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RBL Bank Monthly Treats Credit Card

The RBL Bank Monthly Treats Credit Card is tailored for millennials, offering rewards aligned with their lifestyle needs. With a monthly membership fee of just Rs. 50, which can be waived by spending Rs. 3,000 or more in the previous month, this card provides excellent value. Cardholders earn up to two Reward Points for every Rs. 100 spent, which can be redeemed across various options.

Additionally, enjoy 10% cashback on groceries, Swiggy, BookMyShow, utility bill payments, and more based on your monthly spending. The card also includes a 1% fuel surcharge waiver applicable at all fuel stations nationwide, ensuring savings on fuel transactions. Explore the details below to learn more about the features and benefits of this credit card.

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What is a RBL Bank Monthly Treats Credit Card?

The RBL Bank Monthly Treats Credit Card is a rewards-based credit card designed primarily for millennials, offering several benefits to suit their lifestyle. This card has a low monthly membership fee of Rs. 50, which can be waived if you spend Rs. 3,000 or more in the previous month. Cardholders earn up to two reward points for every Rs. 100 spent, with the opportunity to redeem points across a variety of options. Additionally, you can earn 10% cashback on spending in categories like groceries, Swiggy, BookMyShow, and utility bill payments. The card also offers a 1% fuel surcharge waiver at fuel stations across the country, providing added savings on fuel transactions.

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Key Highlights of the RBL Bank Monthly Treats Credit Card

Particulars

Details

Joining Fee

Rs. 100 per month + GST

Renewal Fee

Rs. 100 per month + GST (waived off on spending Rs. 5,000 the previous month)

Suitability

Best suited for shopping and entertainment

Vouchers

Enjoy vouchers worth up to Rs. 6,000 in a year

Reward Points

Earn one Reward Point for every Rs. 100 spent on eligible categoriesEarn 5X Reward Points on spending online

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Features and Benefits of the RBL Bank Monthly Treats Credit Card

Mentioned below are the features and benefits of the RBL Bank Monthly Treats Credit Card:

Particulars

Details

Limits or Conditions

Reward Points

Earn one Reward Point for every Rs. 100 spent on eligible categories.Earn 5X Reward Points on online spends.Redeem points at Rs. 0.20 per point.

Points redemption value and eligibility are subject to terms and conditions.

10% Cashback on Popular Brands

Enjoy 10% cashback on Zomato, Myntra, and Uber.Cashback is applied on top of other discounts offered on these platforms.

Max cashback: Rs. 900 per month (Rs. 300 per brand).Cashback credited in the monthly statement.

Milestone Rewards

Spend Rs. 2 lakh per year: Get Rs. 1,000 vouchers.Spend Rs. 5 lakh per year: Get Rs. 5,000 vouchers.Choose from brands like Amazon, Myntra, and Shoppers Stop.

Vouchers delivered within 45 days of meeting spending milestones.

Monthly Fee Waiver

Spend Rs. 5,000 or more in a month to get a waiver on the next month’s Rs. 100 + GST membership fee.

Only applicable to eligible category spends.

BookMyShow Discount

10% instant discount (up to Rs. 300) on movie ticket bookings via the BookMyShow app or website.

Available once per month.

Fuel Surcharge Waiver

Get a surcharge waiver on fuel spends between Rs. 500 and Rs. 4,000. (Max waiver: Rs. 150 per month)Reflected in the monthly statement.

Waiver applies only to eligible fuel transactions.

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RBL Bank Monthly Treats Credit Card Limit

RBL Bank will be allotting the credit card limit based on a few factors. Some of these factors which will play a role in the card limit will be the credit score, the credit report, credit utilisation ratio. Any past and ongoing debts and the repayment habits of the primary cardholder will also be considered.

Type of Charge

Fee

Finance charges

Up to 3.99% per month, 47.88% p.a.

Cash Advance Transaction fee

2.5% of the cash amount (subject to a minimum amount of Rs500)

Add-on card fee

Nil

Cash payment at branches

Rs. 100 on transactions done at the bank

Late payment fee

12.5% of the total amount due subject to a minimum of Rs. 5 and a maximum of Rs.1,300

Overlimit penalty

Nil

Foreign Currency mark-up

Up to 3.50%

Surcharge on payment or cancellation of railway tickets

1.8% of the IRCTC Service Charges + Payment Gateway

Surcharge on fuel transactions

1% of the fuel transaction

Reward redemption fee

Rs. 99 + GST 

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Eligibility Criteria of the RBL Bank Monthly Treats Credit Card

The eligibility criteria for this credit card are:

  1. The applicant should be between the age of 18 and 70 years.
  2. Being a citizen of India is a must.
  3. The age of the supplementary applicant must be a minimum of 15 years.
Other RBL Bank Credit Cards
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  2. RBL Bank Shoprite Credit Card
  3. RBL Bank Titanium Delight Credit Card
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  5. RBL Bank Icon Credit Card
  6. RBL Bank Platinum Max SuperCard
  7. RBL Insignia Preferred Banking World Card
  8. RBL Bank Cookies Credit Card
  9. RBL Bank World Safari Credit Card
  10. RBL Bank Platinum Maxima Credit Card
  11. RBL Bank Moneytap Black Credit Card
  12. RBL Bank Platinum Advantage Supercard
  13. RBL Bank Platinum Bonus Supercard
  14. RBL Bank Platinum Shopsmart Supercard
  15. RBL Bank Platinum Traveleasy Supercard
  16. RBL Bank Platinum Value Plus Supercard
  17. RBL Bank World Prime Supercard Credit Card
  18. RBL Bank World Plus Supercard
  19. RBL Bank Platinum Choice Supercard
  20. RBL Bank Platinum Plus Supercard
  21. RBL Bank Platinum Edge Supercard
  22. RBL Bank Platinum Prime Supercard
  23. RBL Bank Platinum Classic Supercard
  24. RBL Bank World Max Supercard

Documents Required to Apply for the RBL Bank Monthly Treats Credit Card

You will need to submit the documents which are required to process your application, once you are qualified for the card. Some of these documents are:

  1. Address Proof
    1. Passport
    2. Voter ID
    3. Ration Card
    4. Aadhaar card
  2. Proof of Identity
    1. Passport
    2. Driving License
    3. Aadhaar card
  3. Income Proof
    1. IT Returns
    2. Salary Slip
    3. Form 16

The above-mentioned list of documents is indicative. The bank can ask you to submit various other documents depending on the requirement.

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RBL Bank Monthly Treats Credit Card Rewards Redemption

  1. Redeem your accumulated Reward Points through the RBL Rewards platform.
  2. Points can be redeemed for travel, hotel bookings, or various products listed on the Rewards website.
  3. Redemption Value: One Reward Point equals Rs. 0.25.
  4. A redemption fee of Rs. 99 applies per redemption request.

Steps to Redeem Your Voucher

Mentioned below are the steps to redeem your RBL Monthly Treats Credit Card voucher:

  1. Receive Eligibility Notification: Once eligible, you will receive an email and SMS containing a redemption link.
  2. Access Redemption Webpage: Click on the link provided to open the redemption webpage.
  3. Enter Mobile Number: Input your registered mobile number and click on the 'Submit' button.
  4. Verify with OTP: Enter the OTP sent to your registered mobile number for verification.
  5. Select Voucher: Browse and choose your preferred voucher from the available brand options.
  6. Specify Details: Select the desired denomination and quantity for redemption.
  7. Complete Redemption: Click the 'Submit' button, and the voucher will be sent to your registered mobile number and email ID.
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FAQs on RBL Bank Monthly Treats Credit Card

  • What benefits do I receive with the RBL Bank Monthly Treats Credit Card?

    The RBL Bank Monthly Treats Credit Card offers cashback of 10% on your entertainment, dining and bill payment expenses. Along with this, you also receive a fuel surcharge waiver.

  • What are the income proof documents required for the RBL Bank Monthly Treats Credit Card?

    The documents which may be required for income proof are copy of IT Returns, Salary slip and Form 16.

  • How can I apply for the RBL Bank Monthly Treats Credit Card?

    You can apply for the RBL Bank Monthly Treats Credit Card either from BankBazaar or from the official website of RBL Bank.

  • What is the RBL Bank Monthly Treats Credit Card?

    The RBL Bank Monthly Treats Credit Card is a lifestyle-oriented credit card designed for millennials, offering rewards, cashback, and fuel surcharge waivers at an affordable monthly fee of Rs. 50.

  • What is the monthly membership fee for the card, and how can it be waived?

    The monthly membership fee is Rs. 50. It is waived if you spend Rs. 3,000 or more in the previous month on eligible categories.

  • How can I earn Reward Points using the Monthly Treats Credit Card?

    You earn up to 2 Reward Points for every Rs. 100 spent on eligible transactions. Points can be redeemed across various options, including travel, shopping, and more.

  • What documents are required to apply for the RBL Monthly Treats Credit Card?

    You need identity proof (e.g., Aadhaar, PAN card), address proof, income proof (e.g., salary slips, ITR), and passport-sized photographs for application.

  • How can I apply for the RBL Monthly Treats Credit Card?

    To apply, visit the official RBL Bank website, fill out the application form with personal and financial details, and submit the required KYC documents. If you are eligible, the bank will approve your application and issue the card.

  • Does any RBL Bank credit card offer an instant cash facility?

    Yes, the RBL Bank BankBazaar SaveMax Credit Card offers instant cash into your bank account through the Xpress Cash Facility feature.

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