Top RBL Bank Credit Cards Hacks: 5 Secrets to Saving Money and Getting Perks

Earlier known as Ratnakar Bank, RBL Bank is one of the foremost private sector banks in India. The bank was founded in 1943, and in the 80 years since, it has expanded significantly to serve different segments of customers. Today, the bank provides services across six verticals, including commercial banking, corporate and institutional banking and branch and business banking.

The bank also offers a wide range of retail banking products and services, including different types of credit cards. If you are planning to apply for RBL Bank Credit Cards, you can do so online in a hassle-free manner. Once you receive your credit card from RBL Bank, you can use it to make payments and purchases up to the RBL Bank Credit Card limit.

That said, you may want to learn about the different ways in which you can use its features to save more and maximize your rewards. Check out some effective hacks to use your RBL Bank Credit Card smartly and save money in the process.

How to Save Money and Maximise the Perks on Your RBL Bank Credit Card?

Each credit card from RBL Bank comes with several benefits and features that you can use to your advantage. Before you apply for RBL Bank Credit Cards, you may want to know more about how you can make the most of the perks and rewards that the cards offer. The following tips can help.

1. Utilise Welcome Bonuses Well

When you apply for an RBL Bank Credit Card and activate your card, you may receive a welcome bonus. This bonus may be in the form of additional reward points, which will be credited to your account if you meet specified spending limits.

For instance, the Bajaj Finserv RBL Bank Platinum Plus SuperCard gives you 4,000 reward points as a welcome gift if you spend ₹2,000 within 30 days of the card issuance. By utilizing these welcome bonuses well, you can earn additional reward points and maximize the perks from your RBL Bank Credit Card.

2. Take Advantage of Spend-Based Fee Reversals

To continue making payments and purchases up to your RBL Bank Credit Card limit, you need to renew your card each year. This is done by paying the annual fee or renewal fee. However, on several credit cards from RBL Bank, this fee is waived if your spending during the previous year meets a specified limit.

For example, the annual fee of ₹499 (plus GST) on the Bajaj Finserv RBL Bank Platinum Choice SuperCard is waived if you spend ₹50,000 or more in the previous year. Similarly, the annual fee of ₹999 (plus GST) on the Bajaj Finserv RBL Bank Platinum Plus SuperCard is waived on annual spending of at least ₹1,00,000.

3. Redeem Your Reward Points

Earning reward points on your RBL Bank Credit Card is only one-half of the big picture. To truly experience the benefits of these reward points, you need to redeem them in a timely manner before they expire.

You can redeem your RBL Bank Credit Card reward points on different categories like shopping for electronic products, home decor, fashion and apparel and other beauty products. You can even use them for various travel-related expenses like ticket bookings. The reward points from some RBL Bank Credit Cards can also be used to make the down payment on EMI-based purchases at partner stores.

4. Make Use of Balance Transfer Offers

Another excellent way to save money using your RBL Bank Credit Card is to make use of the balance transfer facility. If your credit card offers this option, you can transfer the outstanding balances from other credit cards to your RBL Bank Credit Card at lower interest rates. You can even convert these outstanding balances into easy EMIs.

By availing of this feature, you can reduce the overall interest costs incurred. So, before you apply for an RBL Bank Credit Card, check if the card offers this facility. This way, you can optimize your benefits in the future, if the need arises.

5. Avail of Lifestyle Benefits, Rewards and Discounts

Lastly, you can make the most of your RBL Bank Credit Card’s features and benefits by taking advantage of the facilities it offers. Some credit cards from the bank offer benefits like fuel surcharge waiver, discounts on movie tickets and airport lounge access.

On other RBL Bank Credit Cards, you may also get dining privileges and discounts, complimentary hotel bookings and upgrades and grocery discounts. Make sure you understand all the benefits and rewards that your credit card offers, so you can use them to save more over time.


The tips and techniques outlined above can help you maximize your savings and rewards. So, before you apply for an RBL Bank Credit Card, ensure that you check out the features and benefits it offers. This will give you more clarity on which features you can use to save money in the long run.

It is also important to keep an eye on the RBL Bank Credit Card limit and ensure that your credit utilization ratio remains low (ideally below 30%).

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