RBL Platinum Delight Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: RBL Bank
Network: Visa | Tier: Entry
The RBL Bank Platinum Delight Credit Card is a value-focused, entry-level credit card designed primarily to reward mid-week spending. It features targeted accelerated reward multipliers on mid-week transactions alongside a straightforward milestone fee-waiver structure.
Why Choose the RBL Platinum Delight Credit Card?
The RBL Platinum Delight Credit Card is a Entry-tier Visa credit card issued by RBL Bank, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Entertainment users. With a reward rate of Reward points and an annual fee of ₹1,000, it ranks among the popular Entry-level cards in India in 2026.
New cardholders are welcomed with Welcome gift, which adds immediate value in the first year.
RBL Platinum Delight Credit Card Fees & Charges
| Annual Fee | ₹1,000 |
|---|---|
| Joining Fee | ₹1,000 |
| Interest Rate | 3.99% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
RBL Platinum Delight Credit Card Rewards & Benefits
| Reward Rate | Reward points |
|---|---|
| Welcome Bonus | Welcome gift |
| Lounge Access | None |
| Best For | Entertainment users |
Key Highlights of the RBL Platinum Delight Credit Card
- Entertainment card
- Reward points
RBL Platinum Delight Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2
- 00
- 000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the RBL Platinum Delight Credit Card
- Great for Mid-Week Purchases: The 2X reward boost makes it highly efficient for scheduling grocery shopping
- online orders
- or utility payments on Wednesdays and Thursdays.
- Accessible Entry Threshold: Low joining and annual fees coupled with high approval rates make it excellent for individuals starting their credit journey.
- Low Annual Fee Waiver Target: The annual renewal fee is entirely reversed upon spending a very modest amount over the year.
- Universal Fuel Savings: The surcharge waiver makes refueling convenient without being locked to one specific fuel brand network.
Drawbacks of the RBL Platinum Delight Credit Card
- Low Weekend & Mon/Tue Rewards: Spending on Mondays
- Tuesdays
- or weekends drops back to a meager base rate of just 2 Reward Points per ₹100.
- Completely Lacks Lounge Access: The card does not include any complimentary domestic or international airport lounge visits.
- Low Point Redemption Value: The financial value of the accumulated reward points is relatively small (1 Reward Point is worth roughly ₹0.25).
- High Forex Markup Fee: Standard international transactions are hit with a high foreign currency markup fee of 3.5%.
- Category Exclusions: No reward points are generated on routine spending categories like fuel
- cash advances
- and EMI conversions.
RBL Platinum Delight Credit Card — Frequently Asked Questions
What is the annual fee of the RBL Platinum Delight Credit Card?
The RBL Platinum Delight Credit Card has an annual fee of ₹1,000 and a joining fee of ₹1,000. New cardholders receive Welcome gift as a welcome benefit, which helps offset the joining cost.
Does the RBL Platinum Delight Credit Card offer airport lounge access?
No, the RBL Platinum Delight Credit Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the RBL Platinum Delight Credit Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the RBL Platinum Delight Credit Card?
The RBL Platinum Delight Credit Card earns Reward points. It is best suited for Entertainment users.
Credit Cards Similar to the RBL Platinum Delight Credit Card
If you are considering the RBL Platinum Delight Credit Card, these entry-level credit cards are worth comparing before you apply:
- SBI Cashback Card (Visa) by State Bank of India (SBI) — rated 4.7/5, ₹999 annual fee
- ACE Credit Card by Axis Bank — rated 4.6/5, ₹499 annual fee
- IDFC FIRST Select Credit Card by IDFC First Bank — rated 4.5/5, NIL annual fee
- RBL ShopRite Credit Card by RBL Bank — rated 4.4/5, ₹500 annual fee
Expert Rating: 4.2/5