The RBL Platinum Delight Credit Card is an excellent choice for those who enjoy managing their finances wisely while reaping rewards. With a variety of features and benefits, this card enhances everyday spending and offers users a chance to unlock savings. Understanding these benefits can help cardholders maximize their earnings while enjoying hassle-free shopping.
In this post, we will examine the numerous advantages linked to the RBL Platinum Delight Credit Card, including its welcome benefits, reward system, movie perks, associated fees, and a few drawbacks.
Welcome Benefits
Users can swipe the card within 30 days of issuance and earn 4,000 reward points as a welcome gift. To get this welcome benefit users need to make the payment of the annual fee and make a transaction using their credit card within 30 days of card issuance.
Reward System
The reward system of the RBL Platinum Delight Credit Card is one of its standout features. Cardholders earn reward points on every purchase, significantly enhancing the value of their daily spending.
Users earn 2 reward points for every Rs.100 spent on all their purchases and 4 reward points for every Rs.100 spent during the weekends. Value of 1 reward point = INR 0.25. So, that makes the general cashback rate of 0.5% and the weekend cashback rate to 1%. Users can earn a maximum of 1000 reward points per month.
Milestone Benefits
The card also rewards frequent travellers through its milestone benefits. Cardholders can earn 1,000 reward points on swiping their cards 5 times for transactions worth INR 1,000 or more in a calendar month.
This system encourages users to explore more and travel frequently, turning spending into tangible travel rewards. The more you travel, the more benefits you collect, making this card truly valuable for avid explorers.
Fees and Charges
While the RBL Platinum Delight Credit Card offers a wealth of benefits, prospective applicants should be aware of its fees and charges.
Joining fee: INR 1000/- plus taxes.
Annual fee: INR 1000/- plus taxes (waived off on eligible annual spends of INR 2 lakh or more).
Foreign currency markup: 3.50%.
Cash advance fee: 2.5% or INR 500, whichever is higher.
Late payment charges: INR 100 to 1300.
Reward redemption fee: INR 99 per redemption request.
Interest rate: 3.99% monthly, 47.88% annually.
Potential Drawbacks
The RBL Platinum Delight Credit Card, while appealing for its affordability and weekend rewards, has limitations to consider. The cashback rates (0.5% general, 1% weekends) are modest compared to competitors, and the 1,000 reward points/month cap restricts high spenders from maximizing earnings. The milestone benefit—requiring five monthly transactions of ₹1,000+ to earn 1,000 points—may feel underwhelming for frequent users, offering minimal value (₹250/month). The 3.5% forex markup is steep for international travellers, making it less competitive against specialized travel cards. Additionally, while the annual fee is waived on spends over ₹2 lakh, budget-conscious users might struggle to meet this threshold. The high interest rate (47.88% annually) and ₹99 redemption fee further diminish its appeal for those who carry balances or redeem rewards frequently.
Conclusion
The RBL Platinum Delight Credit Card is best suited for moderate spenders prioritizing low annual fees and weekend shopping perks. Its ₹1,000 annual fee (waivable) and 1% weekend cashback offer decent value for casual users who make small, frequent purchases. However, the card’s low reward caps, high forex charges, and unremarkable milestone benefits limit its appeal for heavy spenders, international travelers, or reward chasers. For budget-focused individuals seeking a no-frills card for weekend expenses, it’s a viable option, but those seeking higher rewards or travel benefits should explore alternatives.
If you want to read a more detailed review of this card and find out its AI-powered unbiased rating, click here.
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