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Practo Plus Credit Card

RBL Bank
|
Co-Branded Healthcare Lounge Access

Annual Fee

₹2,000

Rewards/₹100 ⓘ

₹1.00

Normalized to balance base rate with bonus categories

Interest Rate

47.88%

Credit Score

700+

At a Glance

Key Benefits

Free Practo Plus membership, unlimited consultations, health checkup, 1% HealthCash

Lounge Access

2 domestic lounge visits per quarter (8 per year)

Eligibility

Age: 21-65 years, Monthly income: Rs.25,000+, CIBIL: 700+

Quick Details

Annual Fee
₹2,000 #221
Joining Fee
FREE #1
Interest Rate
47.88% p.a. #267
Forex Markup
3.50% #75
Rewards/₹100
₹1.00 #190
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network VISA
Late Payment Fee ₹1,000 15.00% (min ₹50)
Over Limit Fee ₹600
Cash Advance Fee 2.50% (min ₹500)

Reward Structure

Base

All Spends

₹1.00 /₹100

Reward Calculator

₹
Allocate by Category 100%
Other Spends
1.0 pts
100% ₹0
Your Rewards
Points Earned 0
Cash Value ₹0
Breakdown
Quick amounts:

Milestone Benefits

Welcome Bonus

Free Practo Plus membership worth Rs.4,999 for 1 year

₹4,999

value

Welcome Bonus

Free comprehensive health checkup on card activation

₹2,000

value

Airport Lounge Access

Domestic Free
2

visits per quarter

2 complimentary domestic lounge visits per quarter

Insurance Coverage

Lost Card

₹50,000

Lost card liability protection

Lifestyle Perks

Other

Unlimited 24x7 doctor consultations via chat/call/video

Other

1 /year

Free full body health checkup with home sample pickup

Emi

EMI conversion available on purchases above Rs.3,000

Quick Analysis

RBL Practo Plus was India's first health-focused credit card offering unlimited doctor consultations and health checkups. While innovative for healthcare users, the card has been discontinued.

Pros

  • Free Practo Plus membership worth Rs.4,999 for 1 year
  • Unlimited 24x7 doctor consultations for entire family
  • Free comprehensive health checkup on activation
  • 1 HealthCash per Rs.100 spent (1% return)
  • 2 domestic lounge visits per quarter
  • No joining fee
  • Home sample collection for health tests
  • NABL/CAP accredited lab tests
  • Free add-on cards

Cons

  • Card discontinued - no new applications
  • Rs.2,000 annual fee with no waiver option
  • HealthCash can only be used on Practo platform
  • No travel or accident insurance
  • 3.5% forex markup
  • High APR of 47.88%
  • No international lounge access
  • Rewards locked to Practo ecosystem

Best For

Health-conscious individuals, Practo users, families needing regular consultations

Not Ideal For

Travelers, those seeking flexible rewards, premium benefit seekers

Frequently Asked Questions

Is this card still available?
No, the RBL Practo Plus Credit Card has been discontinued and is no longer accepting new applications.
What is HealthCash?
HealthCash is a reward currency specific to Practo. You earn 1 HealthCash per Rs.100 spent (1:1 value in rupees) which can be redeemed for medicines, tests, and consultations on Practo.
What healthcare benefits did the card offer?
The card offered free Practo Plus membership (worth Rs.4,999) for unlimited 24x7 doctor consultations for the entire family, plus a free comprehensive health checkup with home sample collection.

User Reviews

Our Rating

3.2
APPLY NOW

on RBL Bank's website

Rating Breakdown

Rewards
3.6/5 Top 58%
Benefits
2.7/5 Top 69%
Fees
3.0/5 Top 71%
Value for Money
3.3/5 Top 51%
User Reviews
3.0/5 Top 50%

Important Links

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