RBL Bank
RBL Bank Play Credit Card
This is an invite only card
Apply and get ₹800 Rewards
Top Benefits
Welcome Offer: ₹500 BookMyShow Discount
on BookMyShow across movies, events, plays, streams, sports & activities
₹100 Off on Food & Beverages
on BookMyShow when you book movie tickets
Best For
Shopping
If you find yourself booking movie tickets every month, the RBL Bank Play Credit Card is built exactly ...
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If you find yourself booking movie tickets every month, the RBL Bank Play Credit Card is built exactly ...
If you find yourself booking movie tickets every month, the RBL Bank Play Credit Card is built exactly for your lifestyle. This co-branded offering focuses almost entirely on entertainment, delivering consistent discounts on BookMyShow ticket bookings and movie snacks. Instead of complicating things with complex reward point systems, this card gives you straightforward, direct value. By spending just Rs. 5,000 in a billing cycle on your everyday expenses, you get up to Rs. 500 off your next movie outing.
This card works great for young professionals, college students, and heavy moviegoers who want a targeted benefit without a high annual fee. With a basic joining fee of Rs. 500 that is offset by a welcome discount, it offers an effortless way to cut down your weekend entertainment costs. While it does not offer premium travel perks like lounge access, it beats many entry-level cards by giving you a highly achievable monthly spending target for guaranteed savings.
View FAQ
Commonly Asked Questions
Is the RBL Bank Play Credit Card lifetime free?
No, the card comes with an annual fee of Rs. 500. However, you can get this fee waived if you spend Rs. 1.5 lakh or more in the previous anniversary year.
Is this a good first card for building credit?
Yes, it is an excellent first card. With a low minimum income requirement of Rs. 25,000 per month and straightforward movie benefits, it is very accessible for beginners.
Who should apply for this card?
Frequent moviegoers who use BookMyShow regularly will get the most value. If you spend at least Rs. 5,000 a month on regular expenses, you will easily maximize the monthly movie ticket discount.
What makes this different from other entry-level cards?
Instead of offering a generic reward point system that takes years to accumulate, this card provides direct, instant BookMyShow discounts every month when you hit a very low spending target of Rs. 5,000.
Expert Review
The RBL Bank Play Credit Card is one of the most honest entry-level cards on the market. Instead of throwing around a confusing reward point structure that requires you to spend lakhs of rupees just to buy a toaster from a catalogue, this card gives you immediate value. Earning a Rs. 500 BookMyShow discount just by spending Rs. 5,000 in a month is phenomenal. That is a 10% return on spend, which is unheard of in basic credit cards. It turns mundane tasks like paying electricity bills or buying weekly groceries into free weekend movie dates.
However, the card does have its drawbacks. My biggest criticism is the steep 3.75% monthly interest rate. This is on the higher end of the spectrum, meaning if you fall into the trap of paying only the minimum due amount, your debt will spiral out of control incredibly fast. Furthermore, the complete lack of any travel benefits like airport lounge access or decent reward points on non-movie categories makes this card a one-trick pony.
I highly recommend this card if you are an avid moviegoer who can easily hit a Rs. 5,000 monthly spend and ALWAYS pays their bill in full. It is simple, effective, and delivers exactly what it promises. If you want travel perks or cashback on Amazon and Flipkart, look elsewhere.
Joining / Annual Fee
Joining Fees
₹590 ( ₹500 + GST )
Annual Fees
₹590 ( ₹500 + GST )
The fee structure of the RBL Bank Play Credit Card is highly transparent and very affordable. The card ...
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The fee structure of the RBL Bank Play Credit Card is highly transparent and very affordable. The card ...
The fee structure of the RBL Bank Play Credit Card is highly transparent and very affordable. The card comes with a one-time joining fee of Rs. 500, which is charged in your first billing statement. However, the bank immediately offsets this cost by giving you a Rs. 500 BookMyShow welcome discount once you make your first transaction within 30 days. This makes the first year practically free if you use the movie voucher.
From the second year onwards, an annual renewal fee of Rs. 500 is applied. You can easily get this annual fee waived if your total spending on the card reaches Rs. 1.5 Lakh in the preceding anniversary year. To put that in perspective, spending Rs. 1.5 Lakh a year means you only need to spend Rs. 12,500 per month. If you are using this card for your groceries, utility bills, and dining, hitting Rs. 12,500 a month is extremely achievable.
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The one-time joining fee is Rs. 500 plus applicable taxes. This is billed in your first statement.
Is there a welcome bonus to offset the joining fee?
Yes, the joining fee is fully offset by a welcome BookMyShow discount of up to Rs. 500 when you make your first transaction within 30 days.
What is the annual or renewal fee?
From the second year, you will be charged an annual renewal fee of Rs. 500 plus taxes.
Is there an annual fee waiver option?
Yes, the annual fee is waived if you spend Rs. 1.5 lakh or more on your card during the preceding anniversary year.
What is the spending requirement for the annual fee waiver?
You need to spend Rs. 1.5 lakh annually. For example, routing just Rs. 12,500 of your monthly household expenses through this card will help you easily hit the waiver target.
Do rent payments count towards the annual fee waiver target?
No, certain transactions like rent payments, fuel, and wallet reloads are excluded from the annual spend calculations for the fee waiver.
From when is the annual fee charged?
The annual fee is charged at the end of your 12-month membership cycle and applies to the upcoming year of card usage.
What happens if I spend only Rs. 1.4 lakh in a year?
If you fall short of the Rs. 1.5 lakh target, even by a small margin, the full Rs. 500 annual fee plus taxes will be charged to your account.
Is the fee waiver based on the calendar year or card anniversary year?
The spending threshold is calculated based on your card anniversary year, which is the 12-month period starting from the date your card was issued.
Are BookMyShow Superstar customers eligible for fee waivers?
Yes, customers with BookMyShow Superstar tagging receive an annual fee waiver subject to the platform's specific promotions and terms.
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
No
Existing Bank
Customer Allowed
Yes
Getting approved for the RBL Bank Play Credit Card is incredibly straightforward, making it an ideal ch...
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Getting approved for the RBL Bank Play Credit Card is incredibly straightforward, making it an ideal ch...
Getting approved for the RBL Bank Play Credit Card is incredibly straightforward, making it an ideal choice for young earners and first-time credit card applicants. The bank has kept the barriers to entry very low. Both salaried employees and self-employed individuals are welcome to apply.
The primary applicant must be between 21 and 65 years of age. The minimum income requirement is just Rs. 25,000 per month, which translates to a gross annual income of Rs. 3 Lakh. This means even entry-level professionals can easily qualify. To ensure a smooth approval process, the bank looks for a CRIF or CIBIL credit score of at least 720. Having a score of 720 or above shows the bank that you have a responsible track record with previous loans or basic credit products.
If you are a 23-year-old software trainee making Rs. 30,000 a month with no default history, you fit the perfect profile for this card and have a very high chance of instant approval.
View FAQ
Commonly Asked Questions
What is the minimum age to apply for this card?
The primary cardholder must be at least 21 years old at the time of application to be eligible for this credit card.
What is the maximum age limit for the primary cardholder?
The upper age limit for applying is 65 years. Applicants older than 65 will not be approved.
What is the minimum salary required for salaried applicants?
Salaried individuals need a minimum monthly income of Rs. 25,000 to qualify. If your in-hand salary is Rs. 28,000, you comfortably meet the criteria.
What is the minimum annual income for self-employed applicants?
Self-employed business owners and freelancers must show an annual income of at least Rs. 3 Lakh through their Income Tax Returns (ITR).
Can self-employed individuals apply for this card?
Yes, both salaried and self-employed professionals are eligible to apply, provided they meet the age and income thresholds.
What credit score (CRIF/CIBIL) is needed for approval?
A minimum credit score of 720 is required. Maintaining a score above this limit ensures a much faster and smoother approval process.
Will my application be rejected if my credit score is below 720?
While a score below 720 increases the chances of rejection, the bank may review profiles holistically based on income stability and existing relationship. However, it is best to apply only if your score meets the minimum requirement.
Can college students apply for this card?
If a college student is over 21, has a part-time job, and can prove a monthly income of Rs. 25,000 with a valid credit history, they can apply. Otherwise, a student card might be better.
Can I check my eligibility without affecting my credit score?
Yes, checking your initial eligibility on partner platforms or the bank's pre-qualification page uses a soft inquiry, which does not impact your credit score.
Do I need to have an existing RBL Bank account to apply?
No, having a savings account with RBL Bank is not mandatory. Anyone meeting the age, income, and credit score requirements can apply successfully.
All Card Benefits
- One-time up to ₹500 off on BookMyShow when first transaction is done within 30 days of issuance (valid for 60 days after first statement generation)
- Spend ₹5,000 in a billing cycle to unlock up to ₹500 off on BookMyShow each month (min. 2 tickets, single transaction; discount is lower of ₹500 or value of 2 tickets)
- Get up to ₹100 off per month on food & beverages on BookMyShow when booking movie tickets (min. 2 tickets required)
- Get 1% fuel surcharge waiver on fuel spends of ₹500–₹4,000, capped at ₹100 per month
- Spend ₹1.5 lakh in the preceding anniversary year to get the next year’s annual fee waived (certain categories excluded); Superstar customers may also get annual fee waiver as per BookMyShow tagging
Welcome Benefits
The RBL Bank Play Credit Card makes sure you get your money's worth right from the ...
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Welcome Benefits The RBL Bank Play Credit Card makes sure you get your money's worth right from the ...
Welcome Benefits
The RBL Bank Play Credit Card makes sure you get your money's worth right from the start. When you make your first transaction within 30 days of card issuance, you receive a one-time discount of up to Rs. 500 on BookMyShow. This essentially wipes out the cost of the Rs. 500 joining fee. You can use this discount across various categories on BookMyShow, whether it is for movies, plays, or stand-up comedy shows.
For example, if you pay the Rs. 500 joining fee and then buy a Rs. 150 coffee using your new card within the first week, you immediately qualify for a Rs. 500 BookMyShow discount. You can then use this discount to book two weekend movie tickets, completely recovering your initial joining fee.
Monthly Entertainment and Movie Benefits
This is where the card truly shines. Every billing cycle that you spend Rs. 5,000 or more, you get a BookMyShow discount of up to Rs. 500. You must book a minimum of 2 tickets in a single transaction to use this offer. The discount applied will be Rs. 500 or the total value of the two tickets, whichever is lower.
Let us look at a practical calculation. If you use this card to pay your Rs. 3,000 electricity bill and spend Rs. 2,000 on groceries in a month, you have hit the Rs. 5,000 target. You then go to BookMyShow and select two tickets worth Rs. 300 each (Total Rs. 600). The card gives you a flat Rs. 500 off, meaning you pay just Rs. 100 for two tickets. If you do this every month, you save Rs. 6,000 a year on movies alone.
Dining and Food & Beverage Benefits
The perks do not stop at the movie ticket. The RBL Bank Play Credit Card also helps you save on expensive cinema snacks. When you book your movie tickets on BookMyShow using this card, you can get up to Rs. 100 off per month on food and beverage combos purchased through the platform.
For example, you book two movie tickets using your monthly Rs. 500 discount. During the checkout process on BookMyShow, you add a popcorn and soda combo costing Rs. 350. The card automatically applies an additional Rs. 100 discount to the food, bringing the snack combo down to Rs. 250. This is a brilliant way to make the complete movie experience more affordable.
Fuel Surcharge Waiver
While the card is heavily focused on entertainment, it does offer a basic fuel surcharge waiver for daily commuters. You get a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 at any petrol pump in India. The maximum waiver you can get is capped at Rs. 100 per month.
Let us say you fill up petrol worth Rs. 2,000. Usually, a 1% surcharge of Rs. 20 is applied. With this card, that Rs. 20 is waived off. To hit the maximum cap of Rs. 100 in a month, you would need to spend Rs. 10,000 on fuel.
Reward Points Structure
Unlike traditional credit cards, the RBL Bank Play Credit Card does not offer standard reward points for your purchases. There is no reward conversion rate, and you do not accumulate points that sit in a bank catalogue waiting to be redeemed. Instead, this card operates purely on a direct benefit model.
Your goal is simply to reach the Rs. 5,000 monthly spend milestone. Once you do, the reward is an immediate BookMyShow discount voucher. This approach is highly beneficial for people who want to avoid complex math to figure out what their points are worth. You know exactly what you are getting: spend Rs. 5,000, get up to Rs. 500 off on two movie tickets. It is clean, straightforward, and highly predictable.
View FAQ
Commonly Asked Questions
How do I qualify for the welcome bonus?
You need to make your first transaction on the card within 30 days of it being issued to you. You also need to ensure the transaction is at least Rs. 100 to activate the card properly.
How long is the welcome discount valid?
The welcome BookMyShow discount is valid for 60 days after your first credit card statement is generated. Make sure to use it before it expires.
Can I use the welcome discount on just one ticket?
The welcome offer provides up to Rs. 500 off across BookMyShow categories. The voucher offers flexibility for your first booking across any category available on the platform.
Does a fuel purchase count as the first transaction for the welcome benefit?
Yes, making any valid retail transaction, including a small fuel purchase or grocery run, will trigger your welcome benefit as long as it is done within the first 30 days.
What happens if I make my first transaction on the 35th day?
If you fail to make a transaction within the first 30 days, you will forfeit the welcome benefit. Furthermore, the bank requires a minimum Rs. 100 spend in the first 30 days to keep your reward eligibility active.
Do I need to spend Rs. 5,000 specifically on movies to get the discount?
No, you can spend Rs. 5,000 on regular daily expenses like groceries, dining, and online shopping. Once your total monthly spend hits Rs. 5,000, you get the BookMyShow discount.
Can I book just one expensive ticket and get Rs. 500 off?
No, the bank terms explicitly state that you must book a minimum of 2 tickets in a single transaction to claim this discount.
What happens if the two tickets cost only Rs. 400 total?
The discount is either Rs. 500 or the value of the two tickets, whichever is lower. In this case, you will get a Rs. 400 discount, making the tickets completely free except for platform convenience fees.
Does rent payment count towards the Rs. 5,000 monthly target?
No, rent payments, fuel spends, and wallet reloads are excluded from earning rewards. They do not count toward your Rs. 5,000 monthly spending milestone.
How do I know if I have reached the Rs. 5,000 milestone?
You can easily track your monthly spends using the RBL Bank mobile application to see how close you are to getting your movie discount.
Can I use the Rs. 100 food discount without booking movie tickets?
No, the Rs. 100 discount on food and beverages is only applicable when you are booking movie tickets (minimum 2 tickets) on BookMyShow at the same time.
Is the Rs. 100 food discount available every time I book?
The food and beverage discount is capped at up to Rs. 100 per month. You can use it once during your monthly billing cycle.
Can I claim this discount at the cinema counter?
No, you must pre-book your food and beverages directly through the BookMyShow app or website while purchasing your tickets to apply the discount.
Does the F&B discount require a minimum spend milestone like the movie ticket offer?
The food discount is an add-on benefit when booking tickets. However, to get the free tickets in the first place, you need to meet the Rs. 5,000 monthly spend milestone.
What is the minimum fuel transaction required for the waiver?
You must spend at least Rs. 500 in a single transaction at the fuel pump to qualify for the 1% surcharge waiver.
Do I get the waiver if I fill up petrol worth Rs. 5,000?
No, the waiver only applies to individual fuel transactions up to Rs. 4,000. If your single transaction exceeds this amount, the standard surcharge will apply.
Do fuel spends help me reach my Rs. 5,000 movie milestone?
No, fuel spends are categorized as exclusions and do not count toward your Rs. 5,000 monthly target for the BookMyShow movie ticket discount.
Is this waiver valid at all petrol pumps?
Yes, the 1% fuel surcharge waiver is valid across all fuel stations in India, regardless of the brand (Indian Oil, Bharat Petroleum, HP, etc.).
How many reward points do I earn per Rs. 100 spent?
You do not earn any traditional reward points on this card. Instead of points, your spending tracks toward a Rs. 5,000 monthly milestone to earn direct movie discounts.
Is there a rewards catalogue where I can buy products?
No, because there are no reward points, there is no redemption catalogue. All your rewards are given as BookMyShow discounts.
Do I earn cashback on my grocery spends?
You do not earn direct statement cashback. However, spending on groceries helps you reach the Rs. 5,000 target, which gives you Rs. 500 off movie tickets. Effectively, that is a 10% return on your Rs. 5,000 spend.
What happens if I spend Rs. 20,000 in a month? Do I get 4 movie discounts?
No, the BookMyShow discount is limited to once per billing cycle. Spending Rs. 20,000 will still only get you a single discount of up to Rs. 500 for that month.
Which transactions are excluded from the Rs. 5,000 milestone calculation?
Spends on rent, fuel, insurance, EMI transactions, cash withdrawals, government services, wallet reloads, and quasi-cash do not count toward the target.
Do utility bill payments count towards the spending target?
Yes, standard utility bill payments like electricity, internet, and mobile recharges count toward your Rs. 5,000 monthly milestone.
Do I get rewards for paying my insurance premiums?
No, insurance premium payments are explicitly excluded from the reward program on this card and will not count toward your movie ticket target.
If I buy a refrigerator on EMI, does that count for the milestone?
No, EMI transactions are categorized under exclusions. The monthly installments will not help you reach the Rs. 5,000 spend requirement.
What happens if I return an item and get a refund?
All reversals and refunds are deducted from your total monthly spend. If a refund drops your net spend below Rs. 5,000, you will not get the movie discount for that cycle.
Do I get any bonus for spending Rs. 1.5 lakh in a year?
Spending Rs. 1.5 lakh in an anniversary year will waive your Rs. 500 annual fee for the next year, but it does not give you any bonus reward points.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
- BookMyShow ticket
- Food & Beverage discount on BookMyShow
To check redemption catalogue
N/A
Because the RBL Bank Play Credit Card does not issue traditional reward points, the redemption process ...
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Because the RBL Bank Play Credit Card does not issue traditional reward points, the redemption process ...
Because the RBL Bank Play Credit Card does not issue traditional reward points, the redemption process is refreshingly simple. You do not need to log into a complicated banking portal to browse a catalogue, and you do not need to worry about calculating the monetary value of obscure points. Everything happens directly on the BookMyShow platform.
Once your monthly statement cycle ends and the bank verifies that you have successfully spent Rs. 5,000 on eligible categories, the discount is automatically unlocked for your card. When you want to watch a movie, you simply open the BookMyShow app, select your two tickets, and proceed to the payment page. Under the "Offers & Discounts" section, you select the RBL Bank Play Credit Card offer and enter your card details. The system will instantly slash up to Rs. 500 from your total bill.
For example, you have hit your monthly milestone and want to book two tickets priced at Rs. 400 each (Total Rs. 800). You go to the payment page, apply the RBL Bank Play offer, and the price instantly drops by Rs. 500. You pay the remaining Rs. 300 using the credit card. It is an immediate, hassle-free reduction at the checkout stage.
View FAQ
Commonly Asked Questions
How do I redeem the movie discount I have earned?
Simply go to the BookMyShow app, select a minimum of 2 tickets, proceed to checkout, and apply the RBL Bank Play Credit Card offer in the discounts section.
Is the discount credited as cashback to my statement?
No, this is an instant discount applied at the time of checkout on BookMyShow. It does not appear as cashback on your credit card statement.
Do I need a special promo code to get the discount?
No promo code is needed. You just need to select the specific RBL Bank Play offer from the dropdown menu on the BookMyShow payment page.
How long does it take for the discount to unlock after I spend Rs. 5,000?
The benefit is unlocked for use in the subsequent billing cycle after you successfully cross the Rs. 5,000 spend threshold.
Is there a fee for redeeming my rewards?
No fee is charged when redeeming reward points on this card. The BookMyShow discount is completely free to apply.
Do my earned movie discounts expire?
Yes, the milestone movie discount must be used within that specific month or billing cycle as outlined in the bank's benefit terms. It does not roll over to the next month.
Can I transfer my movie discount to a friend?
You can use your card to book tickets for a friend through your BookMyShow account, but you cannot transfer the actual discount voucher to someone else's credit card.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Rent Payment
Fuel Spends
Insurance Payment
EMI Transactions
Cash Withdrawals
Government Related Transactions
Wallet Transactions
All Reversals
Quasi-Cash
For Spends Waiver
Rent Payment
Fuel Spends
Insurance Payment
EMI Transactions
Cash Withdrawals
Government Related Transactions
Wallet Transactions
All Reversals
Quasi-Cash
To maximize the benefits of the RBL Bank Play Credit Card, you must understand exactly which transactio...
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To maximize the benefits of the RBL Bank Play Credit Card, you must understand exactly which transactio...
To maximize the benefits of the RBL Bank Play Credit Card, you must understand exactly which transactions the bank ignores. The bank has a strict list of exclusions. Spending money in these categories will not count toward your Rs. 5,000 monthly milestone for the movie tickets, nor will they count toward the Rs. 1.5 lakh annual fee waiver target.
The excluded categories are Rent Payments, Fuel Spends, Insurance Payments, EMI Transactions, Cash Withdrawals, Government Related Transactions, Wallet Transactions, All Reversals, and Quasi-Cash. This means if you are planning to pay your house rent using this card to easily grab the free movie tickets, it will not work.
For example, if you spend Rs. 15,000 on rent, Rs. 2,000 on fuel, and Rs. 3,000 on groceries in a month, your total spend is Rs. 20,000. However, the bank will only count the Rs. 3,000 grocery spend toward your reward milestone. Because you fell short of the Rs. 5,000 eligible spend requirement, you will not get the movie discount that month.
View FAQ
Commonly Asked Questions
Which transactions do not earn rewards on this card?
Transactions for rent, fuel, insurance, EMIs, cash withdrawals, government services, wallet loads, reversals, and quasi-cash do not count toward your rewards milestone.
Does paying rent with this card help me reach the Rs. 5,000 target?
No, rent payments are strictly excluded. Furthermore, you will be charged a 1% convenience fee for processing rent on this card.
Are insurance premium payments excluded from rewards?
Yes, any payments made toward life, health, or vehicle insurance premiums will not be counted toward your monthly or annual spending targets.
Do wallet top-ups or gift card purchases count?
Loading money into digital wallets like Paytm or Amazon Pay is considered a wallet transaction and is excluded from earning milestone progress.
What happens if I accidentally make a payment in an excluded category?
The payment will process normally and be added to your bill, but it simply will not contribute to the Rs. 5,000 milestone needed for your free movie tickets.
Are education or school fee payments excluded?
Education payments processed through private school or university portals count toward your ₹5,000 milestone, though any payments made via government-affiliated educational portals are excluded from reward calculations.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees Finance charges of 3.99% per month (47.88% per annum) apply on unpaid outstanding balances until the amount is fully repaid | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. | 1.80% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees No cheque payment fee is charged | Not Appplicable |
Cash Payment Fees ₹250 cash payment fee per deposit | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| Min ₹5 | Min ₹5 |
| Max ₹1,300 | Max ₹1,300 |
Understanding the exact costs associated with your credit card is crucial before applying. The RBL Bank...
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Understanding the exact costs associated with your credit card is crucial before applying. The RBL Bank...
Understanding the exact costs associated with your credit card is crucial before applying. The RBL Bank Play Credit Card keeps its fee structure relatively standard for an entry-level card, but there are high penalty rates if you miss payments or withdraw cash.
Joining Fee: A one-time joining fee is charged at the time of card issuance. The fee is Rs. 500. This joining fee is offset through a Rs. 500 BookMyShow welcome discount if you transact within 30 days. For example, pay the Rs. 500 fee, buy a Rs. 100 item, and get Rs. 500 back in movie value.
Annual or Renewal Fee: The annual fee is charged every year and is waived when you meet the bank’s spending conditions. The fee is Rs. 500. The annual fee is waived if you spend Rs. 1.5 lakh or more in a year on your card. For example, averaging Rs. 12,500 per month in expenses completely eliminates this fee.
APR or Interest Rate: The card comes with a 3.75% monthly fee. Credit cards allow you an interest-free payment period of 20-55 days. However, if you fail to make payment for your statement in due time, the bank starts charging interest. A simple way to avoid heavy interest rates over a long time is to convert your large spends into EMIs. The bank charges 16% p.a interest on EMIs; however, if you fail to pay in time, the annual interest reaches up to 45%. For example, if you roll over a Rs. 10,000 balance, you will be charged roughly Rs. 375 in interest just for that month.
Late Payment Charges: If you miss your due date, penalties apply based on your outstanding balance. The slabs are: Rs. 0 for balances under Rs. 100; Rs. 100 for Rs. 100 to Rs. 500; Rs. 500 for Rs. 500 to Rs. 5,000; Rs. 600 for Rs. 5,000 to Rs. 10,000; Rs. 800 for Rs. 10,000 to Rs. 25,000; Rs. 1,000 for Rs. 25,000 to Rs. 50,000; and Rs. 1,200 for balances above Rs. 50,000. For example, if you forget to pay a Rs. 3,000 bill, you will be hit with a Rs. 500 late fee plus the 3.75% interest charge.
Foreign Transaction or Forex Markup Fee: A 3.5% forex markup is charged on transactions made in currencies other than INR. This applies to international POS payments and online purchases charged in foreign currency. For example, if you buy a USD 100 software subscription online (roughly Rs. 8,300), the bank will add a 3.5% fee, costing you an extra Rs. 290.
ATM Cash Withdrawal Fee: 2.5% of the withdrawn amount is charged on cash advances using the credit card, with a minimum fee of Rs. 500. For example, if you withdraw Rs. 10,000 from an ATM in an emergency, you will be charged a Rs. 500 fee immediately, and steep cash advance interest will start accruing from day one.
Rent Payment Convenience Fee: 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges. For example, if you pay Rs. 20,000 for house rent using this card, the bank will charge you an extra Rs. 200 fee, and you still will not earn any milestone rewards on it.
Railway Surcharge: A railway booking surcharge of 1.80% for online transactions and 2.50% for other bookings is applied, with additional bank charges and taxes recovered at actuals. For example, booking a Rs. 2,000 IRCTC train ticket online will incur an extra Rs. 36 surcharge.
Cash Payment Fee: Rs. 100 will be charged for all payments done via Cash. For example, if you walk into an RBL Bank branch and hand the teller cash to clear your credit card bill, they will add Rs. 100 to your next statement as a processing fee. Pay online via net banking to avoid this.
Cheque Payment Fee: No cheque payment fee is charged. If you drop a cheque in the drop box to pay your bill, there is no extra processing cost.
Reward Redemption Fee: No fee is charged when redeeming reward points on this card. Since the benefits are applied as direct BookMyShow discounts, you get the full Rs. 500 value without any hidden deduction fees.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 500 (Offset by Rs. 500 welcome discount) |
| Annual Fee | Rs. 500 (Waived on Rs. 1.5 Lakh annual spend) |
| Interest Rate (APR) | 3.75% per month (approx. 45% annually) |
| Late Payment Fee | Rs. 0 to Rs. 1,200 (Based on outstanding balance) |
| Forex Markup | 3.5% of transaction value |
| Cash Advance Fee | 2.5% (Minimum Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1.8% online / 2.5% offline |
| Cash Payment Fee | Rs. 100 |
| Cheque Payment Fee | N/A (Zero) |
| Redemption Fee | Not Applicable (Zero) |
View FAQ
Commonly Asked Questions
What are the joining fees for this card?
The card has a Rs. 500 joining fee. This is practically free since it is offset by a Rs. 500 BookMyShow welcome discount upon your first transaction.
What is the annual or renewal fee?
The card charges an annual fee of Rs. 500 from the second year onwards.
Is there an annual fee waiver based on spending?
Yes, the annual fee is waived if you spend Rs. 1.5 lakh or more in a year on your card.
How can I get this card lifetime free?
You can obtain the card as a lifetime free offering through corporate salary account tie-ups or by consistently meeting the ₹1.5 lakh annual spend waiver requirement.
What is the interest rate (APR) if I don't pay my full balance?
The card has a high interest rate of 3.75% per month, which calculates to roughly 45% annually if balances are left unpaid.
How is the interest calculated on outstanding balances?
If you do not pay your full statement balance by the due date, the 3.75% monthly interest is applied to your outstanding amount on a daily reducing basis until cleared.
What are the late payment charges?
Late fees range from Rs. 0 to Rs. 1,200 depending on your exact outstanding balance at the time of the missed deadline.
Is the late payment fee different based on outstanding amount?
Yes, an outstanding balance under Rs. 100 incurs no fee, a Rs. 4,000 balance incurs a Rs. 500 fee, and balances over Rs. 50,000 incur the maximum Rs. 1,200 fee.
What is the forex markup for international transactions?
A 3.5% forex markup is charged on transactions made in currencies other than INR. For example, spending Rs. 10,000 abroad will cost you Rs. 350 in fees.
Can I withdraw cash using my credit card?
Yes, but a high fee of 2.5% of the withdrawn amount is charged on cash advances, with a minimum flat charge of Rs. 500.
Are there fees for paying rent with this card?
Yes, 1% of the transaction amount is charged as a fee on all rent payments. A Rs. 10,000 rent payment will cost you a Rs. 100 fee.
Is there a fee for paying my bill in cash?
Yes, Rs. 100 will be charged for all payments done via Cash at an RBL branch.
What are the charges for cheque payment of bills?
No cheque payment fee is charged on this card.
Are there charges for railway ticket bookings?
Yes, a railway booking surcharge of 1.80% for online transactions and 2.50% for offline bookings is applied.
Is there a fee to redeem my reward points?
No fee is charged when redeeming reward points on this card. Your BookMyShow discount is completely free of redemption charges.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
Do I need a physical PAN card for the application?
Yes, you absolutely need your original physical PAN card for the Video KYC process. E-PANs or photocopies are rejected on the video call as per standard bank verification protocols.
Is Aadhaar mandatory for applying?
While Aadhaar makes e-KYC and address verification much faster, you can use other valid government documents like a Passport or Voter ID if needed.
How many months of bank statements do I need to submit?
Salaried applicants need to provide the last 3 months of bank statements showing regular salary credits.
Do I need to submit physical copies of my documents?
No, the entire process is digital. You simply upload PDFs or photos of your documents to the bank's secure application portal.
Can I use my rent agreement as address proof?
Yes, a valid registered rent agreement is widely accepted as current address proof by the bank.
What if my current address is different from my Aadhaar address?
If your current address differs, you will need to upload a secondary address proof (like a utility bill or rent agreement) verifying where you currently live.
Who Should Get This Card?
The Weekend Movie Buff: If your standard weekend plan involves heading to the local multiplex, this card is your best friend. Spending just Rs. 5,000 a month on daily needs secures up to Rs. 500 off your tickets and Rs. 100 off your popcorn.
The College Student or First-Time Earner: Because the income threshold is just Rs. 25,000 per month and the annual fee is a minimal Rs. 500, it is easy to manage without feeling financially strained.
Who should skip this card? If you prefer staying home and streaming Netflix, or if you are looking for a card that gives you free airline tickets and airport lounge access, skip this. The RBL Bank Play Card offers zero travel perks and has no benefits for OTT platforms.
Credit Limit and What to Expect
When you are approved for the RBL Bank Play Credit Card, the bank assigns a credit limit based on your income, existing debts, and overall credit score. Since this is an entry-level to mid-tier card, initial limits range between Rs. 40,000 and Rs. 1,00,000 depending on your profile. If you have a high salary and a flawless credit score, you will receive a higher limit.
View FAQ
Commonly Asked Questions
How is my initial credit limit decided?
The bank determines your limit based on your monthly income, your CRIF score of 720 or higher, and the limits on any other credit cards you currently hold.
Can I request a higher credit limit right after approval?
Banks require you to use the card responsibly for 6 to 12 months before considering a request to increase your credit limit.
Will spending up to my full limit affect my credit score?
Yes, maxing out your card increases your credit utilization ratio. Keep your usage below 30% of your total assigned limit to maintain a healthy score.
Can I spend more than my assigned credit limit?
Any transaction that pushes your balance above the assigned credit limit will be declined, or the bank will approve it while charging a standard over-limit penalty fee.
Is the cash withdrawal limit the same as my total credit limit?
No, the cash advance limit is a smaller percentage, ranging from 20% to 30% of your total credit limit. Check your welcome letter for the exact cash limit.
Will my limit increase automatically over time?
If you pay your bills in full and on time consistently, the bank will send you an automatic pre-approved limit enhancement offer after a year of usage.
How to Apply?
Applying for the RBL Bank Play Credit Card is a completely digital, paperless process that you can finish in a few minutes. You can initiate the application directly through the bank's official website or via verified financial platforms. You will need to fill in your basic details like name, phone number, PAN, and employment information. Once the system checks your eligibility, you will be directed to complete your Video KYC (Know Your Customer).
For a successful Video KYC, ensure you have your original physical PAN card handy. Sit in a well-lit room with a stable internet connection. The bank executive on the video call will take a photograph of you and your PAN card to verify your identity. Make sure you are physically present in India and within 50 kilometers of your registered residential address, as the system captures your location via GPS during the call.
View FAQ
Commonly Asked Questions
Can I apply for this card online?
Yes, the application process is 100% digital. You can apply through the bank's website without ever visiting a branch.
What is Video KYC and is it mandatory?
Video KYC is a fast way to verify your identity over a video call. It is mandatory for completing the online digital application process.
What do I need for a successful Video KYC call?
You will need your original physical PAN card, a blank paper with a pen for a signature test, good lighting, and a strong internet connection.
Are there geographic restrictions for Video KYC?
Yes, you must be present within a 50-kilometer radius of your declared residential address during the call so the GPS tracking can verify your location.
How long does the approval process take?
If your Video KYC is successful and your credit score is strong, approval happens within 3 to 5 business days. The physical card arrives within 7-10 working days.
How can I track my application status?
You will receive an Application Reference Number via SMS. You can enter this number on the bank's tracking portal to see the real-time status of your card application.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹800 Rewards
Top Benefits
Welcome Offer: ₹500 BookMyShow Discount
on BookMyShow across movies, events, plays, streams, sports & activities
₹100 Off on Food & Beverages
on BookMyShow when you book movie tickets
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