RBL Bank Titanium Delight Credit Card

By | July 24, 2020
RBL Bank Titanium Delight Credit Card

RBL Bank Titanium Delight Credit Card one of the Entry-level of cards from RBL Bank. RBL Bank Titanium Delight Credit Card rewards point is very low compared to other bank entry-level cards but if it used in efficient way then its par with premium level credit card.

Free movie tickets on Wednesdays, Reward points on all purchases and amazing mid-week delights that’s what RBL Bank Titanium Delight Credit Card brings to you. I will share everything in details about this card.

RBL Bank Titanium Delight Credit card Annual fee and Joining Fees

  • Joining Fees– INR 750+ GST
  • Annual Fees- INR 750+ GST(Renewal Fees Waived on 3 Lakhs Spends on Annual spends)
  • Welcome Gift-Get a welcome gift of 2000 Reward points on 1st swipe within 30 days and payment of joining fees by first payment due date. Get Bonus reward points 1000 on spends of Rs. 10,000 within 60 days.

Rbl bank titanium delight credit card features and benefits

BL Bank Titanium Delight Credit Card comes with different types of  rewards: Regular, Milestone & Accelerated here’s everything about it below.

Regular Rewards

RBL Bank Titanium Delight Credit Card rewards its holder 1(One) rewards points for every spends of Rs. 100/- on all your purchases like travel, groceries, dining and even your utility bills

Milestone Rewards

RBL Bank Titanium Delight Credit Card: Get Bonus rewards points 4000 on annual spends of Rs. 1,20,000/- or more every year.

Accelerated Rewards

Midweek Delights

  • Every month 1+1 free movie tickets on bookMyShow every on Wednesday
  • Value back of 5% on groceries purchases on every Wednesday
  • Pizza Mania – Every Wednesday order a pizza from Domino’s/Pizza Hut online and get 10% value back

NOTE -1
Maximum of Rs. 200/- only on 1+1 movie tickets, ticket price difference above Rs. 200/- shall be bear by cardholder itself. Value back on groceries purchase on every Wednesday and Domino’s/Pizza Hut online purchase on every Wednesday gets value back as rewards points.

For the sake of better grasp of Rewards points we will, calculate the rewards summary by taking Rs. 10000/- spends per month on every category on below table.

DescriptionMonthly SpendsRewards PointsRewards Value

Regular Expenses (One Rewards Points for every Rs. 100/- Spends
INR 1001.000.18
Midweek Delights Spends on Wednesdays-GroceriesINR 10020.003.60
Midweek Delights Spends on Wednesdays-PizzaINR 10040.007.20
Total SpendsINR 30061.0010.98
Rewards Summary

Note: Previous month RBL Bank has reduced it Rewards Point Value from 0.25 to as low as 0.18 to 0.16. For above rewards points calculation I have taken shopping catalogue redemption.  Check RBL Rewards Portal for more update.

Pro Tips- 1: Use your RBL Bank Titanium Delight Credit Card on Wednesday only, its rewards value is very attractive on Wednesday. Use your card to purchase groceries or Pizza Domino’s/Pizza Hut online. Value Back is 3.60 % groceries and 7.20 % on Piazza Hut or Domino Piazza.

Pro Tips- 2: Redeem your rewards points for Airmiles only because RBL Bank has still not reduced rewards value for Travelling, Its still intact 0.25%.

Rbl bank titanium delight credit card Charges

ParticularsDetails of Charges
Add-on Card FeeNIL
Finance charges (Retail and Cash)APR up to 3.99% p.m. (47.88% p.a.)
Cash Advance Transaction fee.5% (min Rs.300) of the cash amount
wef July 1, 2020, 2.5% (min Rs.500) of the cash amount
Overdue Penalty / Late Payment Fee15% of Total amount due (Min Rs.50, Max Rs.1000)
wef July 1, 2020, 15% of Total amount due (Min Rs.50, Max Rs.1250)
Over Limit PenaltyRs.600
Cash Payment at branchesRs.250 / cash deposit transaction at RBL Bank branch
Surcharge on Purchase / Cancellation of
Railway Tickets
IRCTC Service charges * + Payment Gateway. Transaction charge [Up
to 1.8% of (ticket amount +IRCTC service charge)]
Fuel Transaction Charge for transaction made
at petrol pumps to purchase fuel
1% Surcharge on Fuel transaction value or Rs.10, whichever is higher
Foreign Currency TransactionUp to 3.5%

Bottomline

RBL Bank Titanium Delight Credit Card is good for beginner level, if card uses wisely then par with premium level card in industry.

Do you have RBL Bank Titanium Delight Credit, or planning to apply one? Share your thought in the comments below. or Do you have any questions to query in this regard than question in the comment box, so that I can reply to your ?.

FAQ

Rbl bank titanium delight credit card minimum limit ??

Credit Limit is not very good, Range is from Rs. 20000/- to 1,00,00/- However may differ from person to person.

Which is better titanium or platinum credit card?

Platinum is always better than titanium

Rbl bank titanium delight credit card lounge access ?

Rbl Bank do not provides Lounge access benefits

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Author: Dhiraj Jha

I love to acquire, review, and earn reward points/cashback from Credit Cards for free traveling and enjoying luxury hotels. Helping people about the benefits and optimal utilization of credit cards.

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