When used correctly, credit cards can improve your spending capacity and enhance your purchasing power. With the rewards and offers that credit cards offer, you can also maximise your savings while spending money on your regular purchases. However, if you have never applied for or owned a credit card before, you may be confused about which card to choose.
Here’s where RBL Bank Credit Cards may be some excellent options to consider. RBL Bank offers several entry-level credit cards that are suitable for first-time credit card applicants. Some examples of such beginner-friendly cards are listed below.
RBL Bank Credit Cards Suitable for First-Time Credit Card Applicants
As a first-time credit card applicant, you may or may not have a credit history. If you do not have a credit history or a credit score, it may be better to opt for a secured credit card instead. However, if you have availed of other credit facilities like personal loans or overdraft facilities, you may already have a credit score.
If that score is 750 or higher, you may be eligible for the following entry-level RBL Bank Credit Cards.
RBL Bank Monthly Treats Credit Card
The RBL Bank Monthly Treats Credit Card comes with a nominal monthly membership fee of just ₹75 plus GST. What’s more, this fee is waived if you spend a minimum of ₹3,000 during the previous month, making the card practically free to use.
Furthermore, this RBL Bank Credit Card offers the following benefits and rewards:
- 10% cashback on grocery purchases, Swiggy orders and BookMyShow tickets each month (up to ₹100 on each category)
- 1 reward point for every ₹100 spent offline (except on fuel purchases)
- 2X rewards on online purchases
- Waiver of fuel surcharge in all fuel stations on transactions between ₹500 and ₹4,000 (up to ₹100 per month)
RBL Bank ShopRite Credit Card
This RBL Bank Credit Card is available for a nominal annual fee of just ₹500. This fee is reversed if you spend ₹1.5 lakhs in the previous year. The credit card also gives you various benefits and rewards that help you save even as you spend. You get discounts, value back offers and so much more.
Check out the top features of this entry-level credit card that you can take advantage of.
- A welcome gift of 2,000 reward points on paying the joining fee and making a purchase within 30 days of card issuance
- 1 reward point on every ₹100 spent on all purchases (except on fuel purchases)
- 20 reward points for every ₹100 spent on grocery shopping (up to 1,000 reward points each month)
- 10% discount on movie tickets booked via BookMyShow 15 times each year (up to ₹100)
RBL Bank Cookies Credit Card
The RBL Bank Cookies Credit Card offers various lifestyle-based rewards, making it an excellent choice for first-time applicants with many lifestyle expenses to meet. This credit card comes at a monthly membership fee of ₹100, which is waived if you spend ₹5,000 in the previous month.
With this RBL Bank Credit Card, you can also look forward to the following benefits:
- Welcome gift voucher worth ₹1,000 from Myntra, Amazon, Flipkart, Shoppers Stop or Croma (on spending within the first 30 days of card issuance)
- An additional voucher worth ₹1,000 from the above-mentioned partners on spending ₹2 lakhs in a year
- Another voucher worth ₹5,000 from the above-mentioned partners on spending ₹5 lakhs in a year
- 10% cashback on Uber, Myntra and Zomato purchases (up to ₹300 each month)
- 10% off on BookMyShow purchases (up to ₹300 each month)
- 1 reward point for each ₹100 spent offline (except on fuel purchases) and 5 reward points for each ₹100 spent online
Bajaj Finserv RBL Bank Platinum Plus SuperCard
The Bajaj Finserv RBL Bank Platinum Plus SuperCard is a co-branded credit card issued by RBL Bank in association with Bajaj Finserv. It is available for a joining fee of ₹999 plus GST and carries annual fees of ₹999 plus GST. However, the annual fee is waived on spends of ₹1,00,000 in the previous year.
The other benefits that make the Bajaj Finserv RBL Bank Platinum Plus SuperCard suitable for first-time applicants include the following:
- 4,000 reward points as a welcome gift (on payment of the joining fee and on spending ₹2,000 within the first 30 days of card issuance)
- 2 complimentary domestic airport lounge visits in a year
- 1+1 free movie tickets on BookMyShow once a month (up to ₹200, valid from Monday to Friday)
- Fuel surcharge waiver across all fuel stations in India (up to ₹100)
The RBL Bank Credit Cards listed above each come with their own features and benefits, as you have seen. As a first-time credit card applicant and owner, you may find it challenging to keep track of all the features that your credit card offers. Getting to know how each feature works can make this easier for you. In addition to this, you will also have to monitor your spends, so you do not exceed the credit limit on your card.