal made via the lot more. To redeem the Reward Points,
Credit Card visit rblrewards.com.
Particulars Charges Quick Links
Late Payment Fee How to pay Credit Card dues?
Penalty levied when the payment is Late Payment Fee (₹) Pay your dues in time to avoid late fees. You
past the due date can choose from various payment options such
as MyCard App, NEFT, UPI, Cash or Cheque.
12.5% of Outstanding Amount
How to check transaction details and dues?
Min. �5/- Max. �1,300/- Keeping a track of all Card related transactions
has become easy. Simply use MyCard App to
Overlimit Fee NIL stay updated. Give us a missed call on
7045 906 905 to download the app.
Cash Payment at Branches `100/- Cash deposit charges on
Charges on paying Credit Card bill transactions done at RBL Bank Branch
with cash at any RBL Bank How to contact customer service?
Our 24x7 customer service is readily available
Service Charges GST rate as prescribed by Govt. to help you. Call us at 022 6232 7777 or write
Service charges levied for transactions (18% as applicable) to us at cardservices@rblbank.com.
Minimum Amount Payable Total GST + Current month EMI Debits +
Minimum Amount Due to be paid at 100% of Fee/Charges + [Max of (5% of How to raise Billing Disputes for resolution?
each billing cycle (Retail Spends, Cash Advance, Interest) or You can email or send RBL Bank signed dispute
`200)] + previously unpaid MAD (if any) form within 30 days of issuance of statement,
download form here (https://www.rblbank.com/
Merchant EMI Processing Fee �199 + GST on all EMI conversions done at
the time of making transaction through download-forms/credit-cards).
RBL Bank Credit Cards at merchant outlet/
website/app
How to contact Grievance Redressal Officer?
W.e.f. October 15, 2024, 1.5% of the amount Mr. Vikas Nigam- You can call him at
or �150/- whichever is higher
022-71432700 or email at
Fee on Fuel Transactions W.e.f. October 15, 2024, 1% fee exceeding principalnodalofficer@rblbank.com
�10,000 on single fuel transaction capped
at �3,000
Our Complete postal address?
Fee on Select Merchants on W.e.f. October 15, 2024, 1% fee on Education Card Services, RBL Bank Ltd.,
Education Payments Payments through third party apps on select Unit 306-311, 3rd floor,
merchants (Refer MITC for more details)
JMD Megapolis, Sohna Road, Sector-48,
Cheque Return/Dishonour Fee W.e.f. October 15, 2024, �500 Gurugram, Haryana- 122018
Auto Debit Reversal- Bank Account
Out of Funds
Fee on Utility Spends W.e.f. October 15, 2024, 1% fee on utility
spends more than �50,000 per month
per card
Fee on Rental Transactions 1% fee on transaction amount will be levied
on all rental transactions done on any
applicable merchant
We recommend you to go through Most Important Terms and Conditions | Cardmember Agreement | Product Terms & Conditions | Key Fact Statement.
Advisory: Do not share your one-time password (OTP) with anyone.
Happy to help you 24x7
RBL/PR/13/09/2024
Scan and Download Chat with us at WhatsApp Banking
MyCard App www.rblbank.com/rblcares Say ‘Hi RBL’ on 8433598888
from your registered mobile number
45-Day Free Look Program. At RBL Bank, it’s always customer first!
In case you're not happy with our products or services, you can
discontinue it at any time. No conditions. No questions.
