RBL Platinum Delight Credit Card: Fees, Rewards & Benefits
Rewards card
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The RBL Platinum Delight is a simple mid-tier card whose appeal is the easy 1,000-point monthly bonus for five Rs. 1,000+ transactions, plus a low and waivable Rs. 1,000 fee. With no lounge access, a 0.25-per-point value and a 3.5% forex markup, it suits routine domestic spenders rather than travellers or rewards maximisers.
Rewards card
The Bottom Line
The RBL Platinum Delight is built for light everyday spender and fee-waiver-focused user. With a ₹1,000 annual fee that is waived on ₹2,00,000 yearly spend, it offers 1% rewards on other and 4,000 bonus points. It makes the most sense if your spending matches light everyday spender and fee-waiver-focused user.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Light everyday spender, Fee-waiver-focused user. The renewal fee gets easier to justify once you can hit ₹2,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealSomeone who makes at least 5 transactions of Rs. 1,000+ a month and can effortlessly bank the 1,000-point monthly bonus on a low Rs. 1,000 fee.
A cardholder spending around Rs. 2 lakh a year who wants the fee fully waived while collecting the accelerated and milestone points.
Probably not for
SkipWith no lounge access and a 3.5% forex markup, this card offers nothing for travel or overseas spend.
The 0.25-per-point value and 1,000-point monthly cap limit total returns for anyone chasing strong reward rates.
Is It Worth It For You?
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Reward Rates
RBL Platinum Delight offers 0.5% basic reward rate.
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Welcome Offer
4,000 reward points as a welcome benefit on making at least one purchase within 30 days of card issuance; points credited within 60 days from the date of card issuance.
Milestone Benefits
1,000 bonus reward points on completing 5 transactions of INR 1,000 or more each in a calendar month (minimum INR 5,000 across 5 qualifying transactions).
Annual fee waiver on spends of INR 2,00,000 or more in a membership year.
Fees & Charges
Eligibility
- Min Income: ₹5 Lakhs
- Min Credit Score: 750
- Age 21-65; salaried net monthly income ~Rs 30,000 (Rs 3.6L p.a.); self-employed min Rs 5L p.a.; 2X reward points on weekends.
Exclusions & Terms
Forex markup
- Foreign currency markup
Cash Advances
- Cash withdrawals do not earn reward points and attract a cash advance fee and finance charges.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
₹1,000 annual fee. Apply on the RBL Bank website.
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