RBL Bank Play Credit Card

About RBL Bank Play Credit Card

Are you a movie buff who spends at least ₹5,000 every month on your regular expenses? If you find yourself frequently browsing BookMyShow for the latest blockbusters, concerts, or plays, the RBL Bank Play Credit Card might just be your most valuable wallet companion.

This card simplifies entertainment savings. Instead of earning confusing reward points that take months to accumulate, it offers a direct ₹500 discount on movie tickets every single month. By spending ₹1.5 lakh annually, you can effectively wipe out the annual fee while saving over ₹20,000 in a year through various entertainment and fuel benefits.

Designed for young professionals and movie enthusiasts earning at least ₹25,000 per month, this card bridges the gap between lifestyle spending and entertainment perks. Whether you prefer the VISA, Mastercard, or RuPay network, this card fits right into your digital payment habit.

What sets it apart:

• Consistent Movie Savings: Get up to ₹500 off on BookMyShow every month, unlike other cards that offer limited one-time vouchers.
• Full Fee Recovery: The joining fee is completely offset by a ₹500 welcome discount, making your first year practically free.
• Low Entry Barrier: With a minimum annual income requirement of just ₹3 lakh, it is accessible to early-career professionals.

Quick check: To qualify for this card, you should be between 21 and 65 years old with a credit score (CRIF) of 720 or higher.

Let's dive into why this card is a must-have for every cinema lover in India:

Key Benefits & Features of RBL Bank Play Credit Card

The RBL Bank Play Credit Card is heavily focused on the BookMyShow ecosystem. Here is how you can maximize your savings every month:

Entertainment & Movie Perks

• Monthly Movie Discount: If you spend at least ₹5,000 within a billing cycle, you get up to ₹500 off on your next BookMyShow transaction. This applies to a minimum of two tickets booked in a single transaction. The discount will be the lower of ₹500 or the actual value of the two tickets.
• Welcome Bonus: Start your journey with a ₹500 discount on BookMyShow across movies, events, plays, sports, and activities. To get this, you just need to make your first transaction within 30 days of getting the card.
• Food & Beverage Savings: Movies are incomplete without snacks. You get an additional ₹100 off every month on food and beverages when you book your movie tickets through BookMyShow.

Fees and Waiver Conditions

• Joining Fee: A one-time fee of ₹500 is charged. However, since you get a ₹500 BookMyShow discount as a welcome gift, the cost is effectively neutralized.
• Annual Fee: The recurring yearly fee is ₹500.
• Fee Waiver: You can get the annual fee waived for the next year if your total spends in the previous year cross ₹1.5 lakh. This averages out to about ₹12,500 in monthly spends.

Fuel and Surcharge Benefits

• Fuel Surcharge Waiver: You can save on every fuel station visit. The card offers a 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000. This benefit is capped at ₹100 per month, which is perfect for city commuters.

Eligibility Requirements

• Age: Both salaried and self-employed individuals must be between 21 and 65 years old.
• Income: You need a minimum monthly income of ₹25,000 (₹3 lakh per annum).
• Credit Score: A CRIF score of 720 or higher is generally required for a smooth approval process.

Important Note on Exclusions: Please remember that certain transactions do not count towards your ₹5,000 monthly spend milestone for the movie discount. These include rent payments, fuel purchases, insurance premiums, EMI transactions, cash withdrawals, and wallet loads. Government-related transactions and reversals are also excluded.

How to Apply for the RBL Bank Play Credit Card

The application process is straightforward and can be completed online. Follow these steps to get started:

1. Visit the official RBL Bank website or a partner platform and navigate to the credit cards section.
2. Locate the RBL Bank Play Credit Card and click on the "Apply Now" button.
3. Enter your mobile number and verify it using the OTP sent to you.
4. Fill in your personal details, including your full name, date of birth, and email address. Ensure you meet the minimum age requirement of 21 years.
5. Provide your professional details. You must have a minimum annual income of ₹3 lakh to proceed.
6. Submit your PAN card details for a quick credit score check. A CRIF score of 720+ is ideal.
7. Once your preliminary eligibility is confirmed, a bank representative will contact you for document collection or digital KYC.

The application processing timeline ranges from 7 to 15 working days, depending on verification requirements and document submission accuracy.

Credit Limit: What to Expect

Credit limits are not fixed and are assigned based on your income, credit score, and existing banking relationship. If you have a clean repayment history and a salary significantly higher than the ₹25,000 minimum, you can expect a higher starting limit.

RBL Bank reviews credit limits periodically. If you use your RBL Bank Play Credit Card responsibly and pay your bills in full for 6-12 months, you may become eligible for a limit increase. Credit limits for this card usually range from ₹40,000 to ₹2,00,000, determined by your income profile and credit history.

Comparison Table: RBL Bank Play vs. Competitors

To help you decide if this is the right entertainment card for you, let's see how it stacks up against other popular movie-centric credit cards in India.

If you are a heavy user of BookMyShow for more than just movies (like concerts or plays), the RBL Play card is superior because of its flat ₹500 discount. However, if you only go for movies occasionally and want OTT benefits, the Axis My Zone might be a better fit.

Documents Required for RBL Bank Play Credit Card Application

You'll need to submit the following documents when applying to ensure your application is processed quickly:

For Salaried Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
• Address Proof: Aadhaar Card, Utility Bills (not older than 2 months), or Rent Agreement.
• Income Proof: Latest 3 months' salary slips and 6 months' bank statements showing salary credits.
• Employment Proof: Office ID card or official email verification.

For Self-Employed Applicants

• Identity Proof: PAN Card (mandatory), Aadhaar Card, or Driving License.
• Address Proof: Aadhaar Card, Passport, or Property Documents.
• Income Proof: Latest 2 years' ITR (Income Tax Returns) with computation of income.
• Business Proof: Business registration certificate or GST registration documents.

Note: All documents must be self-attested. The bank may request additional documents during the verification process to confirm your ₹3 lakh annual income eligibility.

Who Should Get This Card?

Should you get this card? Here is who benefits the most from the RBL Bank Play Credit Card:

The Weekend Movie Lover: Imagine you are a professional living in a metro city. You spend about ₹4,000 on groceries and ₹2,000 on dining out every month. Since your total spend exceeds ₹5,000, you now qualify for a ₹500 discount on your monthly movie outing. That is essentially one or two free tickets every month, leading to annual savings of ₹6,000 on movies alone.

The Social Butterfly: If you frequently book tickets for music festivals, stand-up comedy shows, or IPL matches through BookMyShow, this card is a goldmine. The ₹500 welcome benefit and the recurring monthly discount apply to various categories, not just cinema.

The Budget-Conscious Commuter: If you spend around ₹3,000-₹4,000 on fuel monthly, the 1% surcharge waiver helps you save a little extra, while your regular grocery spends help you hit the milestone for the movie rewards.

You might want to skip this card if:

• You rarely use BookMyShow and prefer watching movies on OTT platforms.
• Your monthly spends are less than ₹5,000 (excluding fuel and rent), as you won't trigger the movie discount.
• You are looking for a card with travel benefits like airport lounge access, which this card does not provide.

BankKaro Expert Review

Based on the card's features, the RBL Bank Play Credit Card excels at being a dedicated entertainment tool. It does not try to be a "jack of all trades." Instead, it focuses on one thing: making BookMyShow transactions cheaper. For a card with a modest ₹500 annual fee, offering a ₹500 monthly benefit is a very generous 100% value-back ratio on the fee itself.

The biggest limitation is the restrictive nature of the rewards. If you don't spend ₹5,000 in a month, the card offers almost no value. Furthermore, the exclusion list is quite long. Since rent and fuel don't count towards the milestone, you have to ensure your "lifestyle" spends (shopping, dining, utilities) hit that ₹5,000 mark.

Our verdict: Choose this card if you are already a regular at the cinemas and want a straightforward way to cut your entertainment expenses by ₹6,000 a year. It is a simple, no-nonsense card for the digital-first generation. However, if you want a card for general savings across all categories, you might find the rewards structure here a bit too narrow.

Terms and Conditions

Before you apply, please keep these specific terms in mind to ensure you get the maximum benefit:

• The bank may offer a different card variant based on your eligibility. Please carefully read the features of the card offered before submitting your application.
• A minimum transaction of Rs.100 within 30 days is required to activate the card. If you fail to do this, you won’t be eligible for the welcome rewards.
• The ₹500 movie discount is valid only for a single transaction containing at least two tickets.
• Spends on fuel, rent, insurance, and wallet loads are excluded from the ₹5,000 monthly milestone calculation.
• For complete details on usage policies, refer to the full terms and conditions available on the official RBL Bank website.