RBL Bank Titanium Delight Credit Card Review

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RBL Titanium Delight Credit Card

Want to get treated to a mid-week delight? The RBL Bank Titanium Delight Credit Card provides you offers such as accelerated reward point on grocery spends and pizza orders every Wednesdays. Additionally, you get Buy One Get One offer on a movie booked for a Wednesday once a month. You also get reward points on all your purchases, a good welcome bonus and 1% Fuel Surcharge Waiver at all petrol pumps.

FinTown Rating: 3/ 5

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Rating by Category: 

Annual Fee                                              3
Rewards Rate 3
Annual Bonus 3
APR 2.5

Despite a slightly high annual fee and a high interest rate, the rewards rate and annual bonus for this credit card are good enough. However, this credit card does not offer everything. So, let us take a glance at the pros and cons of this credit card to get a complete picture of the advantages and disadvantages of the RBL Titanium Delight Credit Card.

Pros & Cons:

Reasons to Choose  Reasons to Avoid  
Mid-week offers High interest rate
Annual Spend Bonus No golf privileges
Fuel Surcharge Waiver No airport lounge access

Rewards/Benefits: RBL Titanium Delight Credit Card

  • Welcome Benefits: Welcome bonus of 2,000 reward points; 1000 additional points on spends of INR 10,000 within the first 60 days
  • Annual Spend Bonus: Spend INR 1.2 Lakhs in a calendar year and get 4,000 bonus reward points
  • Rewards Programme: 1 reward point for every INR 100 spent on travel, groceries, dining and electricity bill
  • Mid-week delights: 
    • 1 + 1 movie ticket once a month on a Wednesday (maximum discount capped at INR 200)
    • Buy groceries on Wednesdays and get 20 reward points per INR 100 spent
    • 40 reward points per INR 100  spent on pizzas from Dominos/Pizza Hut
  • Fuel Surcharge Waiver: No Fuel Surcharge for fuel transactions of INR 400 to INR 5,000

Is the Rewards Rate good?

The rewards rate on Pizzas every Wednesday is the maximum. For every INR 100 spent, you would get 40 points i.e. 40*0.25 = INR 10. Therefore, the rewards rate is 10%. For all your grocery shopping on Wednesdays, rewards rate is 5%. For all other spends, the rewards rate is 0.25%.

Is this card for you?

This card is for you if:

  • You do not want a zero fee credit card
  • High interest rate does not bother you
  • You don’t mind watching movies on Wednesdays
  • Pizza is something that you love to eat
  • You want to save money on grocery

How to Redeem Rewards?

To redeem your reward points, you need to log in to the RBL Rewards page. After logging in, you can redeem your points for flights, hotels, lifestyle vouchers etc. However, you need to redeem at least 1,000 points in a single instance. Please note that every reward point is worth INR 0.25.

How to get the most out of this credit card?

To get the most out of this credit card,  you should make use of the mid-week offers such as going for a movie on a Wednesday or grocery shopping every Wednesday. Since you get accelerated reward points on Wednesdays, you should try to spend as much as possible on Wednesdays. Don’t forget to swipe your card in the first sixty days and get 2,000 bonus points as a welcome gift.  You can get additional 1,000 points as welcome bonus on doing a transaction in the first 60 days.

RBL Titanium Delight Credit Card – Payments & Fees:

Annual Fee INR 750
Foreign Transaction Markup Fee 3.5% of the transaction amount
Cash Withdrawal Fee 2.5% of the withdrawal amount  (minimum INR 300)
Late Payments Fee  15% of Total Amount Due (Min INR  350 and Max INR 1,000)
Overlimit Penalty  INR 600
Credit Card Replacement Fee  INR 200
Railway Ticket Surcharge Fee 1.8% of the transaction amount + IRCTC Service Taxes

Terms & Conditions Explained:

  • Annual Fee Reversal: On spending INR 1 Lakh in the previous year and get the annual fee waived off
  • Foreign Transaction Fee: A foreign currency mark-up fee of 3.5%
  • Maximum Discount: A maximum discount of INR 200 is allowed on the BookMyShow free movie ticket; any additional amount above this price will be charged on your credit card

Application – Eligibility & Documents:

  • KYC-PAN, Address proof and ID Proof
  • One photograph
  • Salary slip/Form 16
  • A good credit history
Find Fintown’s List of India’s BEST CREDIT CARDS in 2018 [Best Offers]

Other Credit Cards with similar/better features:

RBL Movies and More Credit Card:

RBL Movies and More Credit Card is the best credit card offered in the entertainment category. This credit card offers 4 movie tickets worth INR 250 each as welcome benefit. On spending INR 15,000 on your card in a month, you will get 2 free movie tickets. You would also get monthly spend benefit, milestone bonus, BookMyShow offers such as 10%  discount on BookMyShow tickets (for up to 15 transactions),  accelerated rewards on dining on Wednesdays, Fuel Surcharge Waiver and Annual Fee Reversal. With rewards worth INR 20,000+, this credit card is value for money for anyone who loves watching movies or eating at Pizza Hut and KFC.

SBI SimplySAVE Advantage Credit Card

The SBI SimplySAVE Advantage Credit Card is tough to beat when it comes to earning reward points on your everyday spends, esp. grocery. You earn 10 reward points for every INR 100 spent on categories such as spends on groceries, departmental stores, dining and movies. You can also get an annual fee reversal on spending INR 90,000 on your card. Furthermore, a Fuel Surcharge Waiver of 1% at all petrol pumps is an additional benefit. So, it’s not just Wednesdays that you would earn cash back on grocery, but every day.

FinTown Verdict

The RBL Bank Titanium Delight Credit Card allows savings in three categories i.e. movies, grocery and food (pizza). For an INR 750 annual fee, the rewards are decent. However, if you are looking for credit cards with some advanced features, this card won’t serve your purpose well. This credit card is an entry-level card well suited for people who are just starting out with credit cards. However, you should opt for credit cards such as RBL Movies and More, which is way better than the Titanium Delight Credit Card.

FinTown Advantage:  We provide unbiased personal finance advice to help people make the best possible financial decisions. Our reviews and ratings of financial products are determined by customer financial wellbeing and not profiteering. Whether or not we make a penny, we do what is best for the customer. Our research team is made up of economists and market researchers who spend hundreds of hours researching and comparing products with the same mission in mind.

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