RBL Bank Credit Card Fees and Charges

RBL Bank Credit Card Fees and Charges

RBL Credit Card Charges and Fees

The RBL Bank Credit Card is a product of RBL Bank, one of India’s oldest banks in the private sector. Like all other offerings by the bank, the RBL credit card is an effective product that works as the perfect financial tool. You can shop with it, pay your bill, avail loans, withdraw cash, earn and redeem reward points, and do so much more. However, owning this diverse payment system comes with a few fees and charges.

Types of RBL Bank Credit Card Charges and Fees

Some of the RBL Credit Card Fees and Charges levied on cards, under various scenarios, is mentioned below-

  • RBL Credit Card Annual Fees-

The RBL credit card yearly charges are the expenses you need to incur every year for owning a credit card. It is also referred to as the RBL credit card annual fees. You can also find RBL credit cards with no annual fee.

  • RBL Credit Card Late Payment charges-

The RBL bank credit card late payment charges are levied when you miss paying the minimum amount against your outstanding bill before the payment due date.

  • RBL Credit Card Over Limit Charges-

RBL bank credit card over limit charges are levied when the balance on your credit card exceeds the credit limit of your card.

  • RBL Credit Card Fuel Surcharge-

This is the charge you are required to pay for using your credit card at a fuel pump for purchasing fuel.

  • RBL Credit Card EMI Charges-

The RBL bank credit card EMI charges refers to the processing fee that is charged on your principal amount if you opt for EMI payment.

  • RBL Credit Card International Transaction Charges –

These charges are to be paid in case you use your credit card for transactions abroad.

  • Cash Advance Fee in RBL Credit Card-

If you use your credit card for cash withdrawal, this fee is charged as a percent of the total amount withdrawn.

Bajaj Finserv Credit Card Charges and Fees for Top 5 RBL Credit Cards

The Bajaj Finance credit card charges and fees vary from card to card. Here is a list of Bajaj credit card charges and fees that are levied on some the top 5 RBL credit cards.

 

Bajaj Finserv Platinum Choice SuperCard

Bajaj Finserv RBL Bank Platinum Choice FYF SuperCard

Bajaj Finserv RBL Bank Platinum Plus SuperCard

Bajaj Finserv RBL Bank World Prime SuperCard

Bajaj Finserv RBL Bank World Plus SuperCard

RBL Credit Card Joining Fee

INR 499 + GST

NIL for 1st year

INR 999 + GST

INR 2,999 + Applicable GST Charges

INR 4,999 + GST

RBL Credit Card Annual Fee

INR 499 + GST

INR 499 + GST

INR 999 + GST

INR 2,999 + Applicable GST Charges

INR 4,999 + GST

RBL Credit Card Reward Redemption Fees

INR 99+GST w.e.f. 01.06.2019

T&C Apply

INR 99+GST w.e.f. 01.06.2019

T&C Apply

INR 99+GST w.e.f. 01.06.2019

T&C Apply

INR 99+GST w.e.f. 01.06.2019

T&C Apply

INR 99+GST w.e.f. 01.06.2019

T&C Apply

RBL Credit Card Cash Advance Transaction Fee

2.5%+GST (min INR 100+GST) of the cash amount

2.5%+GST (min INR 100+GST) of the cash amount

2.5%+GST (min INR 100+GST) of the cash amount

2.5%+GST (min INR 100+GST) of the cash amount

2.5%+GST (min INR 100+GST) of the cash amount

RBL Credit Card Duplicate Statement Fee

INR 100 + GST Charges

INR 100 + GST Charges

INR 100 + GST Charges

INR 100 + GST Charges

INR 100 + GST Charges

RBL Credit Card Outstation Cheque Fee

INR 100 + GST Charges

INR 100 + GST Charges

INR 100 + GST Charges

INR 100 + GST Charges

INR 100 + GST Charges

RBL Credit Card Charge Slip Retrieval / Copy Fee

INR 100 + GST Charges

INR 100 + GST Charges

INR 100 + GST Charges

INR 100 + GST Charges

INR 100 + GST Charges

RBL Credit Card Cheque Return / Dishonor Fee Auto debit Reversal-Bank Account out of funds

INR 500 + GST Charges

INR 500 + GST Charges

INR 500 + GST Charges

INR 500 + GST Charges

INR 500 + GST Charges

RBL Credit Card Cash Payment at Branch Charges

INR 250+GST / cash deposit

INR 250+GST / cash deposit

INR 250+GST / cash deposit

INR 250+GST / cash deposit

INR 250+GST / cash deposit

 

RBL Credit Card Overdue Penalty / Late Payment Charges

15% + GST of Total amount due (Min INR 50 + GST, Max INR 1000 + GST)

15% + GST of Total amount due (Min INR 50 + GST, Max INR 1000 + GST)

15% + GST of Total amount due (Min INR 50 + GST, Max INR 1000 + GST)

15% + GST of Total amount due (Min INR 50 + GST, Max INR 1000 + GST)

15% + GST of Total amount due (Min INR 50 + GST, Max INR 1000 + GST)

Over-limit Penalty Charges

INR 600 + GST

INR 600 + GST

INR 600 + GST

INR 600 + GST

INR 600 + GST

RBL Credit Card International Transaction Charges

3.5% + GST

3.5% + GST

3.5% + GST

3.5% + GST

3.5% + GST

RBL Credit Card Fuel Transaction Charge

1% +GST Surcharge on Fuel transaction value or INR 10 + GST, whichever is higher

1% +GST Surcharge on Fuel transaction value or INR 10 + GST, whichever is higher

1% +GST Surcharge on Fuel transaction value or INR 10 + GST, whichever is higher

1% +GST Surcharge on Fuel transaction value or INR 10 + GST, whichever is higher

1% +GST Surcharge on Fuel transaction value or INR 10 + GST, whichever is higher

RBL Credit Card Finance Charges (Retail Purchases and cash)

APR up to 3.99%+GST per month (up to 47.88% + GST p.a.)

APR up to 3.99%+GST per month (up to 47.88% + GST p.a.)

APR up to 3.99%+GST per month (up to 47.88% + GST p.a.)

APR up to 3.99%+GST per month (up to 47.88% + GST p.a.)

APR up to 3.99%+GST per month (up to 47.88% + GST p.a.)

RBL Credit Card Card Replacement (Lost / Reissue/ Stolen / any other replacement) charges

INR 200+ GST Charges

INR 200+ GST Charges

INR 200+ GST Charges

INR 200+ GST Charges

INR 200+ GST Charges

What is the Interest free Period?

An interest-free period is referred to the time between the transaction date and the bill due date when no interest is charged on the outstanding bill. To enjoy the interest-free Period, you need to pay your full credit card bill on time. You also need to refrain from availing the cash withdrawal facility. For RBL Bank credit cards, depending on the scheme, the interest-free period usually ranges between 20 to 50 days.

Why choose RBL Credit Card from Finserv MARKETS

Choosing an RBL Credit Card from Finserv MARKETS has its advantages-

  • The Bajaj Finserv RBL Bank SuperCard lets you enjoy personal loan against you credit card cash limit, which can be rapid by converting it into pocket-friendly EMIs for a hassle-free repayment

  • The RBL Bank SuperCard lets you enjoy EMI facility when you purchase items both online and offline

  • The Bajaj Finserv RBL Bank SuperCard comes with stringent security measures that are aimed to protect your precious finances against fraud and cyber crimes

  • The Bajaj Finserv RBL Bank SuperCard can be used to withdraw cash, interest-free, on your credit limit against a minimal processing fee

  • The Bajaj Finserv RBL Bank SuperCard offers several benefits, lucrative offers, and also helps you enjoy big savings annually.

So hurry, apply for a Credit Card today and avail exciting benefits. Also, if you are a student, you can apply for a Student Credit Card to avail exciting rewards.

Frequently Asked Questions

  • ✔️What are the Finance Charges in RBL Credit Card?

    One of the Bajaj credit card charges is the Finance charge which is levied in case a cardholder fails to clear the complete outstanding bill by the payment due date. After the interest-free period, a 3.99 percent interest is charged.

  • ✔️What are the RBL Bank Credit Card Annual Charges?

    The RBL credit card annual fee varies from card to card. The Bajaj Finserv Platinum Choice SuperCard has an annual fee of 499+GST, whereas the Bajaj Finserv RBL Bank World Plus SuperCard has a yearly fee of INR 4,999 + GST. Browse through the range and find the ideal card for yourself. You can also find RBL bank credit cards with zero annual fee.