Credit cards are quick and simple ways to meet short-term expenses without an existing line of credit. Numerous companies offer credit cards today, but each of these cards come with different features and benefits.
Some cards are targeted to self-employed individuals, while others are more suitable for salaried employees. If you are looking for the perfect credit card, you should check out the RBL credit cards on offer.
Types of RBL credit cards in the market
Bajaj Finserv, in association with RBL Bank, offers many variants of credit cards to cater to the whole gamut of prospective users. Here is a look at some of the best RBL credit cards on offer.
- RBL Platinum Maxima Card
If you are looking for the best reward points from your credit card, look no further than this card. The Platinum Maxima card offers up to 8000 points as a reward within your first 30 days of credit card use. Users can accumulate these points by simply paying with their card once during this period. Additionally, with each Rs. 100 expense on the card, you get 2 reward points. In case of utility bill payments through the card, you can earn 5 times the normal reward point.
The annual fee for this card is Rs. 2000 and the user must bear an additional Rs. 2,000 as the renewal fee from the 2nd year onwards.
- RBL Titanium Delight cards
The best RBL credit card for users who frequent movies and shopping, it offers up to 3,000 reward points within the first 60 days on spending over Rs. 10,000. If your annual expenses with the card exceeds Rs. 1 Lakh, you can even save the annual fee linked with the same.
- RBL Bank SuperCard
The Bajaj Finserv RBL Bank SuperCard is a one-stop solution for all your funding needs. The card offers up to Rs. 55000 in annual savings from discounts, cash back and reward points. The card also comes with free cash withdrawal facility for the first 50 days, where the NBFC does not levy any interest if you use the card to withdraw cash from ATMs.
Due to its robust benefits, it offers a smart way to shop online. Additionally, when you avail this card, you can access the Bajaj Finserv privileges across many stores and outlets in India.
There are several other cards on offer as well. You need to check which of these cards suit your needs. Here are some factors to consider while determining the best credit card.
- Spending habits
If you enjoy shopping and want to use the card to pay for such expenses, you will require a card which offers maximum benefits on the same. On the other hand, if you plan to use the RBL credit card to finance travel-related expenses, you would require a card which offers savings either as discounts/vouchers/cashbacks or reward points on travel ticket purchases and hotel bookings. Consider the primary reason to avail the credit card and then start looking for suitable products.
Some cards have higher annual and renewal fees than others do. Determine how much you are comfortable paying each year and pick a card accordingly. Keep in mind, cards with higher fees generally offer greater benefits.
- Credit limit
The credit limit on the card depends on your income and credit score. NBFCs offer higher credit to people with better income and credit rating. However, you should still compare the credit limit you are eligible to receive on the various cards available on the market. Some lenders may offer a greater limit, even to people with poor CIBIL scores.
Bajaj Finserv provides pre-approved offers to simplify the credit card availing process. These offers are available on credit cards, personal loans, business loans, home loans and other loan products. You can check your pre-approved offers today by providing your phone number and name.
Apply for a card today and keep an eye on your credit card status to know when the lender approves your request. Start using your card immediately after issuance to acquire the best reward point benefits.