RBL Bank offers a range of credit cards to all kinds of professionals and customers. The bank's cards are known to offer exclusive benefits and provide the best reward programs. The range of credit cards offered by RBL can be used by moviegoers, business professionals, medical professionals, shoppers, corporate people, chartered accountant professionals, golf lovers, travel lovers and so on.
RBL Bank, previously known as Ratnakar Bank, is one of the leading private sector banks in India whose headquarters is located in Mumbai.
The bank was founded way back in 1943. Currently the bank provides a wide variety of services across its verticals and includes commercial banking, retail assets, financial markets operations, corporate and institutional banking, branch and business banking, development banking and financial inclusion, treasury.
The Ratnakar Bank was initially started as a regional bank in the state of Maharashtra during August 1943, with two branches in Sangli and Kolhapur. It was providing finance to small and medium enterprises (SMEs) and business merchants who were located in Kolhapur – Sangli belt.
As of December 2019, RBL Bank has a network of 372 branches and 394 ATMs spread across 28 states and union territories across the country.
Below given information is the eligibility criteria required for RBL Credit Card.
Below listed are the documents which are mandated to apply for RBL Credit Card
Some of the individuals have multiple credit cards with them. Credit cards have evolved itself after undergoing a rampant change in the mindset of the users. The credit card offers instant liquidity to meet the unexpected as well as expected needs of its users. Most of the people believe that having multiple credit cards usually spoil the financial habits of an individual and pushes the user into a debt trap, but if the same plastic money if used wisely, can provide its users with a host of benefits.
Having multiple credit cards helps in reducing the credit utilization ratio. This ratio is arrived at by dividing the outstanding credit by the limit of all the active credit cards. A lower credit utilization ratio improves the credit score of the cardholder and vice-versa. Having a higher credit utilization ratio will negatively impact the credit score of the borrower as lenders perceive such individual as a credit hungry borrower.
Owning multiple credit cards helps to lower the credit utilization ratio and it subsequently boosts individuals credit score and this will come in handy to avail loans at a competitive interest rate with a flexible repayment term.
Every credit card comes in with a preset credit limit beyond which the cardholder cannot borrow funds. Having multiple credit cards offers the cardholder to get a large credit limit which comes in handy when they require a substantial amount of money specifically during the wedding and festive occasions.
Multiple credit cards even help the users to address the emergency (financial or medical).
Whenever a transaction is done via credit card, the user will get an interest free period during which one should pay back the borrowed amount. This period will start after the end of the billing cycle and it usually differs across the card issuers. If in case, a user has only one credit card and use the same at the beginning of the billing cycle, then the number of days within which they have to pay back the amount will be higher and vice-versa.
Having multiple credit cards with different billing cycles can help the users to make the most of it during the interest-free period. For Example: If a user has two cards whose billing cycle begins at 15th and 30th of every month respectively, then he/she will have to juggle between them to have more days at their disposal to repay the borrowed amount.
With RBL Bank Credit Card you can avail exclusive facilities for your purchases which are listed below.
Key Facilities of RBL Credit Card
By using RBL MyCard app you can pay your utility, make DTH/mobile recharge and more.
Features of Bills2Pay
Why you choose Bills2Pay facility?
How to avail Bills2Pay facility?
Use RBL Credit Card to make online purchases or transactions and convert the eligible transaction into 3,6,9,12,18 or 24 months EMI as per your preference. You can conveniently convert your purchases to EMI through MyCard Mobile App, MoBank Mobile App or by calling the customer care service (contact information accessible at the rear of your credit card). Apart from this you can also get affordable interest rates on your EMI and also enjoy processing fee discount with EMI Infinity Pass.
What is EMI Infinity Pass?
Accessing the EMI Infinity Pass allows you to earn unlimited Cashback on your Split 'n' Pay processing fee:
How to avail this pre-approved facility?
Transfer the outstanding dues of other credit cards with easy EMIs. Transfer 'n' Pay is an unique and pre-approved facility available to select members of the card which enables you to:
Benefits of Transfer 'n’ Pay
Follow the below listed points to know the benefits of Transfer 'n’ Pay feature.
1. Boost your credit score: You can repay the total amount Due on other credit cards on time with Balance Transfer on EMI which helps you to free up yourself against pessimistic credit score due to late payment or non-repayment.
2. Secure you from finance charges: With Balance Transfer on EMI, you don’t have to compromise on the payment to compensate high finance charges of 42-45% of the gross unpaid balance.
3. Repayment choice: Through Balance Transfer on EMI, you can pay EMI as per your selected tenure.
4. Zero-interest retail purchases: With an active Balance Transfer EMI on your RBL Credit Card you can also use the RBL Bank Credit Card for retail purchases as per your credit cap.
Xpress Cash initiative provides pre-approved cash that falls within the Credit Card credit limit. Cardholder has the alternative to opt back in easy installments for this cash facility with versatile repayment over numerous tenure options. The option is available with a marginal interest rate and processing fee for selecting a card Member.
Offer 1: Customer can apply for Rs. 20,000 as their desired cash amount and can reimburse in installments within 6 months
Why choose Xpress Cash?
How to apply?
To experience Xpress Cash program:
Call 1800 121 9050 (Toll-Free)
SMS “INC” and send it to ‘5607011’ from your registered mobile number
One Month Cash Advance plan provides a pre-approved cash advance that comes under the Credit Card credit limit. Cardmember has the choice to turn back in easy installments for this cash with flexible repayment over multiple tenure options. The facility is provided to selected cardmembers only.
How to apply?
To avail pre-approved cash advance:
Call on 1800 121 9050 (Toll-Free) from your registered mobile number
SMS “ACR” and send it to ‘5607011’
Dial for Cash' service provides a pre-approved loan without blocking your credit card limit. You will also get the benefits of multiple tenure options to reimburse your loan in easy EMIs.
How to apply?
To get instant cash for your immediate cash requirements:
Call on 1800 121 9050 (Toll-Free)
SMS “CASH” and send it to 5607011
With EMI Infinity Pass, every Split 'n' Pay conversion gives an assured 20 per cent cashback. You may choose to convert the unpaid billed and unbilled into simple monthly installments, and select the option for repayment.
How to avail?
Please contact customer support (number accessible at the back of your credit card) to check the eligibility and repayment options.
In addition to the interest-free cash withdrawal, Bajaj Finserv RBL Bank SuperCard comes with various benefits to fulfill your lifestyle and banking needs.
Avail emergency loan using your RBL Credit Card: Convert your Bajaj Finserv credit card 's unpaid credit balance into a personal loan, and avail interest-free cash for up to 90 days. You can repay the loan amount in 3 easy EMIs.
Get exciting offers and perks at partner stores: You'll also get enticing deals and promotions on EMI purchases, other transactions, travel bookings, etc. with Bajaj Finserv privilege. Such unique advantages are accessible when transacting at Bajaj Finserv partner stores.
Enhanced card protection: RBL Bank issues credit cards fitted with an EMV microchip that improves security against infringement and card fraudulent activities. RBL Cards are also PIN-enabled which is needed at the retailer outlets to authenticate the transactions. A one time password is required for online transactions to verify and confirm your transactions.
Instant alerts: Stay up to date with all of your spendings, skipped payment date, bill payment receipt, monthly card statement and more with SMS and email alerts.
Flexible credit limits: RBL Bank also provide a remarkable functionality on its credit cards that allows you to reduce your credit card's spending limits. And also you can set a credit limit for your add-on card members.
Net Banking: Login to your RBL net banking account and manage your credit cards anytime anywhere. You can experience lots of services through net banking such generate account statements, view your credit card dues, request for EMI facility, balance transfer and more.
24/7 Customer Care Service: With the assistance of the 24/7 customer care team, RBL Bank can address your issues easily and effectively. For any queries you may have with your RBL Bank credit card, contact the toll-free numbers and resolve your queries anytime and from anywhere.
Although it can be a time-consuming procedure to close a credit card, Bajaj Finserv and RBL Bank provide easy and hassle-free credit card cancellation services for SuperCard holders. You can cancel your card online as well as offline. The methods are time-saving, paperless and easy. After availing a SuperCard you can cancel it anywhere anytime as per your convenience. By following the below-given steps you can cancel or close your Bajaj Finserv RBL Bank SuperCard.
Via Online: You can send a cancellation request online through Bajaj Finserv. To get further assistance to close your SuperCard you can write a mail to email@example.com by attaching the essential details of your credit card.
Via written request: To close your SuperCard you can also write a letter and submit it at the nearest RBL Bank branch stating the reason for closing the card. You may have to submit your card along with the letter. In order to submit your card, you have to cut in half, diagonally across the chip or magnetic stripe.
Via Customer Care service: Get in touch with the customer care service by dialling 022-71190900 and request the representative to cancel your card. Provide the basic details of your card to the representative and he / she will grant your request instantly.
But it is recommended to cancel or deactivate your RBL Credit Card if it is too expensive or it comes with a high annual fee. Remember that this problem is not raised by the Bajaj Finserv RBL Bank SuperCard. You can actually use it to accumulate annual savings to the balance of Rs.55,000. In addition, the SuperCard at ATMs can be used to initiate interest-free cash withdrawals of 50 days, interest-free personal loan of 90 days and convert purchases over Rs.3,000 into flexible EMIs. You also have exposure to amazing credit card offers and promotions on every spending category.
Bill Pay is an easy, efficient, and safe way to manage payments, money transfers, and taxes. An easy, quick and safe way to manage your bill payments from everywhere, at any time. You can pay the utilities charges (telephone, electricity, mobile, etc.), insurance premiums, magazine subscriptions or donations. The Bill Payment function allows you the choice to make daily payments by registering a biller or making one time/payments using the 'Insta Pay' method. You can also choose and pay numerous bills in a single transaction.
Registered billers will be able to see the amount of the bill and the due date. In addition, you can also get updates via SMS for any addition/deletion of billers, receipt of new bills and bill payment status, etc. Your payment information will be submitted to the appropriate biller via BillDesk; it can take up to 2 working days for payment details to be received by the biller and you are therefore required to make your payment at least 2 working days prior to the actual due date of your bill. This facility is only available for the customers of RBL Bank without any charges.
Below given process are the online methods to pay RBL Credit Card Bill via online.
This feature is only available for RBL account holders only.
You can also make a payment for your RBL Credit Card Bill via NEFT service. NEFT enables instant payment for an acknowledgment on the same day of payment.
To render payments on time per month you can set up auto-debit from your RBL Bank savings account. Active holders of the RBL Bank savings account can enable their card payments via standing instructions.
Using RBL MyCard Mobile App you can make payments to your RBL Bank credit card at your convenience. You can use any bank account to pay your credit card dues instantly and also you can manage your account right from your comfort. If you are not registered with the RBL MyCard Mobile app, you can download it from Playstore or Appstore. In case you don't have a stable internet connection you can also generate a download link via SMS, just type MyCard and send it to 5607011.
RBL Bank is one of India's most iconic credit card issuers because of its unparalleled variety of card offers that enable consumers to get the maximum value from the RBL credit card. However, in order to retain the maximum benefits, customers must render RBL credit card payments on or within the due date to prevent the late charge and extra fees on the balance of their bill. Paytm gives everyone a fast and simple way to pay your credit card bills to simplify the RBL Bank credit card payment method. Paytm helps you to render RBL credit card bill payment via various customizable payment choices and therefore, you can reimburse your RBL credit card bill with either a Debit Card, Credit Card, Net Banking and UPI (UPI is only accessible on Paytm App).
Process To Pay RBL Credit Card Payment Through Paytm
By following the below-given steps you can easily make RBL Credit Card Payment on Paytm.
You can pay your credit bills online from any other bank account, in case you don't have an account in RBL Bank. Via Bill Desk service you can pay your credit card outstandings in 3 east steps.
1. Submit your Credit Card details
2. Confirm your payment
3. Get Online Confirmation Message
Once the transaction is complete you will get the 'Success' or 'Failure' message on the transaction acknowledgment screen. Please make the payment again in case of 'failure'
You can use UPI to pay off your credit dues by BHIM, Google Pay, PhonePe, Paytm etc. are the most widely used UPI applications available today. To pay your credit card payment via UPI, you can download the RBL Bank App. By utilizing your mobile number as VPA/UPI ID you can trigger your credit card payment through RBL Bank App.
"Unified Payment Interface" (UPI) helps all bank account holders to transfer and receive money using their mobile without needing to enter bank details or net banking credentials. RBL Bank provides mobile phone UPI facilities in the "MoBank" and "BHIM RBL PAY" Mobile Banking Application. The app provides all the Unified Payment Interface (UPI) functionalities, which you can use on your go.
Key advantages of UPI
Process to make payment tbrough UPI
RBL Bank unveils "ChatPay" which helps you to transfer money when you chat! RBL Bank ChatPay, the RBL Bank Banking BOT, which provides its users with services such as Funds Transfer, Recharges, ATM / Branch Locator & Quick Assistance through Facebook Messenger.
RBL Bank ChatPay can be used for customers of both RBL Bank & Non-RBL Bank. ChatPay is a new platform of MoBank that helps you to access Mobile Banking on the screen of your smartphone. No need to toggle between apps or disrupt your chat; just use ChatPay to instantly transfer funds. Transferring money with ChatPay has never been so simple.
The unique ChatPay feature is accessible on every smartphone. Below are the more benefits and quick start guide of ChatPay.
RBL Bank customers can: Transfer money, make mobile / DTH recharges, locate nearest ATM / Branches and get instant assistance via bot.
Non RBL Bank Customers: These customers can recharge their mobile phones and DTH connections via chat pay, in addition to getting help and support from the bot.
Process to get started
To use the ChatPay feature what you need to do is unlock the ChatPay keyboard from your phone settings and you're able to transfer funds during chatting.
Now say goodbye to all your payment issues with 'Bharat QR'. One of the most convenient payment platform with low cost and secure transactions. RBL Bank collaborated with the 'Bharat QR' program of the Government of India into its range of creative payment initiatives. With Bharat QR, the Bank will aim to strengthen its payment platform render transfers more seamless for its bank account holders and partners. The Indian government has partnered with RuPay, Mastercard and Visa, the largest digital payment providers in India, to introduce a unified Quick Response (QR) named 'Bharat QR' as part of a multi-pronged drive toward a cashless society.
Bharat QR 'will operate at almost any location that allows payments for services provided. You can pay for all on-board merchants on the BQR platform via Bharat QR. The BQR platform could be bus depots, gas stations, restaurants, supermarkets, vegetable markets, pharmacies, train stations and even more across India.
After applying for an RBL Credit Card using your reference number and registered mobile number, you can track the status of your credit card application online. In case you have applied for Bajaj Finserv RBL Bank SuperCard you track the application status either by visiting the RBL Bank website or by visiting the nearest branch of Bajaj Finserv. Follow the below-listed steps to know the process of tracking the application status of the RBL Credit Card via online and offline.
Using a stable internet connection you can track the application status of RBL Credit Card seamlessly. To track your application status all you need is your application reference number and registered mobile number. An application reference number is a unique ID number allocated to anyone applying for an RBL credit card. You can get the reference number after submitting the application for the RBL Credit Card via online.
In case you choose for the offline process you have to submit the credit card application by visiting the nearest RBL Bank branch. You will get an acknowledgment slip by the bank/agent, in which you can find the reference number. A registered mobile number and reference number is all you need to track the application status of RBL Credit Card.
In case you don't have an active internet connection you can get in touch with the RBL credit card customer support via helpline numbers or email to track the status of your RBL Credit Card.
RBL Bank credit card helpline number - 022 - 6232 7777 or 1800 121 9050.
RBL Super Card helpline number - 022 - 711 90 900
Write to RBL to know the status of your credit card
For RBL Credit Cardholders: firstname.lastname@example.org
For Super Cardholders: email@example.com
The RBL credit card registration/login page helps you to manage your account, and evaluate all credit card information. Effective access to a credit card allows you to enter your login credentials. In the event that you are not an authorized customer, you must first enroll to obtain such credentials. Access all information by logging on the customer portal of the Bajaj Finserv Credit Card. Take these quick steps to get username and password, and continue by signing in to verify details of your credit card account.
Process to get user id and password
Once the process is complete, use your email ID, mobile number or customer ID as user id and enter the password. The credit card customer gateway also enables customers to modify their registered email ID and mobile number with Bajaj Finserv.