Zomato RBL Credit Card Review

By | February 21, 2021

RBL Bank, in collaboration with Zomato, one of the leading food delivery brands in the country, launched a Zomato RBL credit card.

Zomato has become a huge food supply chain network in the country in the last few years. Zomato and RBL co-branded with Mastercard to launch this card. Mastercard is the most accepted operator for cards in India.

They launched the card in two variants: Edition Classic credit card and Edition credit card. Or we can say them as basic and premium variants of the card.

Zomato RBL Credit Card

Edition Classic Credit Card (Basic Variant)

zomato rbl edition classic credit card
  • Annual Fee: Rs.500+GST (you get 500 Edition cash)
  • Membership Benefit: Zomato Pro membership (across India)
  • Return on Dining Spends: 5%
  • Returns on any Online Spends: 1.5%
  • Return on any other Spends: 1%
  • Milestone Offer: You will get Rs.2000 edition cash on spending Rs.2 lakhs
  • 1 Edition Cash = Rs.1

We can describe Edition cash as actual money which you can use to make payments. You can make use of edition cash to make food payments, online shopping payments, and even you can use that amount to pay your credit card bills as well.

To maximize the returns, spend Rs.2,00,000 a year online to get 2.5% back in form of reward or edition cash.

Strength-Weakness

Strength Weakness
Low-cost membership No lounge access
Zomato Pro membership

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Edition Credit card (Premium Variant)

zomato rbl edition credit card
  • Annual Fee: Rs.1500+GST, renewal fee reversed on 2.5L spend.
  • Membership Benefit: Zomato Pro membership ( India)
  • Return on Dining Spends: 10%
  • Returns on any Online Spends: 2%
  • Return on any other Spends: 1%
  • Birthday Benefit: 10% on all spending (New & hot!)
  • Milestone Offer: You will get Rs.2000 edition cash on spending Rs.5 lakh in a year
  • Lounge Access: Domestic: 2/quarter
  • International lounge access: 2 per year
  • 1 Edition Cash = Rs.1

We can describe edition cash as original money which you can use to make payments. You can make use of edition cash to make food payments, online shopping payments, and even you can use that amount to pay your credit card bills as well.

To maximize the returns, spend 5L a year online to get 2.4% back in the form of reward.

Strength-Weakness

Strength Weakness
Zomato Pro membershipLow reward rate
Domestic/International lounge access

Eligibility

zomato rbl card eligibility
  • Age: 18 years – 60 years
  • Occupation: Available for both self-employed as well as a salaried individual

The monetary requirement for the card has nowhere been mentioned, which means you have first to fill the application form for the card, after which the bank will connect you for further proceedings.

Documents Required

  • Identity Proof: PAN Card, Aadhar Card, Voter’s ID Card, Driving License, Ration Card
  • Address Proof: Aadhar card, Voter’s ID, Ration Card, Electricity Bill, Lease/Rent Agreement, Utility Bills
  • Income Proof: Salary Slip of last 6 months
    • Bank Statement of last 6 months
    • ITR of an annual year

How To Apply?

You can apply for the card in the following manner:

  1. RBL account holders can apply for the card by their net banking, non-account holders have to contact the RBL credit card service provider to apply for the card.
  2. Fill up all the information to apply for the card
  3. Submit all the necessary documents required for the credit card

Our Suggestion

This card comes under two variants one is basic, and the other is premium. The plus point with both the card is that both offer Zomato Pro membership.

The difference in the card lies in their reward rate and the lounge access. So, if you are a foodie and like to explore new food stations, then the basic card is enough for you.

But if you want additional and more benefit, or we can say lounge access program, you must choose Premium variant. But remember, the premium variant comes at a high price. Hence go for it if you really find it beneficial.

Bottom Line

Overall the card is reliable, and the rewards provided have good value. But here lies a drawback that both the cards have almost the same reward system.

There is not much difference in both of the variants. They should have tried to give more services to a premium variant, which is available in its competitor variants.

But anyway, you can give it a try because they are easy to use and you can use edition cash as cash, which is a plus point.

You have to download Zomato App to apply for the card


FAQ’s

How can I get a Zomato RBL credit card?

You have to download Zomato App to apply for the card.

Can we transfer money from an RBL credit card to a bank account?

Yes, you can transfer the credit card amount to a bank account. The service can be initiated within ten days of application.

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