RBL Bank Platinum Delight Credit Card

RBL Bank · Open to apply

A ₹1,000 starter rewards card (waived at ₹2 lakh of spend) with 4,000 welcome points, 2 points per ₹100 (4 on weekends), a monthly bonus for five swipes of ₹1,000 and a fuel surcharge waiver.

Annual fee
₹1,000 + GST a year
Joining fee
₹1,000 + GST
Fee waiver
Annual fee waived on ₹2,00,000 spend per card year
Base rate
2 reward points per ₹100 on weekday spends: 2 RBL Reward Points per ₹100 (about 0.5% at cash value)
Lounges
None on record
Forex markup
3.5%
Data
From bank documents, checked 6 Nov 2026

Earns nothing on

  • No reward points on fuel and auto, utilities, insurance, rent, wallet, quasi-cash, education and government services
  • No reward points on railways
  • No reward points on EMI conversions

Where the sources disagree

  • exclusions from the monthly bonus and from earning: The T&C (written before 15 Oct 2024, its examples use September 2024) keeps only fuel and auto, EMI, cash, fees, charges and GST out of the monthly bonus spend, and lists utilities, insurance, railways, rent, wallets and miscellaneous as earning no points. The page adds, "w.e.f. October 15, 2024", that quasi-cash, education, government services, contracted services, cash and Bills2Pay earn nothing and that the bonus excludes the same categories as the fee waiver. We follow the page, the later statement.
  • weekend points cap: The page says "Avail a maximum of 1,000 reward points per month"; the T&C limits the 1,000 points a month to what the weekend spends earn. Not modelled either way (see not_modelled).

Terms the calculator does not value

  • RBL values a point at ₹0.11 to ₹0.25 depending on the redemption category (World cards' pages) and publishes no table; this card's own documents state no value, so the calculator uses ₹0.25 (the top of that range, and the figure on the Titanium Delight page). The card's value is at the high end. Cashback against the statement needs at least 2,000 points and no cashback value is published for this card.
  • Weekend spends (Saturday and Sunday) earn 4 reward points per ₹100, with at most 1,000 points a month from weekend spends (T&C 3.3; page: "1% additional value back on your weekend purchases"). The calculator cannot match days of the week, so every eligible spend earns the 2-point weekday rate.
  • The monthly 1,000-point bonus needs five transactions of ₹1,000 or more; it is entered as a ₹5,000 monthly spend threshold, which understates the effort for a holder who makes few large purchases.
  • Contracted services (MCCs 1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780) and bills paid through RBL's Bills2Pay facility earn no points; neither is a category here.
  • Eligibility criteria are not in the documents read.

Sources

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