RBL Bank Lazy Pay Credit Card
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उत्पाद विवरण
क्रेडिट कार्ड का नाम
RBL Bank Lazy Pay Credit Card
Bank Name :
RBL Bank
प्रकार
Regular Credit Card
ब्याज दर
3.99% p.m (upto 47.88% p.a).
पात्रता
Minimum age of the card holders should be 18.
Only Indian residents can apply.
पेशेवरों
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.
दोष
Low cashback rate.
Lacks standard features like free lounge visits.
Limited value add features.
पक्ष विपक्ष
Welcome Benefits
Welcome Benefits: Earn cashback of Rs. 250 on making spends within first 30 days of card issuance.
पुरस्कार प्रणाली
Cashback Rate: 1% On all online and retail transactions except fuel (capped at Rs. 500 per month).
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
3.5%.
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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.
फ़ायदे
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.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
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.
सम्पर्क करने का विवरण
RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
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.
Low cashback rate.
Lacks standard features like free lounge visits.
Limited value add features.
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
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
उत्पाद समीक्षा
फीस एवं प्रभार
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
ईंधन अधिशुक्ल
1%. No waiver is offered.
Billing Cycle
30 days.