RBL Bank Titanium Delight Credit Card one of the Entry-level cards from RBL Bank. RBL Bank Titanium Delight Credit Card rewards point is shallow compared to other bank entry-level cards, but if it is used efficiently, then it’s par with a 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. Here is the detailed review about this credit, that will help you in decision making.
Table of Contents
- Fees and Charges
- Titanium delight credit card benefits
- Titanium Delight Credit Card Vs Platinum Aura Credit Card
Rbl bank titanium delight credit card Charges
|Types of Charges||Amount|
|Finance Charges||Up to 3.99% p.m. (47.88% p.a.)|
|Late payment charges||15% of Total amount due (Min Rs.50, Maximum Rs.1250)|
|Add-on Card Fee||Nil|
|Cash Advance Transaction fee||2.5% (min Rs.300) of the cash amount|
|Over Limit Penalty||Rs.600|
|Foreign Currency Transaction||3.5%|
Titanium delight credit card benefits
RBL Bank Titanium Delight Credit Card comes with different rewards: Regular, Milestone & Accelerated; here’s everything about it below.
- 1 Rewards Points on Rs.100 Spending
- 1 Rewards Point Value = 0.25 Ps
RBL Bank Titanium Delight Credit Card rewards its holder 1(One) rewards points for 1 rewards points on spending. 100/- on all your purchases like travel, groceries, dining, and even your utility bills.
The regular rewards rate is almost 0.25% if redeemed in flight booking, otherwise rewards is almost 0.16% for other redemption.
RBL Bank Titanium Delight Credit Card: Get Bonus rewards points 4000 on annual spending of Rs. 1,20,000/- or more every year.
Milestone Value is Equal to Rs.1,000. You can earn maximum of 4,000 rewards points in a year.
- Every month 1+1 free movie tickets on BookMyShow every Wednesday
- Value back of 5% on groceries purchases every Wednesday
- Pizza Mania – Every Wednesday, order a pizza from Domino’s/Pizza Hut online and get 10% value back.
Maximum of Rs. 200/- only on 1+1 movie tickets, ticket price difference above Rs. 200/- shall be bear by the 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 a better grasp of Rewards points, we will calculate the rewards summary by taking Rs. 10000/- spends per month on every category on the below table.
|Description||Monthly Spends||Rewards Points||Rewards Value|
Regular Expenses (One Rewards Points for every Rs. 100/- Spends
|Midweek Delights Spends on Wednesdays-Groceries||INR 100||20.00||3.60|
|Midweek Delights Spends on Wednesdays-Pizza||INR 100||40.00||7.20|
|Total Spends||INR 300||61.00||10.98|
Note: Previous month RBL Bank has reduced its Rewards Point Value from 0.25 to as low as 0.18 to 0.16. For the above rewards points calculation, I have taken shopping catalog redemption. Check the RBL Rewards Portal for more updates.
Pro Tips- 1: Use your RBL Bank Titanium Delight Credit Card on Wednesday only. The value of its rewards is desirable 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 Travelling’s rewards value. It’s still intact 0.25%.
How to redeem Rbl credit card reward points
RBL Bank have dedicated portal for rewards redemption, you can visit RBL Bank rewards portal here.
Best Alternative of RBL Bank Titanium Delight Credit Card
RBL Titanium Delight Credit Card is entry level credit, the best alternative if this credit would be IndusInd Bank Platinum Aura Credit Card . Both are credit card made for beginner. Here are the comparisons.
Titanium Delight Credit Card Vs Platinum Aura Credit Card
|Types||Titanium Delight Credit Card||Platinum Aura Credit Card|
|Reward Points||1 Rewards point value Rs.100 spends||0.50 saving points on Rs.100 spends|
|Milestone Benefits||4000 Rewards Points worth Rs.1000||None|
|Regular Rewards rate||0.25% to 0.16%||0.25% to 0.20%|
From the above comparisons, its is evident Titanium Delight Credit Card is better than Platinum Aura Credit Card .
RBL Bank Titanium Delight Credit Card is good for beginner level if the card uses wisely and then par with the industry’s premium level card. You can check Axis Bank ACE Credit Card, which is best in the entry-level segment.
Do you have RBL Bank Titanium Delight Credit, or planning to apply for one? Share your thought in the comments below. Or Do you have any questions to query in this regard than the question in the comment box, so that I can reply to your ?.
Rbl bank titanium delight credit card minimum limit ??
The credit limit is not very good, and the 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