With easily accessible credit and a host of benefits, RBL credit cards have always been a hit among consumers. These cards not only make your transactions easy but also offer a range of benefits including cashback, reward points, and exclusive discounts. With some strategies and responsible use, you can maximize your rewards with the RBL credit card in 2024. Here are some tips to do that:
Understand the Reward Points System
The first step towards maximizing your RBL credit card rewards is to understand the points system. Each RBL credit card has a different reward point mechanism based on the type of card, spending categories, and consumer behavior. Generally, these points can be redeemed across a variety of options such as gift vouchers, cashback, and air miles. Make sure to regularly check your reward points balance and redeem them before their expiration.
Choose a Suitable Card
RBL offers numerous credit cards, each with unique benefits and rewards. For instance, the Bajaj Finserv RBL Bank Credit Card offers benefits like fuel surcharge waiver, reward points on every shop, and dining discounts. Conversely, the Bajaj Finserv DBS Bank Credit Card offers exclusive rewards on international spending. Select a card that matches your lifestyle and spending pattern to reap the maximum benefits.
Align Your Spending
Most RBL credit cards offer more reward points on certain spending categories such as dining, entertainment, travel, and more. To maximize your rewards, align your spending in such a way that you spend more on these categories.
Timely Payment
Making your RBL credit card payment on time will not only maintain your credit score but also increase your card’s reward earnings. Late payment fees can minimize your rewards while timely payments may offer you an opportunity to earn more points.
Co-Branded Credit Cards
The co-branded credit cards offered by Bajaj Finserv, like the Bajaj Finserv RBL Bank Credit Card and the Bajaj Finserv DBS Bank Credit Card, come with additional benefits. These cards offer additional rewards and benefits when used at partner outlets. The holder of these cards can make the most of these benefits.
Let’s look at the benefits offered by these co-branded cards by Bajaj Finserv:
Bajaj Finserv RBL Bank Credit Card:
– Accelerated reward points on every transaction
– Welcome gifts and cashback
– Exclusive dining and travel benefits
– Fuel surcharge waiver
– Easy EMI options
– Flexible credit limit
Bajaj Finserv DBS Bank Credit Card:
– Accelerated reward points on international spending
– Access to airport lounges
– Welcome gifts and cashback
– Special travel and hotel benefits
– Fuel surcharge waiver
– Easy EMI options
– Flexible credit limit
You can apply for these cards via the Bajaj Finserv website or through other online banking platforms. You will be required to provide necessary identity proofs, income proofs, and your credit history records. Once approved, your card will be sent to your registered address.
Leverage Special Offers & Promotions
Take note of the special offers and promotions running on your card. It could be anything from additional reward points on specific brands or categories to exclusive discounts during a certain period.
Conclusion
Maximizing your RBL credit card rewards requires a careful understanding of the rewards system and prudent usage. Choose the card that caters best to your spending habits, make timely payments, and take full advantage of special offers. Becoming an avid user of the co-branded credit cards offered by Bajaj Finserv could amplify your relationship with Bajaj Finserv and RBL Bank, resulting in more exclusive offers and higher monetary benefits. Be a savvy cardholder in 2024 and make the most of your RBL credit card.