Verified 6 Aug
Lakshya Chauhan
Asked 4 Mar 2026
I was worried about the high joining fee but the welcome benefit voucher was credited within 30 days of crossing the spend threshold. Net cost: zero. The trick is to time your application so that you make a big purchase (appliance, travel booking) in the first 45 days.
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I have accumulated around 10,000 reward points on my RBL Bank credit card. What is the redemption value in rupees and the best way to use them?
Tip from someone who made this mistake: never max out the credit limit in the first 6 months. Banks track utilisation, and high utilisation right after approval often triggers a credit limit decrease or even an account review.
