RBL Bank Edition Black Credit Card and RBL Bank Edition Classic Credit Card are credit card services offered by RBL bank. These credit cards are specially tailored for individuals who frequently dine out or order food online. RBL Bank Edition Black Credit Card and RBL Bank Edition Classic Credit Card come with various rewards including exclusive cashback on dining expenditures and accelerated milestone benefits. The premium variant-RBL Edition Credit Card- offers complimentary lounge access and a low markup fee among other benefits.
Rewards and Benefits on RBL Zomato Edition Credit Cards
Welcome Benefits: RBL Edition Classic Credit Card offers 500 edition cash, credited to your account instantly when you are issued with the card. You can use the Edition cash earned via this card on the Zomato app just like real money, that is, 1 edition cash=1 rupee. The premium variant, RBL Edition Black Credit Card does not offer any welcome benefit. This can be considered a drawback since a sign-up bonus is usually something new users would look forward to.
Cashback: RBL Zomato Edition Credit Cards reward their users with cashback. The cashback reward is given in the form of Edition Cash. You earn 1 Edition cash for every Rs. 100 spent. 1 Edition cash is equal to Rs. 1. As an Edition Classic cardholder, you can use the edition cash to pay for food deliveries and restaurant bills via Zomato. An RBL Bank Edition Credit cardholder can also pay their credit card bill via Edition Cash.02
Milestone Benefits
Both RBL Bank Edition Black Credit Card and RBL Bank Edition Classic Credit Card offer milestone benefits. If you spend Rs. 2 Lakh in a year, the Edition Classic Credit Card awards you Rs. 2,000 worth of Edition Cash. If you spend Rs. 5 Lakh in a year, the Edition Black Credit Card awards you Rs. 2,000 worth of Edition Cash. If you spend Rs. 2.5 Lakh in a year RBL Edition Credit Cards will also waive your annual fees.
In case you are a big spender, maybe you travel and dine out a lot, or host many diners for business or personal reasons and you can end up spending Rs. 41,000 per month or more, then you will be able to use the RBL Edition Credit Cards most judiciously because it means you are able to spend Rs. 5 Lakh in a year. You will save Rs.3,000 in annual fees, and earn Rs. 2,000 in milestone benefits.
Movie Benefits
If you are a holder of RBL Bank Edition Black Credit Card you get to buy two movie tickets for the price of one once every month. This offer allows you to get the second ticket free, up to Rs. 200, when you buy a movie ticket through BookMyShow.
Travel benefits
For a holder of an RBL Bank Edition Black Credit Card, you get to enjoy a variety of benefits including international lounge access, which allows you a Complementary Priority Pass Membership as well as 2 free visits per year at lounges overseas. All you have to do is put in a request with RBL Bank so that your priority pass membership is made available.
You also get to enjoy up to eight free lounge visits per year, two each quarter. The card charges only 1.50% as Foreign Exchange Markup fee which is quite impressive. Other cards that charge low forex markup fees are pretty exclusive as they belong to the premium or super-premium category of credit cards.
Comparison Between RBL Edition Black Credit Card and RBL Edition Classic Credit Card
Which of these two credit cards is the best fit for you?
The main difference between the two RBL Edition credit cards is the annual fee. Edition Black Credit Card charges Rs. 1,499 +GST while Edition Classic Credit Card charges Rs. 500 + GST. The most important consideration when choosing between these two cards is the exact nature and value of your expenditures.
Maybe you use your card mostly to order take-outs online or you eat out but mostly locally. You are probably able to spend Rs. 2 Lakh in a year. Then the RBL Edition Classic credit card may be a good fit for you. You will also be able to get Rs. 2,000 worth of Edition Cash that can be spent on Zomato. There are not many credit cards in this price range that offer such benefits.
RBL Edition Black Credit Card offers lounge access, and a low foreign markup fee of 1.50% only. This means that if you are a frequent traveler both domestically and internationally, you will be able to reap maximum benefits from this card. If you are a frequent diner and high spender as well, the Rs. 3,000 in annual fee waivers and Rs. 2,000 worth of Edition points are a welcome bonus. This card is definitely for you.
Conclusion
RBL Bank Edition Black Credit Card and RBL Bank Edition Classic Credit Card are both great cards for diners. You can choose your card depending on your specific needs. For instance, if you use your card mostly to order food online or you don’t travel much, you are looking for a credit card that offers only dining benefits.
Then there may be no need to go for the Black card because you will not be able to take full advantage of it. If you wish to get additional perks like travel and movies, then go for the Edition Black Credit Card. However, if you are not satisfied with either option you may explore other credit card facilities that offer dining benefits by clicking here.
