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3.9/5 Editorial Score

RBL Platinum Delight Credit Card

Weekend Lifestyle & Everyday Shopping Card with 2X Reward Accelerators

Best Suited For

Salaried young professionals and weekend shoppers looking for accelerated reward points on dining and shopping plus fuel surcharge waivers.

Shopping

Joining Fee

₹1,000

One-time upfront

Annual Fee

₹1,000

Waived on ₹1.5 lakh annual spend

Base Rewards

2 Reward Points per Rs 100 on weekday retail spends (0.5% value back)

On eligible spends

Forex Markup

3.50% + GST

Cross-currency spends

Apply Now Compare Card Official Terms

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

3.9/5 Editorial Score

The RBL Platinum Delight Credit Card is crafted to reward the weekend spending patterns of urban professionals and retail shoppers. Priced at an annual fee of ₹1,000 plus GST, it welcomes new cardholders with 1,000 bonus reward points upon the first retail swipe within 30 days. The card's standout feature is its Weekend Multiplier: while regular weekday retail transactions earn 2 reward points per ₹100, weekend spending (Saturday and Sunday) earns double rewards at 4 points per ₹100. This makes it an ideal companion for weekend grocery runs, dining out with family, and apparel shopping. The annual fee is waived upon spending ₹1,50,000 in a year, and cardholders receive a 1% fuel surcharge waiver up to ₹150 monthly. While it lacks complimentary airport lounge access, it functions effectively as a dependable lifestyle driver for disciplined weekend shoppers.

Ideal For:Salaried young professionals and weekend shoppers looking for accelerated reward points on dining and shopping plus fuel surcharge waivers.

Shopping

Card Strengths

2X Weekend Rewards: Earn 4 reward points per ₹100 spent on all retail purchases on Saturdays and Sundays.
1,000 Welcome Points: Receive 1,000 bonus reward points on your first swipe made within 30 days of card issuance.
Accessible Spend Waiver: Annual renewal fee of ₹1,000 waived upon spending ₹1,50,000 or more in the preceding year.
Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all fuel pumps.
Easy Reward Redemption: Redeem points directly on rblrewards.com for shopping vouchers, merchandise, and air tickets.

Things to Keep in Mind

No Airport Lounge Access: Does not provide complimentary domestic or international airport lounge visits.
High Interest Rate: High revolving finance charge of 3.99% per month (47.88% APR) on rolling balances.
Standard 3.5% Forex: Carries a 3.50% foreign exchange markup on cross-border transactions.
Category Exclusions: Wallet reloads, utility payments, and rental payments are excluded from reward accruals.

Additional Cardholder Privileges

Rewards

2 Reward Points on every Rs. 100 spent on weekdays and 4 Reward Points on every Rs. 100 spent on weekends.

Welcome

Welcome Benefit 1

4,000 Reward Points

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: RBL Platinum Delight Rewards
Reward Currency: Reward Points
Base Earn Rate: 2 Reward Points per Rs 100 on weekday retail spends (0.5% value back)
Point Value (INR): ₹0.2500 per point
Redemption Channels: Redeem for popular merchant gift cards or merchandise on RBL Rewards.
Reward Point Expiry: Reward points valid for 2 years from date of accrual.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Weekend Retail Spends	4 Reward Points per Rs 100 on all Saturday and Sunday retail spends (1% value back)	1,000 Reward Points/mo	Standard terms apply
Weekday Retail Spends	2 Reward Points per Rs 100 on weekday retail transactions (0.5% value back)	No Cap	Standard terms apply

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Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

Open Rewards Calculator

Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Weekend Retail Spends1.00%

Cap: ₹1,000/monthly

₹

Weekday Retail Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Weekend Retail Spends	₹6,000	4 Reward Points per Rs 100 on all Saturday and Sunday retail spends (1% value back)	—	₹1,000/monthly	Calculating...	Under cap
Weekday Retail Spends	₹6,000	2 Reward Points per Rs 100 on weekday retail transactions (0.5% value back)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

-₹1,000

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹1000 annual fee.

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Milestone Spend Progression

Bonus vouchers and annual fee waiver milestones unlocked as your total spend increases

Tier 1 Target

₹10,000per month

Worth ₹250

Monthly Spend Milestone

Earn 1,000 bonus Reward Points (worth Rs 250) on spending Rs 10,000 or more in a calendar month.

Tier 2 Target

₹1.5 lakhper year

Worth ₹1,000

Annual Fee Waiver

Spend Rs 1,50,000 in previous year to waive the Rs 1,000 annual renewal fee.

*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): ₹1,000
Annual / Renewal Fee (2nd Year Onwards): ₹1,000
Annual Spend Fee Waiver: Waived on ₹1.5 lakh annual spend
Fee Terms Notes: Joining fee Rs 1,000 + GST; annual fee Rs 1,000 + GST waived on spending Rs 1,50,000 in preceding year.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): 3.99% per month
Annualized Interest Rate (APR): 47.88% p.a.
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Eligibility: Salaried or self-employed Indian residents aged 21 to 65 years with good credit history. • Joining & Annual Fee: ₹1,000 + GST; annual renewal fee waived on annual retail spends of ₹1,50,000. • Welcome Benefit: 1,000 bonus reward points credited upon making the first transaction within 30 days of card issuance. • Weekend Rewards: 2X reward points (4 points per ₹100 spent) on all eligible retail spends on Saturdays and Sundays. • Weekday Rewards: 2 reward points per ₹100 spent on eligible retail purchases from Monday to Friday. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (maximum waiver ₹150 per month). • Exclusions: Fuel, utility, wallet loads, cash advances, and rental payments do not earn reward points. • Finance Charges: Revolving credit interest rate of 3.99% per month (47.88% APR) on unpaid dues.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹1,000 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding RBL Platinum Delight Credit Card application, fees, reward redemption, and eligibility

How do the weekend reward points work on the RBL Platinum Delight Card?

Cardholders earn double rewards—4 reward points per ₹100 spent—on all eligible retail purchases made on Saturdays and Sundays, compared to 2 points per ₹100 on weekdays.

How can I get the ₹1,000 annual fee waived?

The annual renewal fee of ₹1,000 + GST is completely waived if your total retail spending on the card reaches ₹1,50,000 or more in the preceding card year.

What is the welcome gift on the RBL Platinum Delight Credit Card?

You receive 1,000 bonus reward points upon completing your first retail transaction within 30 days of receiving your card.

Does the RBL Platinum Delight Credit Card offer airport lounge access?

No, the Platinum Delight card does not include complimentary airport lounge visits. If lounge access is a priority, consider cards like RBL World Safari or IDFC FIRST Select.

What is the joining and annual renewal fee for RBL Platinum Delight Credit Card?

The joining fee for RBL Platinum Delight Credit Card is ₹1,000 (one-time), and the annual renewal fee is ₹1,000 from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on RBL Platinum Delight Credit Card be waived?

Yes, the annual renewal fee of ₹1,000 is waived upon achieving annual spends of ₹1.5 lakh in the preceding card anniversary year.

What are the primary rewards and cashback earn rates on RBL Platinum Delight Credit Card?

RBL Platinum Delight Credit Card offers 2 Reward Points per Rs 100 on weekday retail spends (0.5% value back). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does RBL Platinum Delight Credit Card offer complimentary airport lounge access?

No, RBL Platinum Delight Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.