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RBL Bank Lazy Pay Credit Card

Product Details
Credit Card Name : 

RBL Bank Lazy Pay Credit Card

Bank Name :

RBL Bank

Type :

Regular Credit Card

Interest Rate : 

3.99% p.m (upto 47.88% p.a).

Eligibility :

Minimum age of the card holders should be 18. 
Only Indian residents can apply.

RBL Bank Lazy Pay Credit Card
Pros
  • Welcome Benefits: Earn cashback of Rs. 250 on making spends within the first 30 days of card issuance.

  • Reward System: 1% cashback on all online and POS Transactions (except Fuel purchases, Insurance payments, rental payments, cash & quasi cash transactions).

  •  Other Benefits: Lifetime free card.

Cons
  • Low cashback rate. 

  • Lacks standard features like free lounge visits. 

  • Limited value add features.

Pros & Cons
Welcome Benefits

Welcome Benefits: Earn cashback of Rs. 250 on making spends within first 30 days of card issuance.

Rewards System

Cashback Rate: 1% On all online and retail transactions except fuel (capped at Rs. 500 per month).

International Forex Markup

3.5%.

Welcome Benefits and Reward System
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.

Benefits


  • 1% cashback up to INR 500 per month on all Retail outlet & Online spends.

  • Welcome benefit of Rs. 250.

  • Easy EMI options for worry-free spending.

  • No annual fee.

  • No joining fee.

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

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

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

Product Review
Fees & Charges
  • Joining fees: Nil for primary card & add-on cardholder.

  • Annual membership Fees: NIL.

  • Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500).

  • Late Payment fees: 15% of Total amount due (Min Rs.50, Max Rs.1,500).

  • Finance charges: 3.99% p.m (upto 47.88% p.a).

  • Foreign Currency Transaction Fees: 3.5%.

  • Reward Redemption fees: Rs 99. 

  • EMI Processing fees : Rs 199 + GST

Fuel Surcharge

1%. No waiver is offered.

Billing Cycle

30 days.

Fees & Charges
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