Ratnakar Bank Limited is one of the top-notch banks in India. Providing competitive resolutions to the financial challenges in the current market, RBL has gained its reputation as one of the leaders in the economy today. RBL Credit Cards are solely intended to address the issues of their cardholders and provide the optimum solutions for all their financial necessities.
While some credit cards are designed to bring ease to the incessant customers, others are intended for business voyagers and the individuals who eat outside consistently. Along these lines, the bank obliges to the requirements of different portions of the economy and sails through their specific requirements.
Covering your credit card overdue bill on time is significant. You can keep away from late payment fees and charges, just as you keep up with your CIBIL score and creditworthiness. The interaction needed to pay the RBL Bank charge card bill is straightforward and can be done both online and offline. Not only this, you get to receive multiple RBL credit card bill payment offers that make the entire process a game-changer in the current scenario.
Let’s explore the options made available by RBL bank:
RBL Card bill payment options for the RBL Account holders using the digital tools and advances of web facilities are the following:
NEFT mode of payment enables instant transfer and is as convenient as it can get. To use your non-RBL bank's net banking or mobile banking service to make the payment of your RBL credit card through the option of NEFT, follow these steps:
This method of payment is accessible only by the RBL account holders. Immediate transaction and the receipt of the transaction will be released on the same day. Follow these steps:
To avail the benefits of this feature, follow these steps:
For opting through the BillDesk option to make your RBL Bank credit card bill payment, you need to follow these steps:
Keep in mind that this mode of payment takes up to 2 days to reflect the amount in your RBL Bank Credit Card account. Therefore it is advised to make the payment while opting for this method duly.
You can also use your RBL debit card to pay for RBL credit card dues. Here’s what you need to do:
RBL bank also provides the facility to conveniently proceed with the payment using their mobile app for a hassle-free transaction. To opt for this option, follow these steps:
You can set up an auto-debit service from your RBL Bank savings account to make convenient instalments every month. Existing RBL Bank account holders can make their card instalments through standing guidelines. Round out the standing directions frame and send it to cardservices@rblbank.com to go ahead with the activation of this policy.
Make sure your credit card is linked with your savings account to opt for this service.
If you are not happy making the payment using online facilities, you can cover your card bill through the accompanying offline techniques
To make the payment of your credit card’s outstanding bill using the service of cheque, follow these steps:
Keep in mind that the clearance of the cheque takes two to three working days. Make sure you deposit your cheque in due time before the final date of payment to avoid late fee charges.
NACH is a facility that helps make the payment automatically from your account. To go ahead with this facility, follow these steps:
RBL Bank has made multiple options available for the Non-Account holders to make the payment with no added sweat. Here are some online modes of payments available:
You can make the payment of your outstanding RBL credit card dues through NEFT using any account. With the facility to ensure instant payment and smooth transaction, NEFT becomes one of the most preferred options to complete the procedure. You need to follow these steps:
To avail the benefits of this feature, follow these steps:
For opting through the BillDesk option to make your RBL Bank credit card bill payment, you need to follow these steps:
Keep in mind that this mode of payment takes up to 2 days to reflect the amount in your RBL Bank Credit Card account. Therefore it is advised to make the payment while opting for this method duly.
E-payment gateways are taking up considerable space in the current market to make the online exchange of finances very smooth and convenient. To select this method, follow these steps:
As an RBL credit cardholder who is a non-RBL account holder, you have the following offline options made available for the repayment of your bill:
To make the payment of your credit card’s outstanding bill using the service of cheque, follow these steps:
Keep in mind that the clearance of the cheque takes two to three working days. Make sure you deposit your cheque in due time before the final payment date to avoid late fee charges.
To avail of the benefits of the NEFT payment services, visit your current bank’s branch where you have your savings account and request for NEFT by using the following details:
To make the RBL credit card bill payment, you can opt for any of the modes mentioned above of payment made available. Multiple online and offline mediums have made the entire process very simple and hassle-free.
To check the status offline:
You can dial the customer helpline number to get assistance from the bank’s representative to receive the statement at your residential address via post. You can also type 'GREEN' and send an SMS to 5607011 from your registered mobile number to get the details on your phone.
To check the status online:
You can avail of the net banking service of the bank to view your card statement.
There is no direct way of making the payment from one credit card to another. You can always select one of these methods to make the indirect transfer:
Most often, the billing cycle of the credit card ranges from 21 to 25 days.
To convert your credit card payment into an EMI facility simply means you wish to convert your credit card sum into a loan amount. To do so, you can opt for any of these options:
Here are some of the charges, including the late fee charge that you need to keep in mind as a holder of the RBL Bank Credit Card
Category | Amount |
Fee for Cash Advance | Minimum Rs. 300 or 2.50% of the cash amount |
Late Payment Fee | 15% of the amount. Min. Rs. 50 and Max. Rs. 1000 |
Over Limit Penalty | Rs. 600 |
Cheque dishonoured/returned fee | Rs. 500 |
Cash payment at RBL Bank branch fee | Rs. 250 per cash deposit |
Foreign Currency Conversion fee | 3.50% |
The interest is charged from the payment date and not the end of the charging cycle. Subsequently, every time you pay just the base equilibrium, to make the cash payment with the facility to ensure instant payment and smooth transaction cause an interest charge on that outstanding sum and miss out on the various benefits made available in the credit-free term.