RBL Platinum Edge Card - Smart Shopping Benefits

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Features of RBL Bank Platinum Edge Credit Card

Reward Points Program: The Platinum Edge Credit Card comes with a robust reward points program that incentivizes spending across various categories. Cardholders earn 2 reward points for every INR 100 spent on all eligible transactions, except fuel purchases. Additionally, the card offers 2X reward points on online spends, capped at a maximum of 1,000 points per month, making it particularly appealing for those who frequently shop online. For milestone spends, cardholders can earn 10,000 reward points by spending INR 1,50,000 in a year, and an additional 5,000 reward points for every INR 1,00,000 spent thereafter, subject to terms and conditions. These points can be redeemed on the RBL Rewards platform for a variety of options, including travel, shopping vouchers, and more, adding significant value to everyday purchases.
Welcome Bonus: New cardholders are greeted with a generous welcome bonus, enhancing the card's initial appeal. Upon paying the annual fee and spending INR 2,000 within 30 days of card issuance, cardholders receive 8,000 reward points as a welcome gift. This feature is particularly attractive for those looking to maximize their rewards from the outset, provided the card is not issued as a First Year Free variant. The welcome bonus sets the tone for the card's reward-centric approach, encouraging early engagement and usage.

- Complimentary Lounge Access: Travel enthusiasts will appreciate the card’s complimentary lounge access feature, which allows one free visit per quarter to domestic lounges at major airports in India. This perk is part of the Mastercard/Visa lounge program, ensuring a premium travel experience without additional costs. Cardholders simply need to present their Platinum Edge Credit Card to access these lounges, making it a valuable feature for frequent flyers seeking comfort and convenience during their travels.
- Movie Ticket Offers: The card enhances entertainment experiences with its BookMyShow offer, allowing cardholders to enjoy a 1+1 movie ticket deal once a month, capped at INR 200 per ticket. This feature is ideal for movie buffs who regularly book tickets through BookMyShow, providing significant savings on entertainment expenses. The offer can be availed by applying the discount under the offers section on the BookMyShow checkout page, ensuring a seamless and cost-effective movie-going experience.
- Contactless Payments: In line with modern payment trends, the Platinum Edge Credit Card supports contactless payments, enabling quick and secure transactions at retail outlets. Cardholders can use the tap-and-pay feature for purchases up to INR 5,000, eliminating the need to swipe or insert the card. This feature enhances convenience and security, as the card never leaves the cardholder’s hand, reducing the risk of skimming or unauthorized access.
- EMI Finance Options: The card offers flexible EMI finance options, allowing cardholders to convert large purchases into easy monthly installments. This feature is available for a wide range of categories, including electronics, furniture, groceries, and more, making it easier to manage big-ticket expenses. The EMI facility comes at a nominal interest rate, and the process is paperless, ensuring a hassle-free experience for cardholders seeking financial flexibility.
- Xpress Cash Facility:The Xpress Cash feature provides cardholders with instant access to cash within their credit limit, which can be withdrawn from any ATM in India. This pre-approved loan facility requires no additional documentation and allows repayment in easy installments. A processing fee of 2.5% (minimum INR 500) is applicable, and the cash is interest-free for up to 50 days, making it a convenient option for addressing urgent financial needs.
- Transfer n Pay Program: The Transfer n Pay program is a unique feature that allows cardholders to transfer outstanding balances from other bank credit cards to their Platinum Edge Credit Card at a lower interest rate. The transferred amount can be repaid in easy monthly installments over 3, 6, or 12 months, helping cardholders consolidate debt and manage repayments more effectively. This feature is particularly beneficial for those looking to reduce interest burdens on existing credit card balances.
- Fuel Surcharge Waiver: The card offers a fuel surcharge waiver of up to INR 100 per month for fuel transactions, providing savings for cardholders who frequently refuel their vehicles. This feature applies to transactions at fuel stations across India, ensuring that everyday commuting costs are reduced, albeit modestly.
- Security Features: Security is a priority with the Platinum Edge Credit Card, which incorporates a PIN-based EMV chip to protect against fraudulent transactions. Online transactions are further secured with One-Time Password (OTP) validation sent to the registered mobile number. Cardholders can also switch their card on or off at any time using the RBL MyCard Mobile App, adding an extra layer of control and security.
- Global Acceptance: The card is accepted worldwide, allowing cardholders to make purchases in any currency, with payments settled in Indian Rupees. This feature makes it a reliable companion for international travel and online shopping on global platforms, although a foreign exchange markup fee may apply, except for specific card variants like the World Safari Credit Card.
- Annual Fee Structure: The card comes with an annual fee of INR 1,999 plus applicable taxes, which can be waived for the second year if cardholders spend INR 2,00,000 in the previous year. This fee structure encourages active usage while offering the potential for cost savings through the waiver, making it a balanced proposition for frequent spenders.
- Reward Redemption Flexibility: Reward points earned on the card can be redeemed through the RBL Rewards platform, offering a wide range of options, including air travel, hotel bookings, shopping vouchers, mobile recharges, and even donations. The value of one reward point ranges from INR 0.11 to INR 0.25, depending on the redemption category, providing flexibility to suit individual preferences.
- Mobile App Integration:The RBL MyCard Mobile App enhances the card’s usability by allowing cardholders to manage their account, track transactions, set purchase limits, and make payments on the go. The app also supports Quick Bill Pay, enabling instant payments from any bank account with online confirmation, ensuring convenience and accessibility..
- Additional Cardholder Benefits: Cardholders can apply for add-on cards for family members, including spouses, parents, and children, sharing the card’s benefits and rewards. The primary cardholder retains control over the credit limit for each add-on card, and all reward points are credited to the main account, simplifying reward management.
- Interest-Free Cash Withdrawals:The card allows interest-free cash withdrawals for up to 50 days, subject to a processing fee of 2.5% (minimum INR 500). This feature provides a short-term cash flow solution without the burden of immediate interest charges, provided the amount is repaid within the stipulated period.
- Customizable PIN: Cardholders can set a 4-digit PIN for their card using the RBL MyCard Mobile App or the bank’s online services, enhancing security and personalization. This feature ensures that transactions are authorized only with the cardholder’s unique PIN, reducing the risk of unauthorized use.
- Merchant Category Exclusions: Certain transactions, such as those in fuel, utilities, insurance, railways, real estate, education, and government services, are not eligible for reward points or other benefits, as defined by Visa and Mastercard guidelines. Cardholders should be aware of these exclusions to maximize the card’s rewards potential. This comprehensive feature set makes the RBL Bank Platinum Edge Credit Card a versatile and rewarding option for individuals seeking a blend of lifestyle benefits, financial flexibility, and security.

Benefits of RBL Bank Platinum Edge Credit Card

1. High-Value Reward Earnings:
- Regular Spending: Earn 2 reward points per ₹100 spent.
- Online Spends: Earn 2X points on online transactions (up to 1,000 points per month).
- Milestone Rewards:
  - 10,000 reward points on annual spends of ₹1,50,000.
  - 5,000 reward points for every additional ₹1,00,000 spent annually.
2. Welcome Bonus:
- Instant Benefit: Get 8,000 reward points on spending ₹2,000 within 30 days of card issuance.
- Redemption Value: Points worth ₹880–₹2,000 depending on redemption rate (₹0.11–₹0.25 per point).
- Use Case: Covers the annual fee early and encourages early card usage.

How to Apply for RBL Bank Platinum Edge Credit Card

Visit the official website: www.rblbank.com.
Navigate to the Credit Cards section and find the Platinum Edge Credit Card.
Click on Apply Now to open the application form.
Fill in personal details: full name, email ID, mobile number, date of birth, gender, residential address, and PAN card number.
Click Get OTP and verify the One-Time Password sent to your registered mobile number.
Enter additional financial information (income source, employer details) and accept terms and conditions.
Submit the application and note the confirmation application ID for tracking.
Go to logintoloans.com, a trusted financial comparison platform.
Navigate to the Credit Cards section and select RBL Bank Platinum Edge Credit Card.
Click Check Eligibility and fill in required personal and financial details.
Upload scanned copies of documents: identity proof, address proof, and income proof.
Submit the application; you will receive an application ID to track progress.
RBL Bank representatives will contact you for further processing.
Visit the nearest RBL Bank branch.
Request and fill out the Platinum Edge Credit Card application form.
Submit physical copies of required documents (PAN card, Aadhaar, income proof).
Bank executives will verify your documents and submit your application for processing.
Call RBL Bank customer care at 8885545255.
Inform them you want to apply for the Platinum Edge Credit Card.
They may assist you over the phone, send a bank executive to collect documents, or guide you to apply online or visit a branch.
Choose the application platform (website, logintoloans, branch, or customer care).
Fill in the application form with accurate personal and financial details.
Submit required documents either digitally or physically.
Verify your mobile number via OTP for online applications.
Track your application status using the application ID.
Wait for approval and card delivery within 7–10 working days post-approval.
Ensure all details are accurate and match documents.
Maintain a credit score above 750 for better chances.
Avoid multiple credit inquiries in a short time frame.
Upload clear and legible document copies.
Follow up with branch executives if applying offline.
Respond promptly to any bank requests for verification or additional documents.
Track application status via RBL MyCard App, website, or customer care.
Upon approval, receive card with activation instructions.
Document rejection due to unclear copies or invalid documents.
Eligibility mismatches such as income or age requirements.
Delays in processing.
Contact customer care for rejection reasons and guidance on reapplication.
Apply anytime, anywhere with 24/7 accessibility.
Faster processing and digital document uploads.
Comparison tools on platforms like logintoloans help choose the best card.
Real-time status tracking and updates via SMS/email.
Use only secure, official websites for application.
Avoid sharing sensitive data on unverified portals.
RBL Bank ensures data encryption and security throughout the process.

Eligibility Criteria for RBL Bank Platinum Edge Credit Card

1. Age Requirement
- Primary Cardholder: Must be between 21 and 65 years old.
- Add-on Cardholder: Minimum age is 18 years, with no upper age limit.
- Context: Ensures financial maturity and risk management for the bank.
2. Nationality and Residency
- Eligible applicants: Indian Residents.
- NRIs may be eligible for specific variants but require additional documents like valid Indian passport and Indian income proof.
- Applicants must provide valid address proof showing residence in India.
3. Income Requirement
- Minimum Monthly Income: ₹25,000 (may vary based on applicant profile).
- Salaried: Must be employed with a reputable organization.
- Self-employed: Must demonstrate stable business with consistent income via documents like ITR, business registration, or tax returns.
- Higher income can improve approval chances and credit limits.
4. Employment Stability
- Salaried: Minimum 6 months to 1 year continuous employment with current employer.
- Self-employed: Minimum 2–3 years of continuous business/professional activity with proof.
5. Credit Score and Credit History
- Preferred Credit Score: 750+ (CIBIL/Experian/Equifax).
- Applicants with scores between 700–750 may be considered but approval is less certain.
- Clean credit history free of defaults, delinquencies, or frequent late payments.
6. Debt-to-Income Ratio
- Preferred DTI ratio below 40%.
- Higher DTI may result in rejection due to limited repayment capacity.
7. Credit Utilization Ratio
- Recommended credit utilization below 30%.
- High utilization may indicate financial stress and reduce eligibility.
8. Recent Credit Inquiries
- Minimal recent credit inquiries preferred (less than 3 inquiries in last 6 months).
- Multiple inquiries may lower credit score and reduce approval chances.
9. Existing Relationship with RBL Bank
- Preferred applicants with existing accounts, loans, or fixed deposits.
- Such customers may receive pre-approved offers or faster processing.
10. Documentation
- Identity Proof: PAN card (mandatory), Aadhaar card, Passport, Voter ID, or Driving License.
- Address Proof: Aadhaar card, utility bills (within 3 months), Passport, or rental agreement.
- Income Proof: Salary slips, bank statements, ITR (1–2 years), Form 16, or GST filings for self-employed.
11. Special Considerations
- Students or first-time credit users may not qualify but can consider secured credit cards.
- Senior citizens above 65 years may be subject to additional income and health criteria.
- Self-employed applicants should provide detailed financial proof for approval.
12. Common Rejection Reasons
- Low credit score (below 700).
- Insufficient or unstable income.
- High DTI or credit utilization ratios.
- Incomplete or inconsistent documentation.
13. Tips to Improve Eligibility
- Maintain a credit score above 750 by timely repayments.
- Reduce outstanding debts and credit card balances.

Documents Required for RBL Bank Platinum Edge Credit Card

Application Form:
- A filled-out application form is mandatory for both online and offline applications.
- Includes personal details, financial information, and declaration.
- Online applications generate a digital form; offline applicants receive a physical form from the bank.
Proof of Identity:
- Aadhaar Card: Preferred due to widespread acceptance and PAN linkage.
- PAN Card: Mandatory for financial transactions and tax compliance.
- Passport, Voter ID, Driving License: Valid alternatives for ID proof.
- Document must be clear, valid, and include photo and signature.
Proof of Address:
- Aadhaar Card: Must match the application address.
- Passport: Valid for identity and address verification.
- Utility Bills: Electricity, water, or gas bills (not older than 3 months).
- Rental Agreement: Registered agreements preferred.
- Voter ID or Driving License: Acceptable if current.
- Must reflect current and verifiable address.
Proof of Income:
- Salaried Individuals:
  - Last 3 months’ salary slips.
  - Bank statements (3–6 months) showing salary credits.
  - Form 16 or Income Tax Return for the last year.
- Self-Employed Individuals:
  - ITR for last 2–3 years with income computation.
  - Business financial statements (balance sheet, P&L account).
  - Bank statements (6–12 months) reflecting business transactions.
  - Business registration proof (GST certificate, shop license).
Recent Photograph:
- Clear passport-sized photo (digital for online, physical for offline).
- Plain background recommended.
PAN Card or Form 60:
- PAN card mandatory for all applicants.
- If no PAN, Form 60 along with declaration explaining absence.
Additional Documents for Self-Employed:
- GST registration certificate.
- Shop and establishment license.
- Partnership deed or company registration documents.
- Professional licenses for doctors, lawyers, etc.
Digital Document Submission:
- Upload documents in PDF, JPEG, or PNG format (2–5 MB max size).
- Ensure scans are clear and legible.
- Use secure upload portals provided by RBL Bank or partners.
Physical Document Submission:
- Submit self-attested photocopies for offline applications.
- Carry original documents for branch verification.
- Bank may retain photocopies and return originals after verification.
Document Verification Process:
- Verification by bank staff or third-party agencies.
- Discrepancies may lead to rejection or request for resubmission.
Common Document-Related Issues:
- Expired documents.
- Unclear or poor-quality copies.
- Address mismatches.
- Incomplete income proof.

Factors Affecting RBL Bank Platinum Edge Credit Card Approval

Requirement: A score of 750+ is ideal. Scores between 700–750 may still be considered, while scores below 700 are high-risk.
Tips: Pay bills on time, reduce credit utilization below 30%, and avoid multiple recent credit applications.
Requirement: Minimum monthly income of ₹25,000; ₹40,000+ is preferred for higher approval chances.
Tips: Ensure consistent income deposits; self-employed applicants should show stable business income.
Ideal: Below 40% is favorable. A DTI above 50% can lower your chances.
Tips: Pay off existing loans and credit card balances to improve disposable income.
Ideal: Keep below 30%. High utilization indicates dependency on credit.
Tips: Pay off balances, request a credit limit increase, and avoid maxing out your cards.
Salaried: Minimum 6–12 months with the current employer.
Self-Employed: At least 2 years of continuous business operation.
Tips: Avoid frequent job switches and maintain business proof.
Preferred: A clean record with no defaults, late payments, or disputes.
Tips: Use secured cards to build history and clear all outstanding dues.
Risk: More than 2–3 hard inquiries in 6 months is a red flag.
Tips: Space out applications and use pre-approved offers to avoid unnecessary checks.
Advantage: Existing customers with good transaction history may get better offers and faster approval.
Tips: Maintain a savings account, FD, or loan with RBL Bank.
Requirement: Must live in a serviceable PIN code area (Tier-1 or Tier-2 cities).
Tips: Use the bank’s PIN code checker or provide an alternate eligible address.
Eligibility: Indian residents or NRIs aged 21 to 65.
Tips: NRIs must provide valid address and visa proof.
Impact: Ongoing EMIs or high outstanding balances reduce your repayment capacity.
Tips: Close unused cards, pay off smaller loans, and consolidate EMIs.
Common Issues: Mismatched names, invalid documents, or errors in application details.
Tips: Review application details and submit legible, up-to-date documents.
Note: Approval standards may tighten during economic downturns.
Tips: Apply during financially stable periods or promotional offers.
Consideration: Your UPI activity, mobile usage, and financial app behavior may be factored in.
Tips: Use consistent email/mobile numbers, link accounts, and avoid suspicious activity.
Red Flags: Use of fake documents, fraud history, or high-risk sectors.
Tips: Maintain accurate records, respond promptly to KYC calls, and avoid fraudulent practices.
Impact: Poor repayment behavior by co-applicants or authorized users can affect your profile.
Tips: Monitor usage and ensure timely payments on all linked cards.
Priority: Direct applications via bank branches or representatives may be processed faster than third-party portals.
Monitor and improve your credit score.
Stabilize your income and employment.
Reduce existing debt and maintain a low DTI ratio.
Build a good relationship with RBL Bank if possible.
Submit complete and error-free documents.
Limit credit applications before applying.

Frequently Asked Questions (FAQs)

1. What is the RBL Bank Platinum Edge Credit Card?

The RBL Bank Platinum Edge Credit Card is a lifestyle credit card that offers cashback, travel benefits, and reward points on your everyday spending.

2. What are the eligibility criteria to apply for this card?

You must be an Indian resident, aged 21 to 65 years, with a stable income and a good credit score to apply.

3. Is there an annual fee for the RBL Platinum Edge Credit Card?

Yes, the card comes with a joining fee and an annual fee, but these may be waived based on spending milestones.

4. What are the key benefits of this credit card?

Benefits include fuel surcharge waiver, reward points on all spends, dining discounts, and EMI conversion options.

5. How do I earn reward points with this card?

You earn 2 reward points per ₹100 spent on all purchases except fuel and utility bill payments.

6. Can I convert large purchases into EMIs?

Yes, you can convert eligible purchases above a certain threshold into easy EMIs through the RBL MyCard app or customer care.

7. Are there any travel benefits associated with the card?

The card does not offer airport lounge access but may offer travel-related rewards and partner offers.

8. Is the card accepted internationally?

Yes, the RBL Platinum Edge Credit Card is accepted globally wherever Mastercard is accepted.

9. How can I check my card statement and rewards balance?

You can use the RBL MyCard app, internet banking, or SMS alerts to track your transactions and reward points.

10. What is the interest rate on this card?

The interest rate typically ranges between 3.99% to 3.5% per month (annualized up to 47.88%), depending on usage and payment behavior.

11. Is there a late payment fee?

Yes, late payment charges vary based on the outstanding amount, ranging from ₹0 to ₹1,300.

12. Is there a fuel surcharge waiver?

Yes, a 1% fuel surcharge waiver is available on transactions between ₹500 and ₹4,000 at fuel stations.

13. Can I increase my credit limit?

Yes, you can request a credit limit increase by contacting customer service, subject to eligibility and credit assessment.

14. How do I redeem my reward points?

Reward points can be redeemed for a range of products, gift vouchers, and travel bookings via the RBL rewards portal.

15. How can I apply for the RBL Platinum Edge Credit Card?

You can apply online through the RBL Bank website or visit the nearest RBL Bank branch with your KYC documents.

List of RBL Bank Platinum Edge Credit Card Branches in Andhra Pradesh & Telangana

Adilabad - Adilabad Branch
Nizamabad - Bodhan Branch
Karimnagar - Karimnagar Branch
Khammam - Khammam Branch
Kothagudem - Kothagudem Branch

Mahabubnagar - Mahabubnagar Branch
Medchal - Medchal Branch
Nalgonda - Nalgonda Branch
Nizamabad - Nizamabad Branch
Siddipet - Siddipet Branch

Warangal - Warangal Branch
Zahirabad - Zahirabad Branch
East Godavari - Kakinada
West Godavari - Kovvada (Kakinada E. Godavari)
Guntur - Lalupuram, Guntur

Nellore - Nellore
East Godavari - Peravaram
Chittoor - Thirumala
Krishna - Vijayawada
Visakhapatnam - Visakhapatnam

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