Which RBL Bank Credit Card Should You Apply For

To make the most of your credit cards, it is essential to understand which cards are suitable for you. Spending habits generally differ from one person to another and financing companies offer cards to meet the whole group of such requirements. RBL bank credit cards, for instance, offer convenience as well as attractive features to users.

Here is a look at the various credit cards available from RBL Bank, so that you can take an informed decision and choose between them as per your financial needs.

  • RBL Platinum Maxima Card

This internationally accepted RBL Bank credit card offers substantial reward points to new users. You can avail as much as 8000 points within the first 30 days of card use.

Apart from these initial reward points, users earn 5 times the normal points for credit card expenses abroad. Similarly, if you use the card to pay utility bills, you are liable to receive 5 times more points, which you can redeem for attractive discounts. Other benefits of the card include complimentary airport lounge access and free movie tickets.

  • RBL Bank SuperCard

Users looking for a multi-faceted RBL Bank credit card can consider the Bajaj Finserv RBL Bank SuperCard. Features of this card include interest-free cash withdrawal for up to 50 days. Additionally, you can avail a loan against the credit limit for the card for an interest-free period for up to 90 days. You can repay the loan in 3 easy EMIs without incurring interest on it. The SuperCard offers up to Rs. 55,000 in annual savings, through its lucrative reward point system.

  • RBL Platinum Delight Cards

With this card, users can accumulate up to 4,000 reward points upon usage within the first 60 days. The credit card company waives off the annual fee for the card, if you use it for purchases exceeding Rs. 1.5 Lakh annually. Additionally, users are completely secure while using the card, due to the zero liability facility in case of fraud or theft.

Now that you know the top RBL Bank credit cards, here are some factors that help you determine the most suitable card for your spending habits.

  • How you want to use the card

Some people use credit cards only for travel purposes, while others handle their daily shopping expenses through the card. Seeking a card that caters to your particular expenses can help you avail attractive cashback and discounts. Determine your primary financial utility to benefit the most out of the credit card.

  • Bill due date and statements

Credit cards from various companies follow separate billing dates. Checking credit card statements and paying the outstanding amount is essential to maintain a good credit score. Before availing a card, check and see whether you are comfortable with its billing cycle. Salaried employees are credited with their reimbursements at a certain date of the month. They should ensure that the card’s billing date is after their salary date and not before.

  • Repayment ability

You can assess how much you can pay at the end of the month in the form of credit card bills. Some cards have higher fees and interest, which can become difficult for you to handle if your income is limited. Therefore, consider the amount you are comfortable paying for the card without causing too much of a financial burden.

Compare all cards available to you online. Doing so will help you zero in on the most suitable card.

Bajaj Finserv provides pre-approved offers to simplify the credit card availing process. Apart from credit cards, these offers are available on personal loans, business loans, home loans, and other credits. You can check your pre-approved offer by providing your phone number and name.

Ensure you never blindly avail a credit card, as doing so can lead to serious financial jeopardy. Instead, consider all relevant factors before credit card application to ensure a hassle-free and convenient experience.