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Titanium Delight Credit Card

RBL Bank
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Dining Entry Level Grocery Rewards

Annual Fee

₹750

Rewards/₹100 ⓘ

₹0.25 - ₹5.00

Normalized to balance base rate with bonus categories

Interest Rate

47.88%

Credit Score

700+

At a Glance

Key Benefits

20 RP/Rs.100 pizza, 10 RP/Rs.100 grocery (Wednesdays), BookMyShow 1+1 monthly, fuel surcharge waiver

Lounge Access

No complimentary airport lounge access available

Eligibility

Age: 21-65 years, Salaried/Self-employed, Minimum income Rs.1L-3L annual, Good credit score

Quick Details

Annual Fee
₹750 #158
Joining Fee
₹750 #158
Interest Rate
47.88% p.a. #267
Forex Markup
3.50% #75
Rewards/₹100
₹0.25 - ₹5.00 #49
Reward Type Reward Points
Reward Currency Points
Min Credit Score
700+ #54
Min Monthly Income ₹25
Network MASTERCARD
Card Replacement Fee 100
Late Payment Fee ₹500
Cash Advance Fee ₹500 2.50% (min ₹500)
Card Replacement Fee ₹100
Over Limit Fee ₹500 2.50% (min ₹500)
Fee Waiver on Spend ₹1,50,000/yr

Reward Structure

Base

All Spends

₹0.25 /₹100
Cat

Pizza Orders - Dominos/Pizza Hut (Wednesdays)

₹5.00 /₹100
Cat

Grocery Shopping (Wednesdays)

₹2.50 /₹100

Reward Calculator

₹
Allocate by Category100%
Pizza Orders - Dominos/Pizza Hut (Wednesdays)
20.0 pts
50%₹25,000
Grocery Shopping (Wednesdays)
10.0 pts
30%₹15,000
Other Spends
1.0 pts
20%₹10,000
Your Rewards
Points Earned400
Cash Value₹100
Breakdown
Pizza Orders - Dominos/Pizza Hut (Wednesdays)200
Grocery Shopping (Wednesdays)100
Other Spends100
Total Value₹100
Quick amounts:

Milestone Benefits

Welcome Bonus

2,000 bonus reward points (worth Rs.500) on making eligible retail transaction within 30 days and paying annual fee

Spend ₹1 within 30 days

₹500

value

Welcome Bonus

1,000 additional bonus reward points (worth Rs.250) on transaction exceeding Rs.10,000 within first 60 days

Spend ₹10,000 within 60 days

₹250

value

Milestone

4,000 reward points (worth Rs.1,000) on annual purchases of Rs.1.5 lakhs or more

Spend ₹1,50,000 within 365 days

₹1,000

value

Renewal Benefit

Annual fee waiver on spending Rs.1.5 lakhs or more in membership year

Spend ₹1,50,000 within 365 days

₹750

value

Insurance Coverage

Lost Card

₹50,000

Lost card liability protection - coverage applies when card is reported lost or stolen

Air Accident

₹0

Basic air accident cover may be included - specific coverage details vary, contact RBL Bank for exact terms

Lifestyle Perks

Movies

1 /month

1+1 free movie ticket or Rs.200 discount (whichever is lower) on BookMyShow once a calendar month on Wednesday

Fuel

1 /month

100% fuel surcharge waiver on transactions Rs.500-4,000 across all fuel stations (max Rs.100/month)

Quick Analysis

RBL Titanium Delight was an entry-level rewards card ideal for budget-conscious users who shop groceries and order pizza on Wednesdays. While it offered decent category-specific rewards and mid-week benefits, the card is now discontinued and not accepting new applications. Existing cardholders can continue using it.

Pros

  • Low annual fee of Rs.750 (free on Rs.1.5L spend)
  • 20 reward points/Rs.100 on pizza (Wednesdays) - 5% return
  • 10 reward points/Rs.100 on grocery (Wednesdays) - 2.5% return
  • 2,000 welcome bonus points on first transaction
  • 1,000 bonus points on Rs.10K spend in 60 days
  • 4,000 milestone bonus on Rs.1.5L annual spend
  • 1+1 movie tickets or Rs.200 off on BookMyShow (monthly)
  • 100% fuel surcharge waiver (Rs.500-4,000, max Rs.100/month)
  • Wednesday-focused benefits for groceries and dining
  • Low entry barrier - ideal for first credit card

Cons

  • Card no longer accepting new applications (discontinued)
  • Very low base reward rate (0.25% on regular spends)
  • Limited rewards to specific categories and days
  • Reward redemption fee of Rs.99 + GST per day
  • No complimentary airport lounge access
  • No travel insurance or comprehensive coverage
  • 3.5% forex markup higher than premium cards
  • High APR of 47.88% on outstanding balances
  • Monthly caps on Wednesday bonus rewards (1,000 points)
  • Rewards not earned on fuel, utilities, insurance

Best For

Budget shoppers, Wednesday grocery/pizza spenders, entry-level users (discontinued)

Not Ideal For

Premium benefits seekers, frequent travelers, lounge access needs

Frequently Asked Questions

Is the RBL Titanium Delight Credit Card still available?
No, RBL Bank is no longer accepting new applications for the Titanium Delight Credit Card. The card has been discontinued. RBL Bank now offers the Cookies Credit Card as an alternative. However, existing cardholders can continue to use their Titanium Delight cards and enjoy all associated benefits.
What are the fees for this card?
The annual membership fee is Rs.750 + GST. You can get an annual fee waiver by making purchases worth Rs.1.5 lakhs or more in a membership year. Additionally, there is a reward redemption fee of Rs.99 + GST (one-time per day).
How do I earn reward points?
You earn 1 reward point per Rs.100 on all purchases. On Wednesdays, earn 20 reward points per Rs.100 on pizza orders from Dominos/Pizza Hut (max 1,000 points/month) and 10 reward points per Rs.100 on grocery shopping (max 1,000 points/month). Each reward point is worth Rs.0.25.
What are the welcome benefits?
You get 2,000 bonus reward points (worth Rs.500) on making an eligible retail transaction within 30 days of card issuance and paying the annual fee. Additionally, get 1,000 bonus points (worth Rs.250) on making a transaction exceeding Rs.10,000 within the first 60 days.
What is the Wednesday Mid-Week Delight benefit?
Every Wednesday, you get enhanced rewards: 20 points per Rs.100 on pizza orders (Dominos/Pizza Hut) and 10 points per Rs.100 on grocery shopping. You also get 1+1 free movie ticket or Rs.200 discount on BookMyShow once per calendar month on Wednesday.
Is there a fuel surcharge waiver?
Yes, you get 100% fuel surcharge waiver on all fuel purchases ranging from Rs.500 to Rs.4,000 at all fuel stations across India. The maximum monthly waiver is Rs.100.
What is the interest rate on this card?
The card charges 3.99% per month interest on outstanding balances, which translates to an APR of 47.88% per annum. Interest is charged when you fail to pay the full outstanding balance by the due date.
What is the forex markup fee?
The forex markup fee is 3.5% of the transaction amount for all international transactions.
Does this card offer lounge access?
No, the RBL Titanium Delight Credit Card does not offer complimentary airport lounge access.
Who is eligible for this card?
Applicants must be salaried or self-employed individuals aged between 21 and 65 years with a minimum annual income between Rs.1 lakh to Rs.3 lakh and a good credit score. Note: The card is no longer accepting new applications.
What purchases do not earn reward points?
Reward points are not earned on fuel purchases, utility payments, insurance premiums, railways, real estate transactions, education fees, wallet services, government services, and certain other categories.
How do I redeem reward points?
You can redeem reward points for flights, hotel bookings, mobile recharge, gadgets, accessories, and gift vouchers. The monetary value of 1 reward point is Rs.0.25. A redemption fee of Rs.99 + GST applies once per day.

User Reviews

Our Rating

3.6
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on RBL Bank's website

Rating Breakdown

Rewards
4.4/5 Top 22%
Benefits
2.8/5 Top 79%
Fees
3.3/5 Top 53%
Value for Money
3.7/5 Top 26%
User Reviews
3.0/5 Top 50%

Important Links

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