RBL Bank Titanium Delight Credit Card Review - Features, Benefits, Fee, Offers, Rewards

In today’s world of cashless and digital payments, credit card has become much more than just another banking product as it enables you to earn rewards, avail lifestyle benefits, and access exclusive privileges. There are manifold credit cards available in the Indian market and the RBL Bank Titanium Delight Credit Card is one of the best options for those looking for an all rounder credit card with extensive features. Whether you’re a shopaholic, foodie, or travel junkie, this credit card is for you.

This article does a detailed review of the RBL Bank Titanium Delight Credit Card, discussing it's key features, benefits, fees, eligibility, as well as, comparing it to other popular credit cards in the market. By the time we’re done, you’ll have all the info you need to determine whether this credit card fits your financial style.

Summary of the RBL Bank Titanium Delight Credit Card

The RBL Bank Titanium Delight Credit Card is ideal for people, who are searching for a card which is providing incredible rewards, lifestyle benefits, and pricing. The card is offered by RBL Bank which is a private sector bank in India and known for its varied range of financial offerings.

This card is best for those who spend a lot of money on food, items from stores or simply want to take advantage of spending with a competitive rewards system. In the form of daily spends, travel, dining and even fuel, the RBL Titanium Delight Credit Card delivers a range of benefits that can enrich the lifestyle of its users.

Features of RBL Titanium Delight Credit Card

Let’s have a quick look at few of the key highlights of the RBL Bank Titanium Delight Credit Card before we discuss further about the benefits.

Joining Fee and Renewal Fee

Joining Fee: ₹750 + GST
Renewal Fee: ₹750 + GST (waived if the cardholder spends ₹1,50,000 or more in a year)

The joining and renewal fee for this card is very reasonable vs other premium cards in the space, so, if you are someone looking for a bit of balance on high returns and low expenses, you should make a dash for this card at the moment.

Reward Points System

1 Reward Point for every ₹ 100 on retail expenditures (online and offline)
20 Reward Points per ₹100 on grocery shopping done on Wednesdays
20 Reward Points on online Pizza orders at Domino’s and Pizza Hut on Wednesdays on every 100 spent

With reward points, you'll accumulate points on shopping you do every day. And the gets even better with Wednesday’s special prices on groceries and pizzas!

Fuel Surcharge Waiver

Waiver of 1% Fuel Surcharge on fuel transactions between ₹500 to ₹4,000. (Maximum waiver of ₹100 per statement cycle)

It is really good for people who use their credit card multiple times for petrol purchases as these debit card have a feature of fuel surcharge waiver. This means you can save money on recurring costs.

Movie and Dining Benefits

You get one Buy 1 get 1 free movie ticket or ₹200 off, whichever is lesser, on each transaction.

Dining Deals: Avail discounts and cashbacks at restaurants.

Even if you are the type who loves going out to eat and catch a film, these benefits can further enrich your experience and help you save on entertainment.

Annual Fee Waiver

Annual Fee Waiver: Spend over ₹1,50,000 in the previous year and get your renewal fee of ₹750 + GST waived.

This benefit means you can utilize the card benefits without paying any annual fees (if you meet the spend target).

Advantages of the RBL Titanium Delight Credit Card

Having said that, let’s get into the details about the RBL Bank Titanium Delight Credit Card benefits. These perks make this card a great option for people seeking to earn rewards and take advantage of lifestyle perks.

Reward Points System

Here is why you should choose the RBL Titanium Delight Credit Card Reward Points Earned on the Card The primary reason for choosing the RBL Titanium Delight Credit Card happens to be its reward points structure. The card gives you 1 Reward Point on every ₹100 Retail Spends which is a decent offer for most spends. But what makes Novo even more rewarding is its bonus points for categories:

20 Reward Points per ₹100 spent on grocery on Wednesdays Grocery is something everyone spends on and earning 20 reward points for each ₹100 spent is a good way to accumulate points which can be redeemed for goodies in future.

20 Reward Points per ₹100 on pizza orders, such as from Domino’s and Pizza Hut on Wednesdays: This deal makes your mid-week meals more interesting. You earn for eating pizza from your favorite brands.

The points earned can be redeemed for various rewards such as flights, hotel stays and gift certificates.

Fuel Surcharge Waiver

Fuel spent can accumulate soon, but the 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹4,000 is a great value-add. The cap, however, at ₹100 a month is too low for the many who hit the road frequently to be able to benefit much.

Movie and Dining Benefits

With the RBL Titanium Delight Credit Card, you can avail the benefit of Buy 1, Get 1 Free movie ticket or a discount of ₹200 for tickets every month with BookMyShow. Cinemas Get the chance to be a movie fan from the comfort of your home, or if you are out on the go.

Moreover, the card provides discounts and cashback at some dining establishments, so it is a great option for hard-core foodies always on the go. That extra value adds up to provide one more layer of value when you stack the card’s rewards program on top.

Annual Fee Waiver

The option to get your annual fee waived after spending ₹1,50,000 in a year is a nice feature. This can be particularly helpful for users who are heavy spenders and looking to maximize credit card rewards without having to stress over annual fees.

Fees and Charges

It may sound good, but what are the costs of this credit card? A breakdown of the most important fees:

Joining Fee: ₹750 + GST
Renewal Fee: ₹750 + GST (waived off on spends of ₹1,50,000 in a year)
Reward Redemption Fee: ₹99 + GST (per redemption)
Cash Advance Fee: 2.5% of cash on withdrawal, subject to a minimum of ₹300
Finance Charges: 3.49% per month (effective APR = 41.88%)
Late Payment Fee: ₹100 to ₹1,300 (based on the outstanding balance)
Foreign Exchange Transaction Fee: 3.5% of the transaction value

The fees are fairly standard for a credit card that provides many perks, but payments should not be late as the late payment fees and interest are high.

Eligibility Criteria

Eligibility for RBL Titanium Delight Credit Card

The following are the common set of eligibility for this credit card:

Age: 21 to 60 years

Employment:
Salaried employees earning at least ₹25,000 per month
Self-employed persons who earn at least ₹4,50,000 annually.

Credit Score: It is mandatory to have a good credit score (750+) in order to be eligible for this credit card.

Comparison of RBL Titanium Delight Card with Other Credit Cards

Though the rewards collection is not as great as in few of the similar other credit cards, the rbl titanium delight credit card fees are not only much lower but it is also minimal and more affordable when it comes to renewal. Most premium cards cost more, and this is a great value.

For instance cards such as HDFC MoneyBack Credit Card or ICICI Platinum Chip Credit Card provide cashback and rewards on specific spends, however the RBL Titanium Delight Credit Card offers more returns in the form of grocery rewards, movie offers and surcharge on fuel. Additionally, it’s currently offering to waive the annual fee on a low spend threshold, which could appeal to people who like their cards to be low cost (just not necessarily low fee).

Conclusion

The RBL Bank Titanium Delight Credit Card is a good option for people looking to earn rewards on their spending and get some fabulous lifestyle and dining benefits. It has the features to compete with any card, the fees that will keep you from pauperdom and a rewards program tailored for every kind of shopper trying to get the most out of what they buy.

If you’re someone who does at least some shopping, dining out and occasional movie-watching, this credit card might be good for you to add to your wallet. Put the gas bonus reward points along with the savings from fuel surcharge waiver and annual fee waiver, the RBL Titanium Delight Credit Card makes a great deal.