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Various Benefits of Having a RBL Credit Card

Individuals looking for credit cards in India enjoy a varied range of options to choose from. However, it is vital to match your financial requirements with the features offered by the card. You can consider the RBL credit card if you are looking for a card which can offer you an extensive range of features and benefits.

Here are some advantages of availing such a credit card.

  • Cash withdrawal with no interest

Users avoid withdrawing cash from ATMs using their credit cards, due to the hefty interests levied by the card providers on such ATM withdrawals. However, RBL credit cards offer an interest-free cash withdrawal period of 50 days for every such withdrawal. Within this period, users can withdraw cash using the card without incurring additional charges on the transaction.

  • Funding for emergencies

Credit cards on offer from RBL provide users with the opportunity to avail loans to deal with emergency expenses. With this card, you can convert your credit limit into an interest-free personal loan for up to 90 days. Additionally, if repaying the full loan money at once becomes an issue, you can break it into easy EMIs.

  • Safe and secure

Most credit cards today offer security, but none more so than RBL credit cards. Apart from the normal encryption, pin and password systems, this card offers a fraud liability cover that protects the user from liabilities in the case of cybercrime-related frauds with the said card. Moreover, with the RBL MyCard app, you can control the usage of your credit card from your smart devices.

  • Reward points

Some RBL cards, such as the Bajaj Finserv RBL Bank SuperCard, allow users to earn as much as 20,000 redeemable points as a welcome gift. Once redeemed, these points turn into great discounts and savings.

While some cards are more suitable for online shoppers, others offer great discounts on travel-related expenses, making them the ideal travel partner for you and your family.

  • Instant approval

Applicants with a high credit score of around or above 750 and a substantial repayment capability can opt for RBL credit cards with ease. An online application process helps quick approval of these cards.

However, you must check the credit card eligibility factors before submitting your application. If you fail to meet one or more of these requirements, availing a credit card from RBL can become challenging.

RBL credit card eligibility criteria

Here are some requirements you must meet to avail one of these cards –

  • Credit score – A credit score over 750 can help applicants avail the best terms on their financial tools and products. If your score is low, repay all outstanding debt on time, including loan EMIs and bills of other credit cards.
  • Income – A decent monthly income is necessary to avail credit cards from RBL. While the exact monthly income requirement varies between the various cards, try to boost your earnings before opting for a card.
  • Age – A person between 25 and 65 years of age can easily avail an RBL SuperCard. However, the age restriction varies based on whether the applicant is a salaried or self-employed individual.

The Bajaj Finserv RBL Bank SuperCard is one of the most feature-rich credit cards available in the Indian market offering numerous industry-first benefits in a single card.

Bajaj Finserv also brings you pre-approved offers to make availing credit cards simpler and faster. These offers are available on credit cards, as well as on unsecured credits like business loans and personal loans, secured credits such as home loans, etc. You can check your pre-approved offer by simply providing your name and phone number.

Read More: Difference Between CIBIL Score And CIBIL Report

Whether you select an RBL card or any other credit card, you must compare and understand the features offered. Pick the one that best suits your financial needs and spending habits.

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