The RBL Classic Shoppers Credit Card is designed to enhance the shopping experience with its wide array of features and benefits. With this card, you can enjoy exclusive offers, cashback deals, reward points, and more. Whether you’re shopping online or making purchases abroad, this credit card has the tools to make your transactions smoother and more rewarding. In this guide, we’ll explore the card’s features, fees, eligibility, and the simple steps to apply.
Key Features and Benefits of RBL Classic Shoppers Credit Card
1. Attractive Welcome Benefits
With the RBL Classic Shoppers Credit Card, cardholders can access a range of welcome benefits that make the card even more enticing:
- Flight and Movie Discounts: Enjoy special discounts on flights and movie tickets when you use the card for booking.
- Cashback on Shopping and Dining: Earn cashback on select shopping and dining purchases, making it easier to save while you spend.
- Discounts on Online Shopping: Avail of further discounts across various online shopping platforms.
- Add-on Cards: Add up to 5 supplementary cards for your family members, including your spouse, children (over 18), and parents.
2. Reward Points for Every Purchase
The card rewards you with 2 reward points for every ₹100 spent on both domestic and international purchases. These points can be accumulated and redeemed for a range of exciting offers or discounts, further enhancing your overall shopping experience.
3. Zero Fraud Liability
One of the most appealing security features is the Zero Fraud Liability. If the card is lost or stolen and reported immediately, the cardholder is not held liable for any fraudulent transactions made with the card.
4. Global Convenience
The RBL Classic Shoppers Credit Card offers seamless international access. It is accepted at MasterCard ATMs globally, providing convenience no matter where you are.
5. Convert Purchases into EMIs
Cardholders can convert large purchases into Easy EMIs, making it easier to manage big-ticket expenses without financial stress. This feature adds another layer of flexibility to the card.
Fees and Charges
Understanding the fees associated with the RBL Classic Shoppers Credit Card is essential to assess whether this card is a fit for your financial needs. Here’s a breakdown of the main charges:
| Type of Fee | Amount |
|---|---|
| Annual Fee | Up to ₹2,000 |
| Add-on Card Fee | Nil |
| Finance Charges (Interest Rate) | Up to 3.99% per month (47.88% per annum) |
| Late Payment Fee | 15% of the total amount due (min ₹50, max ₹1,250) |
These fees are fairly standard compared to other credit cards in the same category, but understanding them fully will help you manage the card effectively and avoid unnecessary charges.
Eligibility Criteria and Required Documents
To apply for the RBL Classic Shoppers Credit Card, applicants must meet the following eligibility criteria:
Eligibility Criteria:
- Age: Applicants must be 18 years or older.
- Residency: Open to all Indian residents and non-resident Indians.
Documents Required:
Applicants must submit various identity, address, and income verification documents as part of the application process. Below is a list of commonly required documents:
| Document Type | Accepted Documents |
|---|---|
| Proof of Identity | PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID, etc. |
| Proof of Address | Aadhaar Card, Passport, Driver’s License, Utility Bill, Property Registration Documents, etc. |
| Proof of Income | Latest salary slip, Form 16, last 3 months’ bank statement |
Ensuring you have all necessary documentation in order will help streamline the application process.
How to Apply for the RBL Classic Shoppers Credit Card
Applying for the RBL Classic Shoppers Credit Card is simple and straightforward. There are two main ways to apply:
1. Online Application
You can visit the official RBL Bank website, fill out the application form, and submit your documents digitally. This is the quickest way to apply for the card, and you can receive updates on your application status online.
2. In-Branch Application
Alternatively, you can visit the nearest RBL Bank branch, where bank officials will guide you through the application process. This method may be preferred by individuals who wish to have face-to-face interaction during the application.
Frequently Asked Questions (FAQs)
1. What are the primary benefits of the RBL Classic Shoppers Credit Card?
The key benefits include cashback on shopping and dining, discounts on flights and movie tickets, global acceptance at MasterCard ATMs, zero fraud liability, and the ability to convert purchases into EMIs.
2. How do I earn reward points with this card?
You earn 2 reward points for every ₹100 spent on both domestic and international transactions. These points can be redeemed for discounts, vouchers, or other rewards through the RBL Bank rewards program.
3. What happens if I lose my card?
If you lose your card, report it immediately to RBL Bank through their 24×7 customer service. With the card’s Zero Fraud Liability feature, you won’t be responsible for unauthorized transactions made after reporting the loss.
4. Can I get supplementary cards for my family?
Yes, the card allows for up to 5 add-on cards for family members, such as your spouse, children (above 18 years), and parents.
5. Are there any annual fees for the add-on cards?
No, there are no annual fees associated with add-on cards.