Credit Card
Benefits
 

Shopping Credit Cards


Essentia Platinum Credit Card Essentia Platinum Credit Card
Essentia Platinum Credit Card 3.5

Earn 10% Savings on Departmental & Grocery Store spends.

Spend Rs. 1,25,000 every 6 months and get 6 free PVR tickets OR 1200 Reward Points.

Annual Fee

1st Year Fee: ₹1499

2nd Year Fee: ₹749

Features

Earn 10% Savings on Departmental & Grocery Store spends.

Spend Rs. 1,25,000 every 6 months and get 6 free PVR tickets OR 1200 Reward Points.

Documents

KYC-PAN, Address proof and ID Proof.

One photograph.

Salary slip/Form 15

RBL Platinum Delight Credit Card RBL Platinum Delight Credit Card
RBL Platinum Delight Credit Card 4.5

Welcome Offer: Earn 2000 Reward points on 1st card swipe + pay joining fee before due date(except fuel).

Earn 2 reward points for every Rs.100 spent on all your purchases.

Earn 1000 bonus rewards on card swipe 5 times in a calender month for transaction worth Rs.1000.

Annual Fee

1st Year Fee: ₹1000

2nd Year Fee: ₹1000 (Reversed if spend in previous year crosses Rs.1.5 Lacs)

Earn 4000 Reward points on first transaction within 60 days.

Features

Welcome Offer: Earn 4000 Reward points on 1st card swipe + pay joining fee before due date(except fuel).

Earn 2 reward points for every Rs.100 spent on all your purchases.

Earn 4 Reward Points for every Rs.100 spent during the weekends.

Earn 1000 bonus rewards on card swipe 5 times in a calender month for transaction worth Rs.1000.

0% Fue Surcharge on transaction between Rs 500 - Rs 4000, Maximum waiver of Rs 150 per month.

Redeem reward points against air travel, hotel stays, shopping vouchers and much more.

Add on Card Free

Documents

For Salaried Person (Latest 2 months Payslip, Visiting card, Latest 3 salary credit statements) & Photograph & Adress Proof & ID Proof.

For Card to Card Apply Documents (Latest credit card statement with 30,000 limit abd avail limit of 20% with no late fees) & Photograph & Adress Proof & ID Proof.

Charges

APR up to 3.5% p.m. (42.00% p.a.)

APR up to 3.4% p.m. (40.80% p.a.) for Insignia and IGU NHS Golf Cardmembers

Cash Advance Transaction fee: 2.5% (min Rs. 300) of the cash amount.

Call-a-draft fee: 2.5% (min Rs. 300) of the draft amount.

Overdue Penalty / Late Payment Fee: 15% of Total amount due (Min Rs. 350, Max Rs. 1000).

Over Limit Penalty: Rs.600.

Table For reference
Savings Illustration:
Spends Category Savings on 1 Lac Savings on 2 Lac
Shopping 114 228
Fuel 114 228
Travel 228 456
Other Exp 178 355
Spend Rewards 634 1267
Purchase Reward Points 1500 3000
Welcome Points/Rewards 1000 1000
Fuel waiver 180 360
Aditional Incentives 2680 4360
Less Joining Fee 1000 1000
Net Savings 2314 4627
Disclaimer: Savings of 10% has been assumed on dining spends at partner outlets of bank
RBL Platinum Maxima Credit Card RBL Platinum Maxima Credit Card
RBL Platinum Maxima Credit Card 5

Welcome Offer: Earn 8000 Reward points on 1st card swipe + pay joining fee before due date.

Earn 2 reward points for every Rs.100 spent on all your purchases.

Earn extra 10000 bonus rewards on total spend Rs.2 lakhs or more in a year.

Annual Fee

1st Year Fee: ₹2000

2nd Year Fee: ₹2000

Welcome Offer: Earn 8000 Reward points on 1st card swipe + pay joining fee before due date.

Features

Welcome Offer: Earn 8000 Reward points on 1st card swipe + pay joining fee before due date.

Earn 2 reward points for every Rs.100 spent on all your purchases.

Earn 5X Rewards on dining, entertainment, utility bill payments,fuel and international purchases.

Earn extra 10000 bonus rewards on total spend Rs.2 lakhs or more in a year.

Buy 1 get 1 Free movie tickets on Bookmyshow once a month, Maximum Rs 200 discount on 1st ticket price.

Documents

For Salaried Person (Latest 2 months Payslip, Visiting card, Latest 3 salary credit statements) & Photograph & Adress Proof & ID Proof.

For Card to Card Apply Documents (Latest credit card statement with 30,000 limit abd avail limit of 20% with no late fees) & Photograph & Adress Proof & ID Proof.

Charges

APR up to 3.5% p.m. (42.00% p.a.)

APR up to 3.4% p.m. (40.80% p.a.) for Insignia and IGU NHS Golf Cardmembers

Cash Advance Transaction fee: 2.5% (min Rs. 300) of the cash amount.

Call-a-draft fee: 2.5% (min Rs. 300) of the draft amount.

Overdue Penalty / Late Payment Fee: 15% of Total amount due (Min Rs. 350, Max Rs. 1000).

Over Limit Penalty: Rs.600.

Table For reference
Savings Illustration:
Benefits & Description Monthly Spends Annual Reward Points
Welcome Benefit - 8000
Dining Spends Rs.6,000 7200
Entertainment Spends Rs.3,000 3,600
Utility Bills Rs.6,000 7,200
Fuel Spends Rs.6,000 7,200
International Spends - 15,000
Other Spends Rs.10,000 2,400
Spend Rs.2 lakhs in a year - 10,000
Spend Rs.3.5 lakhs in a year - 10,000
Total Reward Points Earned - 70,600
Disclaimer: Savings of 10% has been assumed on dining spends at partner outlets of bank

All About Credit Cards

Shopping Credit Cards

We all love to shop and there is no denying. But one can add some fun to their shopping experience when they own a Shopping Credit card. These are valid for both online and offline purchases. Not only do they spare you from the task of carrying cash with you all the time, but also offer you reward points on your transactions. The shopping card reward/cashback points can be later redeemed to shop more. Along with the normal discount and cashback offers, Shopping Credit Cards also offer you freedom from fuel surcharges. The more you shop with these Shopping credit cards, the more reward you receive. Various banks have come up with different shopping credit cards that promise high cashback percentage. Some of the best shopping credit cards are: Simply SAVE SBI Card, Simply Click SBI Card and STYLEUP Contactless Card.