The RBL Bank Practo Plus Credit Card is a unique credit card designed for those who value both healthcare benefits and financial convenience. Issued in collaboration between RBL Bank and Practo, an online healthcare platform, this card provides an array of medical services and exclusive rewards. Ideal for individuals seeking seamless access to healthcare services, the RBL Bank Practo Plus Credit Card stands out in its segment by offering exclusive health benefits such as free consultations, HealthCash rewards, and health checkups, along with everyday credit card perks.
Features & Benefits of RBL Bank Practo Plus Credit Card
24/7 Doctor Consultation
With the RBL Bank Practo Plus Credit Card, you can access 24/7 doctor consultations for yourself and your family members. This service is available at any time, ensuring medical advice is just a click away. Importantly, Practo ensures that your consultations are private—only the patient and the doctor can access these records, maintaining strict confidentiality.
Free Full-Body Health Checkup
As part of the welcome package, cardholders receive a free full-body health checkup upon signing up. This comprehensive health check-up includes tests for critical health markers such as:
- Thyroid Profile
- Vitamin Levels
- Iron Deficiency
- Blood Glucose Levels (Diabetes)
- Blood Count
The results of these tests are shared with a qualified doctor, providing insights and further recommendations, if necessary. This initial health screening is a valuable offering, adding to the card’s worth.
Earn HealthCash on Daily Spends
With every Rs. 100 spent using the card, you earn 1 HealthCash. This innovative feature allows you to accumulate points which can be redeemed for various medical services via Practo. Each 1 HealthCash equals Re. 1, which can be used for doctor consultations, purchasing medicines, or booking health checkups on the Practo platform.
Complimentary Lounge Access
Enjoy two domestic lounge accesses per quarter at major airports across India. This benefit adds a layer of luxury to your travel, enabling you to relax in comfort while waiting for your flights.
Welcome Benefits
Upon activating your card, you will receive a host of welcome benefits, including:
- Home Sample Collection for health tests
- E-Reports Delivered within 24 hours
- Free consultations to discuss test results with doctors
- Testing for a variety of profiles: Thyroid, Diabetes, Iron Deficiency, Vitamin Levels, and more
These welcome benefits ensure you start your health journey with the card on the right foot.
Health Focused Yet Rewarding
The RBL Bank Practo Plus Credit Card is designed primarily for individuals seeking healthcare benefits but also provides the following advantages:
- Home Sample Pickups for tests, making it easy to get lab work done from the comfort of your home
- Priority E-Reports, ensuring you receive results within 24 hours, reducing the waiting time associated with diagnostics
Fees & Charges for RBL Bank Practo Plus Credit Card
When considering the RBL Bank Practo Plus Credit Card, it’s essential to understand the fees and charges that come with it. Below is a detailed breakdown:
| Category | Amount |
|---|---|
| Annual Fees | Rs. 2,000 |
| Card Replacement Fee | Nil |
| Add-on Card Fee | Nil |
| Foreign Currency Mark-up | 3.50% of the transaction amount |
| Overlimit Penalty | Rs. 600 |
| Late Payment Fee | 15% of the due amount (Min Rs. 50, Max Rs. 1,000) |
| Finance Charges | 3.5% per month (42% per annum) |
| Goods and Services Tax (GST) | 18% of the applicable charges |
The annual fee of Rs. 2,000 is relatively moderate considering the extensive healthcare benefits. There are no charges for card replacement or for add-on cards, making it easy for family members to also benefit from the card’s features. However, like most credit cards, the foreign currency mark-up fee stands at 3.5%, which is something to consider for international transactions.
Eligibility Criteria for RBL Bank Practo Plus Credit Card
To qualify for the RBL Bank Practo Plus Credit Card, applicants must meet the following eligibility requirements:
- Indian Citizenship: The card is available only to Indian residents.
- Minimum Age Requirement: Applicants must be 18 years or older.
- Document Verification: Applicants will need to submit valid documents for identity proof, income proof, and address proof during the application process.
Typical documents accepted include:
- PAN Card or Aadhaar Card for identity proof
- Salary Slips or Income Tax Returns for income proof
- Utility Bills or Lease Agreement for proof of permanent address
How to Apply for RBL Bank Practo Plus Credit Card
Applying for the RBL Bank Practo Plus Credit Card is straightforward. Follow these steps:
- Visit the RBL Bank Website: Navigate to the section for Credit Cards and select the RBL Bank Practo Plus Credit Card.
- Fill Out Basic Information: You’ll be required to provide personal details like your name, contact information, and income.
- Schedule Document Collection: Once the initial form is submitted, an RBL Bank representative will contact you to schedule a time for document collection at a convenient date, time, and location.
- Document Verification: After the collection, your documents will undergo verification. Once successfully verified, your card will be processed and dispatched to you.
By following this hassle-free process, you’ll soon have access to the RBL Bank Practo Plus Credit Card and all the healthcare-related perks that come with it.
Why Choose RBL Bank Practo Plus Credit Card?
The RBL Bank Practo Plus Credit Card stands out for its strong focus on healthcare. It’s ideal for individuals and families who place a premium on health and well-being. Unlike conventional credit cards that may focus on rewards for travel or dining, this card ensures you earn rewards that can be directly applied to healthcare services.
This card is a perfect fit if you:
- Need 24/7 medical consultation access for yourself and your family
- Want to earn rewards that contribute to maintaining your health
- Prefer the convenience of home medical services, such as home sample pickups and rapid e-reports
- Travel frequently within India and would like complimentary airport lounge access
Who May Not Benefit from RBL Bank Practo Plus Credit Card
While the RBL Bank Practo Plus Credit Card is an excellent choice for those focused on health, it may not be suitable for everyone. It’s not the best option for:
- Individuals seeking a low annual fee card
- Customers who prioritize cashback or travel miles over healthcare rewards
- Frequent international travelers who may find the foreign currency mark-up fees relatively high