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RBL Bank VCard

Product Details
Credit Card Name : 

RBL Bank VCard

Bank Name :

RBL Bank

Type :

Rewards Credit Card

Interest Rate : 

Interest Rates/ charges: upto 3.99% p.m (upto 47.88% p.a)

Eligibility :

You must be at least 18 years old
Your minimum income must be from Rs. 1 lakh to Rs. 3 lakhs p.a.
You must be either self-employed or salaried

RBL Bank VCard
Pros
  • Reward System: You can earn 1 reward point on every INR 100 spent. Every Wednesday get 40 Reward Points on every INR 100 spent on online orders of Pizza Hut & Domino's, and get 20 Reward Points on every INR 100 spent on Groceries on Wednesdays. 1 RP =0.25 paisa. General Cashback Rate: 0.25%, Effective Cashback Rate for online orders: 10%, and Effective CB Rate for grocery shopping: 5%. 

  • Milestone Benefit: Get 4,000 bonus reward points on crossing spends of INR 1.2 lacs in a year. 

  • Movie Benefits: 1+1 free movie ticket (Up to INR 200/-) on BookMyShow once a month for Wednesday shows. 

Cons
  • Low cashback rate. 

  • Annual fee is charges upon the users. 

  • Lacks standard features like free lounge visits. 

  • Limited value add features. 

  • No welcome benefit 

  • Reward Points will not accrue on UPI transactions made through vCard Mobile App Reward Points are not accrued on fuel spends, railways, rentals, utility bill payments, and miscellaneous categories

Pros & Cons
Welcome Benefits

None 

Rewards System
  • You can earn 1 reward point on every INR 100 spent. 

  • Every Wednesday get 40 Reward Points on every INR 100 spent on online orders of Pizza Hut & Domino's, and get 20 Reward Points on every INR 100 spent on Groceries on Wednesdays. 

  • 1 RP =0.25 paisa. 

  • General Cashback Rate: 0.25%. 

  • Effective Cashback Rate for online orders: 10%, and 

  • Effective CB Rate for grocery shopping: 5%. 

International Forex Markup
3.50%
Welcome Benefits and Reward System
Special Features

Convert card spends into EMIs conveniently from vCard App

Eligibility Criteria

You must be at least 18 years old
Your minimum income must be from Rs. 1 lakh to Rs. 3 lakhs p.a.
You must be either self-employed or salaried

Benefits
  • Zero annual fee for the first year. 

  • Wednesday Delights: You will get the following offers on Wednesdays: 1+1 free movie ticket 

  • 40 Reward Points on every INR 100 spent on online orders of Pizza Hut & Domino's on Wednesdays.

  • 20 Reward Points on every INR 100 spent on Groceries on Wednesdays. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

Here are the steps on how to apply for the RBL Bank vCard: 

  • Download the vCard app on your mobile phone. 

  • Open the app and provide your basic information, such as your name, email address, and PAN number. 

  • Upload a copy of your PAN card and address proof. 

  • Complete your eKYC by providing your Aadhaar number and biometrics. 

  • Once your application is approved, you will be able to use the vCard app to make payments.

Contact Details

RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com

Account Opening and Procedure
RBL Bank VCard

The RBL Bank vCard is a decent option for value-conscious individuals who appreciate mobile-based payment and management features. The additional benefits like fuel surcharge waiver and free credit monitoring are attractive. However, the lower reward rate, limited redemption options, and potential customer service concerns are factors to consider.

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: RBL Bank vCard comes free for the first year 

  • Annual membership Fees: 500 + GST (from 2nd year) The Membership Fee for the second year is Rs. 1499/-, but is waived off on spends of Rs. 1 lacs or more in the previous year. 

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

  • Late Payment fees: Up to Rs.100 - ZeroLate fee. Above Rs.100 -12.5% of total due amount (Max Rs. 1300/-) 

  • Finance charges/ Interest Charges: upto 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
Fuel Transaction Charge : 1% Surcharge on Fuel transaction value or Rs.10, whichever is higher. However, Fuel surcharge waiver of up to Rs.100 per month is available. (The Surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4,000.)
Billing Cycle

30 days

Fees & Charges
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