RBL Bank Lazy Pay Credit Card
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users can earn cashback of Rs 250 on making spends within the first 30 days of card issuance.
Milestone Benefits
Cashback Rate
1% cashback on all online and retail transactions except fuel (capped at Rs. 500 per month).
1% cashback up to INR 500 per month on all Retail outlet & online spends.
Movie Benefits
Dining Benefits
Other Benefits
Other Benefits: Lifetime free card.
Lounge Access
Rewards & Benefits
Welcome Benefits
Welcome Benefits: Users can earn cashback of Rs 250 on making spends within the first 30 days of card issuance.
Milestone Benefits
Cashback Rate
1% cashback on all online and retail transactions except fuel (capped at Rs. 500 per month).
1% cashback up to INR 500 per month on all Retail outlet & online spends.
Movie Benefits
Dining Benefits
Other Benefits
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Lounge Access
Fees & Charges
Joining Fee
s: Nil for primary card & add-on cardholder.
Annual Fee
Annual membership Fees: NIL.
Cash Advance Fee
Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500).
Interest rate
Up to 3.99% per month or 47.88% per annum.
Late Payment Fee
Late Payment fees: 15% of Total amount due (Min Rs.50, Max Rs.1,500).
Foreign Currency Transactions Fee
Foreign Currency Transaction Fees: 3.5%.
Other Fees
Finance charges: 3.99% p.m (upto 47.88% p.a). | Reward Redemption fees: Rs 99. | EMI Processing fees : Rs 199 + GST
Fees & Charges
Joining Fee
s: Nil for primary card & add-on cardholder.
Annual Fee
Annual membership Fees: NIL.
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
Up to 3.99% per month or 47.88% per annum.
Late Payment Fee
Late Payment fees: 15% of Total amount due (Min Rs.50, Max Rs.1,500).
Foreign Currency Transactions Fee
Foreign Currency Transaction Fees: 3.5%.
Other Fees
Finance charges: 3.99% p.m (upto 47.88% p.a). | Reward Redemption fees: Rs 99. | EMI Processing fees : Rs 199 + GST
Special Features
The card allows cardholders to convert purchases into installments, enabling them to spread out their payments over time.
Eligibility Criteria
Minimum age of the card holders should be 18.
Only Indian residents can apply.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Here are the steps on how to apply for RBL Bank's Lazy Pay Credit Card:
Download the LazyPay app on your mobile phone.
Open the app and create an account.
Click on the "Apply for Credit Card" tab.
Fill out the application form and upload the required documents.
Submit the application form and wait for approval.
The required documents for the application are:
A valid PAN card
A valid Aadhaar card
A recent passport-sized photograph
A recent bank statement
The approval process usually takes a few days. Once your application is approved, you will be issued a Lazy Pay Credit Card.
Contact Details
RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com
Account Opening and Procedure
RBL Bank Lazy Pay Credit Card's main USP is that it allows you to convert your large purchases into EMI. Barring that it has almost 0 value add benefits. It offers a low cashback rate of 1%.
RBL Bank Lazy Pay Credit Card's main USP is that it allows you to convert your large purchases into EMI. Barring that it has almost 0 value add benefits. It offers a low cashback rate of 1%.
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai