RBL Edition Classic: Perfect Dining and Entertainment Card in 2025

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Card Fees

₹500

Joining Fees

₹500

Annual Fees

1.5%

Foreign Transaction Fee

40%

APR

₹500

Over-limit Fee

Eligibility Criteria

21-60

Minimum & maximum age criteria

₹25,000

Minimum monthly income

750

Minimum credit score

Category

, ,

Minimum Credit Score Required

750

Annual Charges

₹500

Features

  • 5% Cashback on Dining Spends
  • Exclusive Movie Ticket Offers
  • Reward Points on Daily Spends

Welcome Offer

  • Free Zomato Pro Membership
  • ₹500 Amazon Voucher on Signup
  • Bonus Reward Points on Joining

The RBL Bank Edition Classic Credit Card is an entry-level card aimed at providing users with a blend of attractive benefits, rewarding programs, and easy-to-understand terms. It’s perfect for those who enjoy dining out, traveling frequently, or simply want a credit card that gives good returns on regular spending. Whether you’re new to credit cards or looking for one that adds value to your lifestyle, the RBL Edition Classic Credit Card stands out with its wide range of benefits.

Written By:

Aftab Memon

Last Updated:

May 1, 2025

Key Features

  1. Reward Points Program
    • One of the most attractive features of the Edition Classic Credit Card is its reward points program, which allows cardholders to earn Edition Cash on every transaction. The reward points can be redeemed for a variety of options, including cashback, vouchers, and other products.
    • Dining Rewards: You can earn 10 Edition Cash per ₹100 spent on dining at partner restaurants, including major dining outlets and popular food apps like Zomato and Blinkit. This feature alone makes it an attractive option for those who dine out regularly.
    • Other Purchases: For all other retail purchases, you will earn 1 Edition Cash per ₹100. This reward structure ensures that you can accumulate points even on everyday expenses, enhancing the value of your credit card.
    • The accumulated Edition Cash can be redeemed against various rewards such as:
      • Cashback on your credit card balance.
      • Vouchers for shopping, dining, and other lifestyle experiences.
      • Merchandise like gadgets, appliances, and travel-related items.
  2. Welcome Benefit
    • RBL Bank offers a welcome benefit of 2,000 Edition Cash for new cardholders who make a minimum purchase of ₹2,000 within the first 30 days of receiving the card. This bonus helps new users quickly start accumulating rewards and adds immediate value to the card.
  3. Travel Benefits
    • The Edition Classic Credit Card provides a range of travel-related benefits, making it an excellent choice for frequent travelers. These benefits include:
    • Airport Lounge Access: Cardholders enjoy 2 complimentary domestic lounge visits per quarter. These visits allow you to relax in comfort before your flight, access premium services, and enjoy refreshments.
    • Foreign Currency Markup Fee: If you frequently travel abroad, you’ll be pleased to know that this card comes with a 1.5% foreign currency markup fee, which is considerably lower than many other premium cards. This fee applies to all international purchases, making this card a good choice for those who regularly make overseas transactions.
  4.  Annual Fee and Fee Waivers
    • The annual fee for the RBL Edition Classic Credit Card is ₹500, which is quite affordable, especially for a card that provides such valuable rewards and travel perks. Additionally, this fee can be waived if you spend ₹50,000 in the previous year, which is reasonable and achievable for regular users.
  5. Flexible Payment Options
    • The Edition Classic Credit Card offers flexible payment options for cardholders, including the ability to convert large purchases into easy EMIs. This feature is especially helpful for those who need to make big-ticket purchases but prefer to spread the cost over several months.
  6. Low Cash Withdrawal Fee
    • While cash withdrawals from credit cards are usually a costly affair, RBL offers a 2.5% fee on cash withdrawals or ₹500, whichever is higher. While this is a standard charge, it’s important to avoid using this feature unless necessary to prevent high charges.

Fees and Charges

Fee TypeAmount
Annual Fee₹500 (Waived on spending ₹50,000 in a year)
Welcome Benefit2,000 Edition Cash on spending ₹2,000 within 30 days
Foreign Currency Markup Fee1.5% of the transaction amount
Cash Withdrawal Fee2.5% or ₹500 (whichever is higher)
Late Payment Fee12.5% of the outstanding amount, with a minimum of ₹5 and a maximum of ₹1,300
EMI Conversion Fee1% of the amount converted into EMI (min ₹100)
Overlimit Fee₹500

The annual fee is quite affordable for most users, and the foreign currency markup fee of 1.5% is a major highlight for international travelers.

Pro and Cons:

Pros:

  • High Rewards on Dining: You earn 10 Edition Cash per ₹100 spent on dining, which is one of the highest reward rates in this category.
  • Low Foreign Currency Markup: The 1.5% foreign currency markup fee makes it a great option for international travelers.
  • Welcome Bonus: The 2,000 Edition Cash welcome bonus is a great incentive for new cardholders.
  • Annual Fee Waiver: The annual fee is waived if you spend ₹50,000 annually, which is quite reasonable.
  • Affordable Annual Fee: The ₹500 annual fee is low compared to other cards offering similar benefits.

Cons:

  • Limited Lounge Access: The card offers only 2 domestic lounge visits per quarter, which may not be sufficient for frequent flyers.
  • Cash Withdrawal Fee: The 2.5% fee on cash withdrawals is higher than some other cards.
  • Spending Requirement for Fee Waiver: While the fee is affordable, the ₹50,000 annual spend requirement for fee waiver might be a stretch for some users.

How to Apply

Apply Now

Online Application:

  1. Visit the RBL Bank website or use the RBL Bank mobile app.
  2. Choose the Edition Classic Credit Card from the available options.
  3. Click on “Apply Now” and fill in the required details, such as personal information, income details, and contact information.
  4. Submit the application and wait for RBL Bank’s approval.

Offline Application:

  1. Visit any nearby RBL Bank branch.
  2. Request an application form for the Edition Classic Credit Card.
  3. Complete the form and submit it along with the necessary documents (e.g., identity proof, address proof, income proof).
  4. Once your application is processed, you’ll receive the card.

Required Documents

  • When applying for the RBL Edition Classic Credit Card, ensure you have the following documents ready:
  • Identity Proof: Aadhar card, passport, voter ID, etc.
  • Address Proof: Utility bills, bank statements, passport, etc.
  • Income Proof: Salary slips, bank statements, or income tax returns.
  • Photographs: Recent passport-sized photos.

Additional Information

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  1.  What is the RBL Edition Classic Credit Card?
    • The RBL Edition Classic Credit Card is a lifestyle-focused credit card offering attractive rewards, travel benefits, and dining perks. It is designed for individuals who wish to earn rewards for everyday spending and enjoy exclusive privileges like lounge access and low foreign currency markup fees.
  2.  What are the benefits of the RBL Edition Classic Credit Card?
    • Dining Rewards: Earn 10 Edition Cash per ₹100 on dining at partner restaurants.
    • Other Purchases: Earn 1 Edition Cash per ₹100 on all other retail transactions.
    • Welcome Benefit: Get 2,000 Edition Cash for spending ₹2,000 within the first 30 days.
    • Lounge Access: Enjoy 2 complimentary domestic lounge visits per quarter.
    • Low Foreign Currency Markup Fee: Just 1.5% on international transactions.
    • Annual Fee Waiver: The ₹500 annual fee is waived if you spend ₹50,000 in the previous year.
  3. What is the annual fee for the RBL Edition Classic Credit Card?
    • The annual fee for the RBL Edition Classic Credit Card is ₹500, which can be waived if you spend ₹50,000 or more in the previous year
  4.  How do I earn rewards with the RBL Edition Classic Credit Card?
    • Dining Rewards: Earn 10 Edition Cash per ₹100 spent on dining.
    • Other Transactions: Earn 1 Edition Cash per ₹100 on all other retail purchases.
    • You can redeem Edition Cash for cashback, vouchers, merchandise, or other rewards.
  5.  Can I use the RBL Edition Classic Credit Card for international transactions?
    • Yes, the RBL Edition Classic Credit Card is designed for international use, offering a low foreign currency markup fee of just 1.5%. This makes it a great option for frequent international travelers.
  6. How many lounge visits do I get with the RBL Edition Classic Credit Card?
    • Cardholders receive 2 complimentary domestic lounge visits per quarter at select airports. Additional visits may incur charges.
  7. How do I apply for the RBL Edition Classic Credit Card?
    • Online Application: Visit the official RBL Bank website or mobile app, choose the Edition Classic Credit Card, and fill in the application form.
    • Offline Application: Visit an RBL Bank branch to complete the application and submit the necessary documents.
  8. What documents are required to apply for the RBL Edition Classic Credit Card?
    • You will need to provide the following documents:
    • Identity Proof: Aadhar card, passport, voter ID, etc.
    • Address Proof: Utility bills, bank statements, passport, etc.
    • Income Proof: Salary slips, bank statements, or income tax returns.
    • Photographs: Recent passport-sized photos.
  9. How is the RBL Edition Classic Credit Card different from other credit cards?
    • The RBL Edition Classic Credit Card stands out with its high dining rewards of 10 Edition Cash per ₹100, a low foreign currency markup fee of 1.5%, and domestic lounge access. Additionally, it offers a welcome bonus and a low annual fee, which are not always available with other entry-level cards.
  10.  What is the cash withdrawal fee on the RBL Edition Classic Credit Card?
    • The cash withdrawal fee on the card is 2.5% of the withdrawn amount or ₹500, whichever is higher. It’s advisable to avoid cash withdrawals to minimize fees.
  11. Is the RBL Edition Classic Credit Card suitable for frequent travelers?
    • Yes, the card is well-suited for travelers with benefits like domestic lounge access and a low foreign currency markup fee of just 1.5% on international transactions.
  12. What are the late payment charges for the RBL Edition Classic Credit Card?
    • The late payment fee is 12.5% of the outstanding amount, with a minimum of ₹5 and a maximum of ₹1,300. To avoid late fees, always make timely payments.
  13. Can I get an add-on card with the RBL Edition Classic Credit Card?
    • Yes, you can request an add-on card for family members (18 years or older) to share the benefits of the primary card.
  14. How can I redeem my Edition Cash?
    • You can redeem your Edition Cash for various rewards such as:
    • Cashback on your credit card balance.
    • Vouchers for shopping, dining, and other lifestyle experiences.
    • Merchandise like electronics, appliances, and travel-related products.

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At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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