CARDMEMBER

AGREEMENT

Read Cardmember Agreement in your preferred language

here: www.rblbank.com/vernacular-cardmember-agreement
 CARDMEMBER AGREEMENT
This agreement is between RBL Bank Limited
and the Cardmember.

1. DEFINITION
1.1 Applicant will be a person who intends for issurance of
RBL bank credit card.
1.2 “RBL Bank Credit Card” or “Credit Card” or “Card” or “Card
Number” shall mean a valid Credit Card including a
Co-Branded Credit Card issued by RBL Bank Limited (that
entitles a Cardmember to use the Card Account with a
pre-defined Credit Limit.
1.3 “Additional Credit Card” or “Add-on Credit Card” shall mean
a Credit Card issued to the Additional Cardmember on the
request of the Primary Cardmember.
1.4 “Additional Cardmember” shall mean an individual who is a
resident of India and a member of the immediate family of
Primary Cardmember viz. Spouse, Brothers, Sisters,
Parents and Children and is above the age of 18 years to
whom an Additional Credit Card will be issued at the
request of the Primary Cardmemberand whose charges are
chargeable to the Card Account of the Primary
Cardmember.
1.5 “Bank, We, Us, Our” or similar pronouns shall mean RBL
Bank, its successors, assigns, administrators, liquidators,
nominees etc., as the case may be.
1.6 “Billing Cycle” shall mean the period between generation of
two successive Billing Statements.
1.7 “Cardmember”, Primary Cardmember”, “Member”,
“Customer”, you, your, him, he, his, or similar pronouns shall
mean the individual in whose name the Card has been
issued and the Card Account is maintained.
1.8 “Card Account” or “Account” shall mean an account
maintained by the Bank under these terms and conditions,
in the name of Primary Cardmember.
1.9 “Card Number” shall mean the unique 16 digit embossed on
the face of your Card (also includes Card Number of
Additional Credit Card, if any).
1.10 “Co-Branded Credit Card” shall mean a credit card
issued by the Bank in association with any other entity
including but not limited to an entity inter-alia engaged in a
commercial/business operation(s).
1.11 “Credit Limit” means the maximum credit that can be
availed across all Card Accounts with the Bank at any
point in time.

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1.12 “Charges” shall mean transactions made or charged to the
Card Account under this Agreement whether or not the
Cardmember signs a record of charge slip/form. This will
include, but will not be limited to, purchase of
goods/services, cash advances, drafts made from the
Account by use of the Card or Card Number, annual fees,
Finance Charges, over limit fee, late payment fee,
transaction charges, service charges, Goods and Services
Tax and any other fee/charges/amounts etc. which the
Cardmember has agreed to pay or is liable to pay to the
Bank under this Agreement.
1.13 “Cash Withdrawal Limit” means the amount of cash or cash
equivalent that the Cardmember may be allowed to utilize
for a non-purchase transaction across all Card Accounts
with the Bank.
1.14 “CVC2” shall mean the last three (3) digits of the number on
the backside of the Card Member’s Credit Card on the
signature panel (below the magnetic stripe). The CVC2 is a
security feature, which is to be used for identification
purposes for internet transactions or for Cardmember’s
identification over the phone.
1.15 “Electronic Terminal” shall mean any branch teller terminal,
automated teller machines (ATM), point of sale terminals,
EDC (Electronic Data Capture machine) or any other device
in which a Credit Card and/or PIN (personal identification
number) can be used, and which is authorized by the Bank
as described in these terms and conditions.
1.16 “Electronic Clearing Service (debit clearing or ECS)” shall
mean the debit clearing service notified by Reserve Bank of
India, participation in which has been consented to in
writing by the Cardmember for facilitating payment of
outstanding dues in the Card Account.
1.17 “Finance Charges” shall mean and include the interest
charged on the Total Outstanding amount on the Card
Account as provided in these terms and conditions.
1.18 “Merchant Establishment” shall mean any company,
corporation, establishment, firm, association, individual or
any such entity which is designated as a network partner
(MasterCard/VISA/RuPay) and/or with whom there is an
arrangement for a Cardmember to obtain goods, services
or cash advances using the Card or Card Number.
Establishment shall include among others, stores, shops,
restaurants, hotels, airlines, cash advance points including
“ATMs and mail order advertisers (whether retailers,
distributors or manufacturers). "Merchant" means any
person who owns or manages or operates the Merchant
Establishment, its successors and permitted assigns. "
1.19 “Minimum Amount Due” shall mean such percentage of the
Total Outstanding balance in the Card Account, as may be
determined by the Bank from time to time, that a

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 Cardmember is required to pay at each instance of the
Billing Cycle and carry forward the balance amount for
payment in the next Billing Cycle. For the purpose herein, it
is clarified that the Cardmember must pay at least the
amount indicated as Minimum Amount Due for each Billing
Cycle and the balance amount carried forward will attract
Finance Charges and the same will have to be paid by the
Cardmember. Late Payment Fee (”LPF”) is applicable if no
payment or a payment less than the Minimum Amount Due
(”MAD”) is paid by the Card Member on the due date.
1.20 “Purchase(s)” shall mean and include purchase of goods
and services by the Cardmember by using the Card.
1.21 “Date of Purchase” shall mean the date at which the
transaction is posted on the card account and not the date
on which the transaction is actually done by the customer.
All charges and rewards shall be calculated on the posting
date.
1.22 “Payment Due Date” shall mean the date on or before
which the Cardmember has to make the payment to the
Bank.
1.23 “Total Outstanding” or “Total Amount Due” shall mean the
total outstanding on the Card Account due to the Bank
including but not limited to Charges, fees and any other
amounts that may be charged by the Bank from time to
time in a Billing Cycle. For the purpose indicated herein, it is
clarified that the Total Outstanding is liable to be paid by
the Cardmember upon each instance of the Billing Cycle,
however, the said Cardmember may choose to pay an
amount lesser than the Total Outstanding, but never less
than the Minimum Amount Due for each Billing Cycle.
1.24 “Temporary Credit Limit” Increase shall mean a credit limit
increase requested by a Cardmember for a specific
purpose. Such increase is done for a specific time-period
and reverted at the end of the time period.
1.25 “Valid Card” shall mean a Credit Card which is issued by the
Bank and has not expired, not been damaged or been
cancelled by the Bank or Cardmember.
1.26 “One Time Password (“OTP”)” means each one-time
password generated by the Bank and delivered via Short
Message Service (SMS).
1.27 “EMV PIN” (“EMV”) means the personal identification
number issued for transactions to be undertaken on the
credit card issued by the Bank.

2. RBL BANK CREDIT CARD

2.1 Cardmember should agree to comply with the terms and
conditions contained herein and as amended by the Bank
under the Reserve Bank of India’s (RBI) instructions or any
statutory bodies or due to change in Bank’s policy from

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 time to time. It is clarified that the Card shall be honored
only when a Valid Card is duly signed on the reverse and
presented to a Merchant Establishment by Cardmember.
Care must be exercised by Cardmembers while revealing
the CVC2 number to any third party including and not
limited to any unidentified individuals groups or internet
address, as CVC2 may be misused for fraudulent
transactions.
2.2 The Card is a property of the Bank and must be produced or
surrendered to the Bank on demand immediately.
2.3 The Card is not transferable and Cardmember should
safeguard the same from misuse by retaining it under your
personal control at all times.
(i) Usage of Credit Card in foreign currencies outside India
will be subject to Foreign Exchange Management Act
(FEMA), 1999 of the Reserve Bank of India regulations.
The card should not be used for purchase of prohibited
items, like lottery tickets, banned or prescribed
magazines, participation in sweepstakes, and payment
for call-backservices.
(ii) Cardmember should not use the Card for making
payments in foreign currency in Nepal or Bhutan.

2.4 In the event of non-compliance by Cardmember with the

Exchange Control Regulations, including but not limited to
online foreign exchange trading or related speculative
activity on the card, the Cardmember may be liable for
action under the Foreign Exchange Management Act, 1999
and rules and regulations framed thereunder. The
Cardmember may be debarred from holding the
internationally valid Credit/Charge Card, either at the
instance of the Bank or the RBI.
2.5 The Primary Cardmember and/or the Additional
Cardmember(s) shall be deemed to have accepted the
terms and conditions of the Cardmember Agreement of
RBL Bank, as modified from time to time at the sole
discretion of the Bank, upon acknowledging receipt of the
Card, and/or by signing on the reverse of the Card, and/or
by incurring a charge on theCard.
2.6 Credit Card cannot be used for making payments
directly/indirectly towards Overseas Forex Trading through
electronic/internet trading portals. This is prohibited as per
regulatory guidelines

3. ISSUANCE AND LIABILITY

3.1 The Bank shall issue the Credit Cards to such

applicants/Customers of the Bank/members of the
general public evincing interest in the Credit Card product
of the Bank, who qualify for the issuance as indicated in

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 Banks’ Credit Card issuance policy, as applicable from time
to time. In addition, the Bank at its sole and exclusive
discretion shall decide upon the Credit Limit and/or Cash
Withdrawal Limit to be granted to any Cardmember. The
Credit Limit and/or Cash Withdrawal Limits are
communicated to the Cardmember at various instances,
including but not limited to at the time of delivery of the
Credit Card and the Cardmember’s periodic Statement. The
available Credit Limit and/or Cash Withdrawal Limits at the
time of periodic Statement generation is provided as a part
of the Statement and the Bank at its discretion may review
the Cardmember’s Account periodically and modify the
aforesaid limit(s) based on internal criteria. Cardmembers
seeking to have their respective Credit Limit and/or Cash
Withdrawal Limit increased/altered can do so by writing a
request to the Bank along with all necessary documents
that may be sought by the Bank. The Bank, at its sole
discretion and based on such new documents provided,
may choose to alter the Credit Limit and/or Cash
Withdrawal Limits of the said Cardmember.
3.2 These terms and conditions shall be binding on the
Cardmember on acceptance/swipe of the Credit Card and
its usage.
3.3 No materials (including marketing materials) shall
constitute to be an offer/promise from the Bank to issue a
Credit Card to the applicants/Customers of the
Bank/members of the general public evincing interest in
the Credit Card, including requests/applications for the
issue of Add-on Credit cards.
3.4 In the event that an Add-on Credit Card is issued by the
Bank, the Primary Cardmember shall exclusively at all
times be responsible towards the total amount payable to
the Bank on account of transactions incurred by the
Primary and the Add-on Cardmember.
3.5 The Bank may require the applicants/Customers of the
Bank members of the general public evincing interest in the
Credit Card to produce submit such documents as may be
required by the Bank at its sole discretion or as stipulated
by the applicable law thereto.

4. CARD VALIDITY, EXPIRY AND RENEWAL

4.1 Card is valid up to the last day of the calendar month of the
year indicated on the face of the Card unless cancelled
earlier by the Bank. If Cardmember use the Card outside the
validity period, the Bank shall not be liable in any manner
whatsoever for any consequences that may arise.
4.2 Upon expiry or prior cancellation, Card may be renewed or
reinstated at the sole discretion of the Bank. On expiry, the
Card must be destroyed by cutting it in half over the
magnetic strip. Also, please destroy the chip (if any) on the

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 Credit Card by cutting the chip in two pieces.
4.3 Unless Cardmember is in breach of the Agreement or
otherwise hereunder, the Bank will automatically renew the
validity of the Card and send to the Cardmember a new
Card before the expiry of the Card currently being used. In
case of non-receipt of renewed Card, Cardmember may
contact to the designated Customer Service Centre of the
Bank or write to the Bank at the address notified to
Cardmember from time to time.
4.4 Cardmember must intimate the Bank at least 30 days prior
to the expiry of the Card currently being used if they do not
wish to renew the Card. In absence of such intimation of
cancellation of the Card by the Cardmember, the annual fee
(as applicable at the time of application) shall be charged
to Cardmember Card Account and shall be non-refundable.
4.5 Furnishing of PAN details is mandatory for renewal
requests of credit cards. In case your PAN details are not
updated with us before expiry, the same will not be
renewed. In case PAN is not received within 90 days post
expiry of card, such cards will be closed permanently.

5. ADDITIONAL CARD
5.1 A Card Account may have multiple Additional Cards, the
number to be determined at the sole discretion of the Bank.
The Additional Cardmember must be an Indian resident
above the age of 18 years and must be related to the
Primary Cardmember by virtue of being a parent, spouse,
child or sibling (brother or sister).
5.2 Upon receipt of Cardmember request/authorization, the
Bank at its sole discretion may issue Additional Card to
Additional Cardmember.
5.3 Cardmember will be fully responsible and liable for all
transactions and Charges incurred on the Additional Card,
which will be included in their Statement of Account for
payment. Cardmember along-with the Additional
Cardmember shall be jointly and severally liable to the Bank
for all the Charges even though the monthly Statement of
Account may be sent only to them. These terms and
conditions shall also be binding on the Additional
Cardmembers.
5.4 Cardmember may withdraw the facility of Additional Card
by requesting the Bank and returning to the Bank the
Additional Card cut into half. On receipt of the same, the
Bank will cancel the Additional Card. All transactions
incurred on the Additional Card but not billed prior to the
receipt of the cancelled Additional Card by the Bank, shall
be valid and binding on Cardmember.
5.5 The Additional Card facility and privileges will be
automatically withdrawn if the Primary Card Account is
terminated for any reason.
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6. USE OF CARD
6.1 On receipt of the Credit Card, You must immediately sign on
the signature panel on the reverse of the Credit Card.
6.2 The Card may be used only for bonafide personal or official
purchase of goods and/or services.
6.3 Cardmember must sign and/or collect the charge slip, cash
advance slip, or mail order coupon at the time of incurring
the Charge. Failure to sign a charge slip will not discharge
Cardmember of the liability for the Charges. Cardmember
must retain their copy of the charge slips for at least six
months. Upon Your request, the Bank, at its sole discretion,
may provide copies of charge slips, subject to payment of
an additional charge at the prevailing rate.
6.4 The Bank, at any time, may without prior notice or stating
any reason whatsoever refuse authorization for a Charge at
a Merchant Establishment and/or restrict or defer the
Cardmember’s ability to use the Card and/or suspend or
cancel the Card. The Bank may through an ATM, Merchant
Establishment or by itself may repossess/retain the Credit
Card/seek immediate payment in partial or full of the Credit
Card outstanding if it reasonably believes that it is
necessary to do so for proper management of credit or
business risk or if the Card or the Card Account is being
misused or likely to be misused. Cardmember agree to the
above without any protest or demur.
6.5 Any charge slip or other payment requisition received by
the Bank for any transaction on the Card Account for
payment shall be conclusive proof that the amount
recorded on such charge slip or other requisition was
incurred by the use of the Card by the Cardmember. Where
a charge slip or voucher is not available viz. mail order or
telephone order or electronic commerce (e.g. internet), and
you dispute that transaction, Cardmember will first clear
the outstanding on the Card and shall resolve the dispute
directly with the concerned Merchant Establishment. The
Bank shall not be liable, in any manner whatsoever for the
same.
6.6
Surcharge may be levied on purchase of certain products
and services as notified by the Bank from time to time.
Payment of surcharge is mandatory and the same may vary
from time to time. Surcharge on Transactions at Petrol
Pumps shall be 2.5% of transaction amount subject to a
minimum of Rs. 10/-. Surcharge on purchase/cancellation
of Railway tickets shall be IRCTC service charge + 1.8% of
transaction amount.
6.7
The Bank will not be responsible if any Merchant
Establishment refuses to accept the Card or levies a
surcharge on the Card. However, the Cardmember should
notify the Bank of such refusal to accept the Card or levy of
surcharge by the Merchant Establishment, this complaint

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 at the address notified by the Bank from time to time or at
the designated Customer Service Centre.
6.8 The Bank shall not be in any way responsible and/or liable
for merchandise, price, rate, quality, quantity, warranty,
privileges, benefits and facilities, including but not limited
to deficiency/delay in services, delivery or non-delivery,
purchased or availed of by Cardmember from Merchant
Establishment and/or third party suppliers including any
mail order placed by Cardmember. Any dispute arising
thereto should be settled directly by Cardmember with the
Merchant Establishment/third party suppliers and failure
to do so will not relieve on Cardmember of any obligations
to the Bank.
6.9 No claim by Cardmember against a Merchant
Establishment will be a subject of set off or counterclaim
against the Bank.
6.10 The Card may be suspended/withdrawn by the Bank at its
sole discretion without being liable in any manner
whatsoever to Cardmember, and without assigning a
reason thereof. Termination of the Card and this
Cardmember Agreement shall result automatically in the
termination of the privileges, benefits and facilities
attached thereto.
6.11 It is further clarified that the Cardmember shall pay for the
purchase of any/all goods/services, including but not
limited to air/rail tickets, as it appears on the Statement to
avoid incurring finance or fee charges even if the purchase
has been cancelled subsequently. Credit of refund due to
cancellation will be made to the Card Account (less
cancellation charges) only when intimation of such
cancellation is received by the Bank. No cash refund will be
given to Cardmember. If a credit is not shown in the
Statement of Account within a reasonable time,
Cardmember must notify the Bank, immediately.
6.12 The Cardmember accepts full responsibility for use of the
Card in contravention of laws, rules, regulations, and terms
and conditions of this Cardmember Agreement, and further
undertakes to indemnify the Bank and to make good any
loss, damage, interest, conversion, including but not limited
to any other financial charges and outgoings, costs, and
consequences that the Bank may incur or suffer on Your
account and Your acts of omission/commission and/or
negligence.
6.13 Cardmember is also liable to pay all such statutory
dues/charges /duties levied on the services provided by
the Bank to Cardmember.
6.14 Cardmember agree and hereby authorize the Bank to
convert Charges incurred by Cardmember in foreign
currency into Indian Rupee equivalent at such rate as the
Bank may designate at its sole discretion from time to time.

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7. EMV TERMS AND CONDITIONS
7.1 EMV is a PIN sent either via SMS / email or to the registered
address on record in the Bank’s system. An EMV is
necessary for the Cardmember to be able to carry out
offline transactions using the Bank credit card.
7.2 The Cardmember acknowledge and agree that receipt of
any EMV may be delayed or prevented by factor(s)
affecting the mobile phone service provider(s) or internet
service provider(s) and other factors outside the Bank’s
control. The Bank does not guarantee the delivery of the
EMV. The Cardmember agree to hold the Bank, its directors,
officers, employees and agents free and harmless from any
and all losses or damages, including attorneys’ fees, that
may arise, directly or indirectly, in whole or in part, from:
a. a non-delivery, delayed delivery or the misdirected
delivery of an EMV;
b. Cardmember’s failure or inability to transact on the Bank
credit card as a result thereof; and
c. Any loss or damage suffered or incurred by the
Cardmember on account of any misuse, unauthorized
use, loss or theft of the EMV.

7.3 Cardmember shall comply with all requirements,

instructions and specifications relating to the security of
the EMV as may be prescribed by the Bank at any time and
from time to time in the Bank’s sole and absolute
discretion. Without prejudice to the generality of the
foregoing, the Cardmember shall at no time allow or permit
another person besides the Cardmember to use the EMV.
7.4 The Cardmember is responsible for keeping the EMV
confidential and shall not reveal the EMV to any other party
and shall take all necessary steps to prevent disclosure or
discovery of the EMV and/or password/s to/by any other
party. The Cardmember is responsible for ensuring the
security of the EMV as well as mobile phone or device on
which the EMV is received, and for keeping these protected
from unauthorized use.
7.5 The Cardmember shall be liable for all the transactions
made using the EMV.
7.6 The Cardmember will not be eligible for chargebacks for
transactions which have been authenticated by using the
EMV.
7.7 The Cardmember shall immediately notify the Bank by
calling the 24-Hour Customer Service:

(i) if any number or device registered with the Bank is lost

or stolen, or fails to function as intended,

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 (ii) if the Cardmember have any knowledge or reason for
suspecting that the security or confidentiality of any
EMV has been compromised, or if there has been any
unauthorized use of any EMV or
(Iii) of any loss, replacement and/or change of number, as
the case may be, of any mobile phone or other device (as
the case may be) used by the Cardmember for the
generation and/or reception of the EMV. The
Cardmember shall be solely responsible and liable for all
losses and consequences arising from or in connection
with any failure by the Cardmember to comply with any
of the foregoing. Financial liability arising due to the
loss, theft or misuse of the EMV due to negligence of the
Cardmember and shall be borne by the Cardmember. It
could be result in cancellation of the Card account.

7.8 The Bank reserves the right to refuse any transactions if the
Bank believes that the EMV is being misused or being used
without proper authorization.
7.9 The Bank shall be entitled at its sole and absolute
discretion at any time from time to time to cancel without
notice the use, or require the replacement or modification,
of the EMV without giving any reason therefore and shall
not be liable for any loss or damage as a result thereof.

8. CASH ADVANCES
8.1 Cardmember can use the Credit Card, for withdrawal of
cash from Automated Teller Machines (ATMs) of the Bank,
select partner Banks and from other locations/permitted
establishments as may be offered by the Bank at its sole
discretion from time to time, and also for any other cash
equivalent transactions including but not limited to
demand draft facility, permitted by the Bank from time to
time. For any all such cash advances and cash equivalent
transactions, Cardmember shall comply with all the laws,
rules and regulations including but not limited to Foreign
Exchanges Law as stipulated under the Foreign Exchange
Management Act, 1999 and rules thereunder and as further
notified by RBI and other Government bodies.
Cardmember shall not disclose the ATM PIN/code,
provided to You by the Bank for cash advances, to any
person. Cardmember shall take all possible care to prevent
its discovery by any person.
8.2 Cardmember can obtain a cash advance on Credit Card up
to the Cash Withdrawal Limit amount as may be defined
and or communicated by the Bank from time to time,
subject to the available Cash Withdrawal Limit and such
terms and conditions applicable to cash advance
transactions.

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8.3 Charges, and terms and conditions thereto shall be
communicated in writing to the Cardmember. Such
Charges are subject to change at the sole discretion of the
Bank and shall be levied from the date of withdrawal until
the date of settlement.
8.4 Default interest rates shall be effective immediately on
occurrence of the default. Factors considered in
determining Cardmember’s monthly Finance Charges may
include Cardmember’s vintage, Your overall credit
performance, including nature of defaults if any, in addition
to other indicators of Cardmember’s Accounts usage and
performance.

9. OTHER FEES/CHARGES
9.1 Cardmember should agree to pay all Charges, including
but not limited to charges (for replacement, and duplicate
Statement), transaction fee on cash advance, collection
charges for outstation fee, legal cost, and any other
fee/charges etc. incurred and/or charged by the Bank.

10. GOODS AND SERVICES TAX

10.1 Cardmember should agree to pay Goods and Services Tax
as notified by the Government of India or any such rate as
per the Government of India guidelines that may be levied
on the prescribed fees, finance charges, applicable from
time to time. Goods and Services Tax will reflect on
Cardmember’s monthly Billing Statement.

11. ALERTS
11.1 Cardmember should agree that the Bank shall keep them
informed about the status of their Card Account and
provide any other information from time to time by sending
them messages via SMS and/or Email or any other
communication channel and they would have no objection
to the same. It is further agreed to by the Cardmember that
the Bank, at its sole discretion, may choose to charge a
fee/charge for the said intimation/alert services, towards
which the Cardmember shall have no objection whatsoever.

Availability
11.1 The SMS facility is currently available only to resident
Indian Credit Cardholders having Accounts with RBL BANK
branches in India.
11.2 The SMS Facility is provided through certain Cellular
Service Providers (“CSP”) and therefore available in regions
where the CSP provides services and to subscribers of
services of the CSP in India.

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11.3 The Alerts will be sent to the Credit Cardholder only if the
Credit Cardholder is within the cellular circles of the CSP or
in circles forming part of the roaming network of such CSP.
11.4 RBL BANK may, if feasible, provide the Facilities through
more cellular service providers to increase the coverage.
11.5 The above terms will be valid for all programs under which
RBL Bank sends information using the SMS facility.

12. LOYALTY PROGRAM AND OTHER PROGRAMS

12.1 RBL Bank (RBL BANK) Card Rewards Program or such
other loyalty program, offered with the Credit Card/
co-branded Credit Card (“Program”) allows eligible RBL
Bank Cardmembers (“Cardmember(s)”) to accumulate
points (“Points”) by spending on their RBL Bank Credit
Cards, from time to time. Points accumulated on such
Credit Cards can be exchanged for a wide variety of
rewards as offered by RBL Bank or the entity with whom the
co-branded Credit Card has been issued.
12.2 Participation in the Program is voluntary. The Cardmember
may opt out of the Program by sending intimation to the
Bank.
12.3 The Cardmember may continue to use his/her RBL Bank
Card as he/she normally does. The Annual Fee for
participation in the Program may be as determined by RBL
Bank/commercial or business entity with whom
co-branded Credit Card is issued from time to time.
Enrolment Date – shall mean the date of launch of the
Program for the existing Cardmembers and the date on
which the Card Account is set up by RBL BANK, for new
Cardmembers. Enrolment Year-shall mean “any
twelve-month period” commencing on the Enrolment Date.
12.4 The Points shall be reflected in the monthly Billing
Statement.
12.5 All spending charged to the Credit Card under the Program
will be eligible to earn Points except such spending that is
excluded by RBL Bank from time to time. Spending that is
currently not eligible to earn Points includes, but is not
limited to, the following:
a. Balance transfers
b. Cash advances
c. Financial charges (e.g. late payment fee, dishonored
cheque charges, service fee, transaction charges)
d. Disputed transactions
e. Any purchases made at petrol pumps/service stations,
unless specifically communicated to the Cardmember
otherwise.

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 f. Payment of Enrolment Fee for the Program- For
MoneyTap program, cash
12.6 A Cardmember cannot accrue points for any charge(s)
incurred prior to his/her Enrolment Date.
12.7 Points accumulated by a Cardmember on Credit Card
cannot be combined or used in conjunction with Points of
his/her other Credit Cards at the time of redemption, or
transferred to any other customer loyalty program unless
otherwise specifically notified by RBLBank.
12.8 The Points accrued do not have cash and/or any monetary
value unless the Bank at its sole discretion chooses to offer
the said cash monetary value to selected few Credit
Cards/their respective Cardmembers, upon specific
expenditures and the Points accrued thereof.
12.9 Adjustments will be made to the Points if there are any
credits, including those arising from returned goods or
services or billing disputes. If a disputed transaction is
resolved in favour of the Cardmember or where a
transaction is reversed, proportionate Points will also be
reversed and credited to the Cardmember’s Account, if not
already credited. Likewise, in the case of return of goods or
a disputed transaction is resolved against the Cardmember,
proportionate Points will be debited to/subtracted from the
Cardmember’s Account, if already credited. On redemption,
the redeemed Points will automatically be subtracted from
the Points accumulated in the Card Account.
12.10 RBL Bank will notify, on best effort basis, the Primary
Cardmember in the Statement of Account in respec of the
Credit Card about the number of Points accumulated
immediately preceding the closing date for the said
monthly Statement.
12.11 In the event the Credit Card is voluntarily closed by the
Cardmember or cancelled for any other reason, any
outstanding Reward Points after cancellation of the Credit
Card shall automatically lapse and shall stand forfeited. If
the Credit Card, for any reason whatsoever, is blocked or
suspended by RBL Bank, the Points accumulated shall
stand forfeited but may be reinstated, at the sole discretion
of RBL Bank, if use of Credit Card is reinstated.
12.12 RBL Bank’s decision on computation, lapse, cancellation,
forfeiture, credit, debit, and re-instatement of Points shall
be final, conclusive and binding on the Cardmember.
12.13 The Points available to redeem means Points that can be
redeemed by Cardmember for merchandise
(goods/services) from the Reward Catalogue or for Reward
Certificate available with the Merchant Establishment or in
any manner as may be specific to the respective Credit
Cards including but not limited to instant redemption, cash
redemption, and gift vouchers.

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12.14 The Cardmember understands that Bank, subsequent to
informing the Cardmember, may debit an amount for
participation of the Cardmember in any of its Program(s)
(hereinafter “Amount”). Subsequent to such debit of
Amount, if the Cardmember intimates to the Bank intention
of non-participation in the Program, in writing within 7 days
of receipt of the Statement sent by the Bank with regard to
Cardmember’s usage of the Card, the Amount shall be
credited by the Bank to the Cardmember’s Account.
12.15 The Cardmember shall be communicated the number of
points earned by a Cardmember in one statement cycle.
The rate and the manner these reward points can be
redeemed will be at the sole discretion of the Bank may
change the rate anytime without any prior intimation.
12.16 No accumulation or redemption of the Points will be
permissible if on the relevant date, the Card facility has
been withdrawn or cancelled or Card Account is shown as
an overdue Account.
12.17 Cardmember cannot transfer the Points to another person
or combine the same with any other Card of the Bank held
by You. However, the Bank, at its sole discretion, may in
certain cases allow transfer of Points for specific schemes
and intimate Cardmember of the same from time to time.
12.18 The Bank’s computation of Points shall be final, conclusive
and binding on Cardmember and will not be liable to be
disputed or questioned for any reason whatsoever.
12.19 Points accumulated that are not redeemed by the
Cardmember with 24 months will expire and shall stand
forfeited.
12.20 The Credit Card must not be overdue, suspended, blocked,
cancelled or terminated by RBL Bank at the time of the
receipt of request for redemption of Points.
12.21 The Points accrued can only be redeemed by the Primary
Cardmember, and not by an Additional Cardmember.
12.22 The Points may be redeemed at participating Merchant
Establishments for avariety of rewards, as detailed in the
Program catalogue and other mailers issued by RBL Bank
from time to time, e.g. merchandise, shopping, dining,
travel, entertainment, fee waivers, financial services, Credit
Card upgrades.
12.23 The Cardmember is required to register at
www.rblrewards.com to be able to place a redemption
request. The Cardmember may also access the website for
viewing the status and options for their respective
redemption of Points.
12.24 RBL Bank will not liable for any delay or loss in delivery of
the redemption certificates/vouchers or gifts.

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12.25 Redeemed Points are not exchangeable for other rewards,
or refundable, replaceable, or transferable for cash or credit
under any circumstances, and such redeemed Points
cannot be re-converted back to Points. Once exchanged for
another partner loyalty program, if any, Points cannot be
transferred back.
12.26 All rewards are subject to availability and certain
restrictions may apply. The redemption procedure and the
additional terms and conditions for each reward shall be
set forth in the redemption certificates/vouchers issued to
the Cardmember.
12.27 Any additional meals, transportation, accommodation
arrangements, courier or other costs incurred in connection
with redemption of any reward shall be the sole
responsibility of the Cardmember.
12.28 Issuance of a redemption certificate for dining, travel or
hotel accommodation does not constitute a reservation.
The Cardmember is responsible for making all reservations
and notifying the participating Merchant Establishment(s)
of the reward(s) he/she is going to redeem.
12.29 Other RBL Bank benefits, which are activated by use of the
Credit Card, do not apply to goods or services received as
rewards under the Program.
12.30 RBL Bank shall in no event be responsible or liable, in any
manner whatsoever, for the product and/or services
redeemed from the Point, including but not limited to any
defect or deficiency in or with respect to any claim arising
out of non-use or use of the Points, or in usage of
redemption certificate for dining, travel or hotel
accommodation, or in usage, durability, merchantability of
any product service acquired by redemption of Points.
12.31 Fraud and/or abuse relating to earning and redemption of
Points in the Program shall result in forfeiture of the Points
as well as termination and cancellation of the Credit Card.
12.32 Information supplied by a Cardmember on redemption of
rewards may be used by RBL Bank or its Merchant
Establishments for administrative purposes, without
procuring any permission, written or otherwise, from the
Cardmember.
12.33 Any taxes or other liabilities or charges payable to the
Government, any other authority, body or any other
participating Merchant Establishment, which may arise or
accrue to a Cardmember on redemption of Points as
aforesaid or otherwise shall be to the sole account of the
Cardmember.
12.34 RBL Bank reserves the right to cancel, change or substitute
the rewards, reward conditions or the basis of computation
of Points, or terms and conditions of the

15
 Program at any time, without giving any intimation to the
Cardmember. RBL Bank can suspend or terminate the
Program at any time it deems necessary, without any
liability for the Points earned.
12.35 RBL Bank makes no warranties or representations, either
expressed or implied, with regard to the type, quality or
fitness of the goods and/or services provided/that may be
provided by the participating Merchant Establishments/
co-branded commercial or business entity under the
Program. Merchandise, where applicable, may be
accompanied by warranty information from the
manufacturer and any claims must be directed solely to the
manufacturer or service provider or co-branded
commercial or business entity.
12.36 Any dispute concerning goods or services received as
rewards under the Program shall be settled between the
Cardmember and the participating Merchant
Establishment that supplied the goods or services. RBL
Bank will bear no responsibility for resolving such disputes
or for the dispute itself.
12.37 Each of the Program shall be governed by a separate
specific terms and conditions (hereinafter “Program Terms
and Conditions”). However, such Program Terms and
Conditions shall not amend in any way to the Cardmember
Agreement, and any term referenced but not defined
therein may be interpreted in accordance with the
Cardmember Agreement.
12.38 RBL Bank acts in good faith in response to any oral or
electronic instruction or inquiry by the Cardmember in
respect of any matter in relation to this Program and the
fulfillment of any reward. The Cardmember shall not be
entitled to claim or allege any loss, damage, liability,
expense, etc, attributable, directly or indirectly, to any such
good faith action of RBL Bank and the Cardmember shall
indemnify and hold RBL Bank fully harmless in respect
thereof.
12.39 Notwithstanding the aforesaid, the Bank also provides
some value-added programs to only a select few
Cardmembers. It is clarified that the said Programs are
subject to specific terms and conditions and are
value-added benefits provided by the Bank at its sole
discretion to a select few customers.

13. 24 HOURS CUSTOMER SERVICE

13.1 The Bank shall provide information and facility to
Cardmember to facilitate access to information and carry
out transactions on their Card Account by giving
instructions on telephone. The Bank may accept this either
manually or by an automated system. However, the Bank at
its sole discretion, may decide on the nature of the

16
 information/transaction that can be given/carried over the
telephone. The Bank also reserves the right to authenticate
Cardmember’s identity before processing the request.
13.2 Cardmember should agree that they shall not hold the Bank
liable on account of the Bank acting in good faith on such
instructions.
13.3 The Bank may at its sole discretion tape or record such
instructions and may rely on transcripts of such telephonic
instructions in evidence in any proceedings.
13.4 At Cardmember’s request the Bank may send financial
information by e-mail (at an e-mail registered with the
Bank) regarding the Card Account which may be of a
private or confidential nature and they shall not hold the
Bank liable in any manner should such information come to
the knowledge of any third party.
13.5 In following such instructions, the Bank shall be doing so
on a best effort basis and will not be liable on account of
delay or inability on the part of the Bank to act immediately
or at all on any of their instructions.
13.6 The Bank reserves its right not to carry out such
instructions where the Bank has reasons to believe that the
instructions are not genuine or to withdraw or suspend the
facility.
13.7 In case there is a discrepancy in the particulars or details of
any transaction carried out by the Bank, Cardmember shall
be obliged to inform the Bank of the discrepancy within
thirty (30) days of receiving the advice from the Bank. In the
event that the response provided by the Bank as resolution
to any query is not to the satisfaction of the Cardmember,
Cardmember have an option to escalate the matter within
the available escalation mechanism of the Bank or to an
external forum i.e. Banking Ombudsman. Usage of foul and
unparliamentary language by Cardmember will not be
acceptable and if such instances are found, the Bank may
initiate necessary action as required including termination
of relationship.
13.8 In consideration of the Bank providing the said facility
Cardmember shall indemnify and hereby keep the Bank
indemnified from and against all actions, claims, demands,
proceedings, losses, damages, costs, charges and
expenses that the Bank may incur, sustain or suffer as a
consequence of or by reason of using this facility.

14. INTERNET BANKING

14.1 Cardmember should agree that while making any internet
transaction, any out flow of foreign exchange must be
undertaken by them only in accordance with Foreign
Exchange Management Act, 1999, Information Technology

17
 Act, 2000 and other applicable acts including any rules,
regulations, notifications thereunder and any other law as
may be applicable from time to time. The Bank, at its sole
discretion, may decline certain internet transactions by
Cardmember in order to protect from unauthorized and
illegal use of account information by any person.
14.2 Cardmember may also be given a specific Personal
Identification Number (PIN) for use of this facility.
Cardmember shall personally be liable for the security of
the said number and shall not share or disclose the said
number to any individual.
14.3 Cardmember should agree not to use the Card/Card
Number to visit websites on gaming and obscenity that has
been prohibited and declared illegal by the Government of
India. By doing so, they may be liable for any legal action
against them and the Bank shall not be responsible for the
same.
14.4 The information materials contained on the websites are
subject to change. Unauthorized use of the Bank’s website
including but not limited to enter into Bank’s system,
misuse of password or misuse of any information posted
on the website is strictly prohibited. In doing so,
Cardmember shall be liable for legal action under the
provisions of Information Technology Act, 2000 and other
Acts applicable at that time.
14.5 In consideration of the Bank providing the internet banking
facility. Cardmember shall indemnify and hereby keep the
Bank indemnified from and against all actions, claims,
demands, proceedings, losses, damages, costs, charges
and expenses that the Bank may incur, sustain or suffer as
a consequence of or by reason of using this facility.
14.6 The Bank reserves the right to terminate any user’s access
with or without assigning any cause, or without any notice
whatsoever.

15. ONE TIME PASSWORD (‘’OTP’’)

TERMS AND CONDITIONS
15.1 OTP is a one-time password sent via SMS to the mobile
phone number on record in the Bank’s system. An OTP is
necessary to be able to transact using the Credit Card via
the internet or via mobile banking. An OTP is generated for
transactions where the credit card is not present i.e.
transactions carried out over the internet, IVR, etc. and is
valid only for a span of 15 minutes from the time of its
generation.
15.2 The Cardmember acknowledges and agrees that receipt of
any OTP may be delayed or prevented by factor(s)
affecting the mobile phone service provider(s) and other
factors outside Bank’s control. The Bank does not
guarantee the
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 delivery of the OTP. The Cardmember agrees to hold the
Bank, its directors, officers, employees and agents free and
harmless from any and all losses or damages, including
attorneys’ fees, that may arise, directly or indirectly, in
whole or in part, from:
a. a non-delivery, delayed delivery, or the misdirected
delivery of an OTP;
b. failure or inability to transact on the Bank credit card, as
a result thereof; and
c. any loss or damage suffered or incurred on account of
any misuse, unauthorized use, loss or theft of the
OTP.14.3 The Cardmember shall comply with all
requirements, instructions and specifications relating to
the security of the OTP as may be prescribed at any time
and from time to time in its sole and absolute discretion.
Without prejudice to the generality of the foregoing, the
Cardmember shall at no time allow or permit another
person to use the OTP.

15.3 The Cardmember will be responsible for keeping the OTP

confidential. The Cardmember shall not reveal the OTP to
any other party and shall take all necessary steps to
prevent disclosure or discovery of the OTP and/or
password/s to/by any other party. The Cardmember is
responsible for ensuring the security of the OTP as well as
mobile phone or device on which the OTP are received, and
for keeping these protected from unauthorized use.
15.4 The Cardmember shall be liable for all the transactions
made using the OTP.
15.5 The Cardmember shall immediately notify the Bank by
calling the 24-Hour Customer Service:
a. if any number or device registered with the Bank is lost
or stolen, or fails to function as intended,
b. if the Cardmember has any knowledge or reason for
suspecting that the security or confidentiality of any
OTP has been compromised, or if there has been any
unauthorized use of any OTP or
c. of any loss, replacementand/or change of number, as
the case may be, of any mobile phone or other device (as
the case may be) used by the Cardmember for the
generation and/or reception of the OTP. The
Cardmember shall be solely responsible and liable for all
losses and consequences arising from or in connection
with any failure to comply with any of the foregoing.
Financial liability arising due to the loss, theft or misuse
of the OTP due to the Cardmember’s negligence shall be
borne by the Cardmember and could result in
cancellation of the Credit Card.

19
15.6 The Cardmember reserves the right to refuse any
transactions if the Cardmember believes that the OTP is
being misused or being used without proper authorization.
15.7 The Bank shall be entitled at its sole and absolute
discretion at any time from time to time to cancel without
notice the use, or require the replacement or modification,
of the OTP without giving any reason therefor and the Bank
shall not be liable for any loss or damage as a result
thereof.

16. TRANSFER & PAY

Refer the Transfer and Pay terms and Conditions on the
website www.rblbank.com

17. APPOINTMENT OF THIRD PARTY/SERVICE

PROVIDER
17.1 The Cardmember undertakes and authorizes RBL Bank, its
affiliates to exchange, share or part with all the information,
data or documents relating to his/her application to other
RBL Bank
affiliates/branches/subsidiaries/banks/financial
institutions /credit bureaus / agencies / regulatory
authorities / statutory bodies /tax authorities /Information
Bureaus/ BFL/ such other persons as RBL Bank may deem
necessary or appropriate or as may be required for use or
processing of the said information / data by such person/s
or furnishing of the processed information / transaction
data / products thereof and shall not hold RBL Bank liable
for use of this information. However, the Bank will not be
responsible for any consequences arising out of the third
party’s acts or omissions. All payments made to such third
parties service provider for collection will be deducted from
Cardmember’s cost and risk in addition to all costs, charges
and expenses incurred by the Bank to recover the
outstanding dues/amounts. Cardmember shall be liable for
all costs associated with the collection of dues, legal
expenses and discretionary amounts with interest, should
it become necessary to refer the matter to any agent or
take legal recourse for enforcement of payment.
17.2
In case the Cardmember commits a default in payment or
repayment of principal amount of any financial
assistance/facilities/ financial/credit facility or
interest/charges due thereon, RBL Bank and / or the RBI
will have an unqualified right to disclose or publish the
details of the default and the name of the Cardmember/ or
its directors/partners/ add-on card holders, as applicable,
as defaulters in such manner and through such medium as
RBL Bank or RBI in their absolute discretion may think fit.
RBL Bank shall disclose information relating to credit

20
 the Cardmember in terms of the Credit Information
Companies (Regulation) Act, 2005 to a credit information
bureau. Acceptance of an application for a Credit Card is
based on no adverse reports of the Cardmember’s credit
worthiness. RBL Bank may report to other banks or
financial entities any delinquencies in the Card Account or
withdrawal of the Cardmember's credit facility through the
Card or otherwise. Based on the receipt of adverse reports
(relating to credit worthiness of the Cardmember or his /
her family members), RBL Bank may, after 15 days prior
notice in writing, cancel the Credit Card, whereupon the
entire outstanding balance in the Card Account as well as
any further charges incurred by use of the Card, though not
yet billed to the Card Account, shall be immediately payable
by the Cardmember. RBL Bank shall not be obliged to
disclose to the Card Member the name of the bank or
financial entity, from where it received or to which it
disclosed information.

18. CREDIT CARD REISSUANCE AND REPLACEMENT

18.1 If Card becomes defective/gets damaged, mutilated, lost or
stolen, Cardmember may ask for a replacement Credit Card
at any of the Bank’s branches or lodge your request at
Customer Service 24 hour Toll Free number 1800 121 9050.
All such replacement Credit Cards shall be provided at the
discretion of the Bank upon such Charges prevailing at the
time of replacement. The damaged Card must not be used
and should be cut in diagonally over the magnetic strip and
returned immediately to the Bank. Also, please destroy the
chip (if any) on the Credit Card by cutting the chip in two
pieces.

19. CHANGE OF ADDRESS AND TELEPHONE NUMBER

19.1 Cardmember shall promptly notify the Bank at the address
notified by the Bank from time to time or designated
customer service center in writing or telephonically of any
change in their address and/or any telephone number. Any
request for change in address should be accompanied with
the self-attested address proof.

20. EXCLUSION OF LIABILITY

20.1 Without prejudice to the foregoing, the Bank shall be under
no liability whatsoever to Cardmember in respect of any
loss or damage arising directly or indirectly out of
a. any defect in any goods or services supplied,
b. the refusal of any person to honor or accept a Card,

21
 c. the malfunction of any Electronic Terminal,
d. the giving of transaction instruction other than by the
Cardmember,
e. any statement made by any person requesting to return
of the Card or any act performed by any person in
conjunction,
f. handing over of the Card by the Cardmember to anybody
other than designated employees of the Bank at the
Bank’s premises,
g. the exercise by the Bank of its right to demand and
procure the surrender of the Card prior to the expiry date
exposed on its face, whether such demand and
surrender made and/ or procured by the Bank or by any
person or computer terminal,
h. the exercise by the Bank of its right to terminate any
Card or the Card Account, or
i. any injury to credit, character and reputation alleged to
have been caused by the repossession of the Card
and/or any request for its return or the refusal of any
service establishment/mail order establishment to
honor or accept the Card
j. any misstatement, misrepresentation, error or omission
in any details disclosed by the Bank. In the event a
demand or a claim for settlement of outstanding dues
from Cardmember is made either by the Bank or any
person acting on behalf of the Bank, Cardmember
should agree and acknowledge that such demand or
claim shall not amount to be an act of defamation or on
act prejudicial to or reflecting upon Cardmember
character, in any manner.

21. CROSS DEFAULT

21.1 Cardmember accepts that any default in discharging the
obligations under the Cardmember Agreement shall be
deemed default under the Cardmember Agreement and the
Bank reserves the right to exercise any or all rights under
the said Agreement including the right to terminate Credit
Card Facility.
21.2 Cardmember acknowledges the right of the Bank to
terminate the Credit Card facility in the event of default in
respect of any other loan financial credit facility extended
to Cardmember by the Bank and vice versa.

22
22. SERVICES PROVIDED BY NETWORK
PARTNER(MasterCard/VISA/RuPay)
22.1 There are certain emergency services provided to
Cardmember by Network partner
(MasterCard/VISA/RuPay) Such services are provided by
Network partner through third party agents. Cardmember
shall be responsible for the cost incurred in availing such
emergency services provided by/through Network partner.
22.2 Assistance is provided on a best effort basis by/through
Network partner (MasterCard/VISA/RuPay)
22.3 The Bank in India or anywhere in the world does not accept
the responsibility for the arrangement or use of services
provided by network partner (MasterCard/VISA/RuPay)

23. INSURANCE BENEFITS

In addition to Terms and Conditions as may be stipulated
by the concerned insurance company providing insurance
cover/facilities, for the purpose of these Terms and
Conditions, the following Terms and Conditions shall
govern such insurance cover:
23.1 Insurance covers may vary from Card to Card. The
Cardmember understands that he/she is required to check
and understand the specific complimentary insurance
cover provided to the Cardmember under the specific RBL
Bank Card/Co-branded Card.
23.2 The Cardmember specifically understands that any
complimentary insurance covers/facilities provided on any
Card, if any, may not be available for any one or more
specific category/type of Card.
23.3 Insurance covers are not provided by the Bank.
Exclusions/limitations and claim process are applicable as
per policies issued by the concerned insurance company.
The Cardmember specifically acknowledges that RBL Bank
will not be liable in any manner whatsoever by virtue of any
insurance cover provided, whether or not the premium for
such insurance cover is paid by the Cardmember. The
Cardmember acknowledges that the concerned insurance
company will be solely liable, for all such insurance related
claims/matters and the Cardmember shall not hold the
Bank responsible for any matter arising out of or in
connection with such insurance cover, whether for or in
respect of any deficiency or defect in such insurance cover,
recovery or payment of compensation, processing or
settlement of claims or otherwise howsoever, and all such
matters shall be addressed to and sorted out directly with
the concerned insurance company and to the exclusion of
RBL Bank and no communication in this regard will be
entertained by RBL Bank. However, there could be specific

23
 exceptions to the aforesaid for certain insurance covers
offered wherein RBL Bank may assist (but not obliged to) in
informing about and collecting claim documentation and
these will be communicated at the time of selling such
insurance covers.
23.4 The Cardmember acknowledges that the insurance cover
so provided will be available to the Cardmember only as per
the terms of the relevant insurance policy in force, and only
so long as the Cardmember is and remains a Cardmember
of RBL Bank with his Card being Valid Card, and on the Card
membership being withdrawn (whether temporarily or
permanently) for whatever reason, the benefit of such
insurance cover shall automatically and ipso facto cease to
be available from such date of cessation of Card
membership. Further, the Cardmember also agrees that
even during the continuation of his Card membership, RBL
Bank may at any time without prior notice (in its sole
discretion and /or without assigning any reason thereof)
suspend, withdraw or cancel the benefit of such insurance
cover, and there will be no binding obligation on RBL Bank
to continue this benefit.
23.5 Benefits indicated in the concerned insurance policy shall
be the maximum amount for which the Cardmember will be
entitled in the event of any loss during the period of the
respective insurance policies under which such covers are
provided by the concerned insurance company.

24. ASSIGNMENT/SECURITISATION
Cardmember expressly recognizes and accepts that the
Bank shall be absolutely entitled to sell, assign or transfer,
in any manner (including through the drawing of a
negotiable instrument or otherwise) in whole or in part and
on such terms as the Bank may decide (including reserving
a right to the Bank to proceed against Cardmember on
behalf of any purchaser, assignee or transferee),
Cardmember’s outstanding and dues to any third party of
the Bank’s choice without reference to or without written
intimation by the Bank to Cardmember, and any such sale,
assignment or transfer shall bind to accept such third party
as a creditor exclusively or as a joint Creditor with the Bank,
but with the right to the Bank to continue to exercise all
powers hereunder on behalf of such third party and to pay
over such outstanding and dues to such third party or to
appropriate the same, as the Bank may decide. Any costs
incurred by the Bank towards enforcement or its rights and
recovery of outstanding and dues shall be debited to
Cardmember’s Account.

24
25. MISCELLANEOUS
25.1 Where the Bank acts on good faith in response to any oral
or electronic instruction or inquiry by the Cardmember in
respect of any matter in relation to the Card, the
Cardmember will not be entitled to claim or allege any loss,
damage liability, expense etc. attributable, directly or
indirectly, to any such good faith action of the Bank and the
Cardmember agrees to hold the Bank harmless in respect
thereof.24.2 Cardmembers’ liabilities under this
Cardmember Agreement shall not be discharged of until
outstanding on the Card Account is cleared in full.
25.2 The total outstanding on the Card Account together
with the amount of any Charges effected but not yet
charged to the Card Account, will become immediately due
and payable in full to the Bank on bankruptcy, insolvency,
dissolution or winding up of a corporate body of a
Cardmember or death of the Primary Cardmember. The
Primary Cardmember’s estate will be responsible for
setting off any outstanding on the Card Account and
should keep the Bank indemnified against all costs
including legal fees and expenses incurred in recovering
such outstanding. Pending such repayment, the Bank will
be entitled to continue to levy Finance Charges and other
applicable charges as given in the Schedule of Charges at
its prevailing rate.
25.3 The Card Account will also be liable to be suspended on
instructions from any Government/Regulatory Body.
All amounts outstanding on the Card shall be deemed to
have immediately become due on instructions from
Government/Regulatory Bodies, as the case may be, and
the Bank shall be entitled to recover the same in
accordance with the relevant laws in force without
prejudice to Cardmember’s obligation to pay forthwith all
outstanding.
25.4 The Bank shall from time to time be entitled to add to
and/or amend all or any of these terms and conditions,
which shall be communicated in writing to the
Cardmember. Cardmember will be bound by such
amendments unless all the outstanding in the Card
Account is paid and the Card is returned to the Bank for
cancellation or cut in half before the date upon which any
amendment is to have effect.
25.5
The Bank shall at its sole discretion add any new or
withdraw any existing facility or features available to
Cardmember under these terms and conditions.
25.6
All published information is correct and complete at the
time of printing. The Bank cannot assume responsibility for
changes, which occur after printing.
25.7
Cardmember is required to refer to our website:
www.rblbank.com for MITC (Most Important Terms and
Conditions).
25
26. SPLIT AND PAY
26.1 Refer Split and pay terms and conditions on website
www.rblbank.com
Easy Pay has been re branded to Split and Pay

27. OFFERS
27.1 RBL Bank, from time to time, may communicate offers of
various Merchant Establishments to its Cardmembers
either at time of acquisition or after the Card has been
boarded. These may be communicated to the customer
through vouchers that could be co-branded or could be only
of the Merchant Establishment.
27.2 These offers are brought to the Cardmember solely by the
participating Merchant Establishments. Rules pdf the
participating Merchant Establishments will apply. RBL
Bank is not making the offer, holds no warranty and is not
representative of the delivery, quality, merchantability or
suitability of product/services availed of by the
Cardmember under this Offer/the Voucher.
27.3 The Cardmember further understands that any information
exchanged by the Cardmember with the Merchant
Establishment shall be at his/her sole direction and he/she
shall not hold RBL Bank liable or responsible for use
misuse of such information by the Merchant
Establishment. Any disputes as regards delivery, quality,
merchantability or suitability of products/services availed
of under this Offer the vouchers must be addressed by the
Cardmember in writing to the participating Merchant
Establishments directly and RBL Bank will not entertain
any communication in this regard.
27.4 RBL Bank shall not be liable for any loss or damage
whatsoever that may be suffered or for any personal injury
that may be suffered to a Cardmember directly or indirectly
by use or non-use of products/services availed of under
this Offer/the Vouchers.
27.5 RBL Bank reserves the right to extend or terminate these
offers without prior notice. RBL Bank reserves the right, at
any time, without prior notice, to add/alter/modify/change
or vary all of those terms and conditions or to replace,
wholly or in part, this offer by another offer, whether similar
to this offer or not, or to withdraw the offer altogether.
27.6 RBL Bank Cardmember shall not be entitled to
compensation / benefits in any form whatsoever in lieu of
the Offer being availed. offers cannot be exchanged or
redeemed for cash.
27.7 RBL Bank shall not be liable in any manner whatsoever or
howsoever for any loss or damage or claims that may arise
out of or otherwise howsoever from any refusal or failure

26
 on the part of the merchant establishment to provide or
honor the offer, or benefits or privileges given under the
Offer, for any reason whatsoever.
27.8 Offer can be availed only if the card is current and in good
standing at the time of availing the offer
27.9 RBL Bank shall not be responsible or liable in any manner
whatsoever for any deficiency or inadequacy of service
rendered by for any loss whatsoever of any nature suffered
by any Cardmember
27.10 Any dispute relating to the offer or the terms and
conditions shall be subject to the jurisdiction of the Courts
in Mumbai only The disputes if any shall be governed under
the provisions of Arbitration and Conciliation Act, 1996 (as
amended up to date)
27.11 Participation in the Offer is optional and is at the sole
discretion of the Cardmember
27.12 In all matters relating to the Offer, the decision of RBL Bank
shall be final and binding in all respects.
27.13 In the event that the Offer, these terms and conditions, or
any part thereof is prohibited or restricted under applicable
law, the Offer and/or the terms and conditions (as the case
may be) may be modified to the extent required to comply
with the law.
27.14 The terms & conditions of the offer shall be in addition to
and not in substitution of/derogation to, the Card member
terms & conditions governing the card.26.14 Any term and
condition applicable tothe Offer which is illegal, prohibited
or unenforceable under any lawor regulations shall be
ineffective to the extent of such illegality, void, prohibition
or unenforceability without invalidating the remaining
terms and conditions.

28. RIGHT TO SET OFF /BANKER’S LIEN

28.1 In the event of Cardmember delaying or being unable to
settle the Credit Card outstanding, as provided in this
Agreement, for any reason whatsoever, Cardmember
expressly and unconditionally authorise the Bank to set off
and adjust any such outstanding against any property or
assets in the possession of the Bank from time to time,
including but not limited to, Savings Account(s), Current
Account(s), and Term Deposit Account(s) that Cardmember
may have with us individually or jointly, or any amount that
may be payable by Us in any capacity to Cardmember on
any account whatsoever. The Bank shall have a lien over all
their assets in possession of the Bank as per law.

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29. WAIVER/ ACQUIESCENCE
29.1 No delay in exercise or omission to exercise any right,
power or remedy accruing to the Bank upon any default
under this Agreement, or any other agreement or
document, shall impair any such right, privilege, power or
remedy, nor shall it be construed to be a
waiver/forbearance thereof or any acquiescence in such
default, nor shall the action or inaction of the Bank in
respect of any default or any acquiescence by it in any
default, affect or impair any right, power or remedy of the
Bank in respect of any subsequent or similar default.

30. ARBITRATION
30.1 Any dispute, controversy or claim arising out of or relating
to this Agreement, or the breach, termination or validity
thereof shall be resolved by referring the dispute to a sole
Arbitrator, appointed by a designated officer of the Bank
under the provisions of the Arbitration and Conciliation Act,
1996 as amended from time to time. The seat of arbitration
shall be Delhi, India. The arbitration proceedings shall be in
English language.

31. JURISDICTION AND GOVERNING LAW

31.1 All disputes arising out of and/or relating to this
Cardmember Agreement shall be subject to the exclusive
jurisdiction of competent courts at Delhi, India. This shall
not, however, limit the rights of the RBL Bank to file /take
proceedings in any other court of competent jurisdiction.
31.2 This Agreement shall be governed by the laws of India.

32. NON-RESIDENT CREDIT CARD PAYMENTS

32.1 If the Cardmember has a Non-Resident Indian (NRI) status,
then he/she should ensure that all payment(s) towards
his/her Credit Card account are necessarily from his/her
Non-resident banking account.
32.2 A resident Cardmember going abroad for employment or
emigration should necessarily inform the bank of the
change in his residential status and apply for closure of his
Credit Card. If any payment towards Credit Card dues is
required by the Cardmember after the residential status
change that would need to make all payments due on his
Card in inward remittances/ from his Non Resident Bank
a/c (NRE/NRO/FCNR a/c). The Cardmember agrees and
hereby authorises the Bank to convert such remittances to
the Indian Rupee equivalent thereof at the then prevailing
exchange rate as notified by the RBI from time to time.

28
 It is the Cardmember’s responsibility to inform the Bank
about the change in his/her residential status.
32.3 The Non-Resident Cardmember agrees and confirms that
the Cardmember will not make any alternative payments
through cash, cheque and fund-transfers from the
Cardmember’s saving account or any other non-NRI
banking accounts. If the customer fails to comply with
requirements as stated above, the bank has the sole right
to block or close the card forthwith and, without notice to
that effect.
32.4
Please note that as per extant RBI regulation, debit from
NRO A/c towards settlement of International charges on
International Credit Cards is subject to the below
restrictions on repatriation of NRO A/c balances: A
Non-Resident Indian (NRI) or a Person of Indian Origin (PIO)
may remit an amount up to USD one million, per financial
year, out of the balances held in his Non- Resident
(Ordinary) Rupee (NRO) account, for all bona fide purposes,
subject to payment of applicable taxes in India, if any.
32.5
A foreign national or expatriates holding RBL Bank Credit
Card will ensure that Valid VISA (with minimum six (6)
months validity) for stay in India is furnished to the bank. In
absence of valid visa, Bank has the right to forthwith
block/cancel or close the Credit Card.

33. SECURED CREDIT CARD TERMS

33.1 “Secured Credit Card” shall mean RBL Bank Credit Card
issued by RBL Bank to the Cardholder against the fixed
deposit maintained by the Cardholder with RBL Bank.
33.2 In order to be eligible for availing the Secured Credit Card,
the Cardholder shall be required to maintain / place a fixed
deposit of minimum Rs. 1,00,000/-amount with RBL Bank
or as advised by internal policies of the bank
33.3 The credit limit on the Secured Credit Card shall be up to
ninety percent (90%) of the fixed deposit amount. The said
credit limit may be subject to change at the sole discretion
of RBL Bank from time to time and shall be communicated
to the Cardholder through such mode and manner as
deemed fit by RBL Bank.
33.4 The Cardholder shall be required to place the fixed deposits
in the manner specified and upon execution of the relevant
documents as specified by RBL Bank from time to time.
The Cardholder shall be required to place fixed deposit at
an RBL Bank branch only or such other alternate channel
as shall be decided and communicated by RBL Bank at its
sole discretion from time to time.
33.5 The fixed deposits so opened shall be opened on auto
renewal mode only. In the event of cancellation of the Card

29
 by Cardholder/ RBL Bank, the fixed deposit linked to the
Secured Credit Card shall continue in accordance with the
instructions placed by the Cardholder at the time of placing
the fixed deposit.
33.6 Upon issuance of the Secured Credit Card, RBL Bank shall
mark a lien on the entire amount of the fixed deposit placed
by the Cardholder, including interest earned by the
Cardholder, until the termination of the Secured Credit Card
or maturity of the fixed deposit, as the case may be.
33.7 In the event that applicant has an existing fixed deposit
with RBL Bank, the fixed deposit will be linked to the
Cardholder’s Secured Credit Card account and the fixed
deposit shall be converted in to an auto- renewal mode with
immediate effect. The prevailing rate of interest applicable
at the time of auto - renewal of the fixed deposit shall be
applicable on the said fixed deposit amount.
33.8 The Cardholder/s shall not be able to make any part
withdrawals from the fixed deposit linked to the Secured
Credit Card.
33.9 The fixed deposits opened / placed by HUFs, Partnership
firms, minors or opened jointly by applicant/s shall not be
entitled for Secured Credit Card. Only those fixed deposits
which are in the name of single individual shall be eligible
for Secured Credit Card.
33.10 Nomination facilities shall be available for the fixed deposit
facility.
33.11 In the event of termination / withdrawal / cancellation of
the fixed deposit or the Secured Credit Card or if the
Cardholder fails to pay the amount outstanding on the
Secured Credit Card within 60 days from the due date, or if
the amount outstanding on the Secured Credit Card
including any fees, charges or any other amount levied by
RBL Bank as per the Terms sums up to more than 95% of
the fixed deposit amount at any point in time, RBL Bank
shall have the right to liquidate the entire fixed deposit
amount including the interest accrued and set off such
amount against the outstanding amount payable to RBL
Bank under the Secured Credit Card. Any balance
remaining after the above referred deduction shall be
refunded to the Cardholder.
33.12
The Secured Credit Card shall be activated after the lien is
marked on the fixed deposit.
33.13
At any given point of time only one Secured Credit Card can
be issued to a Cardholder.

34. ANNUAL FEE REVERSALS

34.1 Year for consideration is defined as 12 months from the
date of first bill generation.

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34.2 Spends will be calculated basis the transaction date
submitted by the Merchant Establishment.
34.3 RBL bank will not be held responsible if Merchant
Establishment submits the transaction date as different
from the actual date when the transaction was done.
34.4 Qualifying purchase value will exclude all EMIs pertaining
to Loan on credit card, Dial an EMI, Balance conversion and
Balance transfer programs, cash withdrawals, fees,
charges and service tax.
34.5 Any disputed transaction will not be considered for
qualifying purchase value computation. Merchant refunds
will be considered as a negative adjustment in qualifying
purchase value computation.

Disclaimer for third party offers:

RBL Bank is neither guaranteeing nor making any representation
with respect to the offer/ products/ services provided by the third
parties including the Partner. For any queries, complaints, issues
and/ or feedback pertaining to products and services purchased
from a third party website, Cardmember shall directly deal with
the third parties only. The benefits/ services may also be
available at other platforms. The Customer’s participation to
avail such benefits/ services is purely voluntary.

Product Benefits
For Product specific benefits and related terms and conditions,
please visit www.rblbank.com under Credit Cards section.

Product specific Terms and Conditions:

For Product specific terms and conditions, please visit the below
mentioned links.

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For Product specific terms and conditions, please visit the
below mentioned links.

Card Product-specific Terms and conditions link

Icon Click here to view Terms and Conditions

World Safari Click here to view Terms and Conditions
Platinum Maxima Click here to view Terms and Conditions
Platinum Maxima
Click here to view Terms and Conditions
Plus
Popcorn Click here to view Terms and Conditions
Movies and More Click here to view Terms and Conditions
Platinum delight Click here to view Terms and Conditions
Titanium delight Click here to view Terms and Conditions
Cookies Click here to view Terms and Conditions
Monthly Treats Click here to view Terms and Conditions
Paisabazaar Duet Click here to view Terms and Conditions
Paisabazaar Duet
Click here to view Terms and Conditions
Plus
Play Click here to view Terms and Conditions
Shoprite Click here to view Terms and Conditions
Moneytap Click here to view Terms and Conditions
Vcard Click here to view Terms and Conditions
Savemax Click here to view Terms and Conditions
Savemax Pro Click here to view Terms and Conditions
Moneytap Black Click here to view Terms and Conditions
LazyPay Click here to view Terms and Conditions
iGlobe Click here to view Terms and Conditions
Park+ Click here to view Terms and Conditions
Ring Click here to view Terms and Conditions
DMI Finance Click here to view Terms and Conditions
Insignia Click here to view Terms and Conditions
IRCTC Click here to view Terms and Conditions
IndianOil Click here to view Terms and Conditions
IndianOil XTRA Click here to view Terms and Conditions

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 CC/CMA/22/05/2024

www.rblbank.com

RBL Bank Limited

Card Operating Centre: Unit 306-311, 3rd Floor, JMD Megapolis,
Sohna Road, Sector - 48, Gurgaon - 122 018, Haryana. Registered
Office: 1st Lane, Shahupuri, Kolhapur - 416 001, India.
CIN: L65191PN1943PLC007308