1.  Applying for Bank of Rajasthan Credit Card

2.  General FAQ

1. Applying for Bank of Rajasthan Credit Card

1. What are the various types of Credit Cards offered by Bank of Rajasthan?

The various types of Credit Cards offered by Bank of Rajasthan Ltd. are Silver / Gold / Platinum Card.

2. How do I choose the right Card for myself?

Age

< 18 : No Card

Monthly Income (Rs.)

3. What are the eligibility criteria for applying for a Bank of Rajasthan Credit Card?

The eligibility criteria for applying for a Bank of Rajasthan Credit Card is applicant's net annual income as illustrated below

4. What are the service charges and fee structure of various Credit Cards offered by Bank of Rajasthan ?

OR

5. What are the other various charges levied by Bank of Rajasthan Credit Cards?

Please click here for Features and Tariff of Credit Cards offered by Bank of Rajasthan.

6. How do I apply for The Bank of Rajasthan Credit Card?

You can apply for a Bank of Rajasthan Credit Card through either of these three options listed below:

1. Visit any Bankof Rajasthan Branch and submit your application there.

2. Call the Customer Care Centre. We will send across our representative to help you complete the application process.

7. How much time will it take to receive a Bank of Rajasthan Credit Card once I apply for the same?

Once we receive your application form complete in all respects with the necessary documents it will take a period of minimum 15 days to process your Card application.

8. How will I know if my Credit Card application has got approved?

We request you to provide us your mobile number and e-mail id at the time of application for the Credit Card. Once your Card application is approved you will receive an SMS alert or e-mail message informing you of the approved status of your application. You will also receive a letter by post informing you of the Card approval. You should be receiving your Card around the same time as the approval letter.

9. How will I know if my Credit Card application has got declined?

In the unfortunate event of the Bank not being able to approve your Card application for some reason you will receive a letter from the Bank expressing their inability to approve your Card application. In some occasions if there is some further information or documents missing from your application you will be sent a letter asking for the same. You need to then provide the information or documents to the address as specified in the letter.

10. What is a Pin Mailer?

A Pin Mailer contains the Personal Identification Number, which is sent to you by post on approval of your Credit Card application. The PIN Mailer will be sent to you separately. The PIN will be used by you at the ATM in case of cash withdrawal on your Credit Card. Please do not show the PIN to anyone else. Kindly memorize the PIN as soon as you get it and destroy the PIN Mailer. You can change the PIN at the ATM.

11. Whom should I approach if I don’t receive my PIN Mailer or Credit Card?

 If you don’t receive your PIN Mailer or Credit Card after getting the letter of approval please call up the Customer Care Centre and quote the Application reference number mentioned on the approval letter. The Customer Care Executive will help you trace the Card. You can also send email to creditcardhelpdesk@rajbank.com.

12. What are the precautions that I should take on receiving the Card?

Please Do after receiving the Card:

• Please sign on the signature panel on the reverse of the Card immediately with a non-erasable ball-point pen (preferably in black ink). This will ensure that the benefits of membership are yours and yours alone.

• Keep the Card in a prominent place in your wallet. You will notice if it is missing.

Please Avoid in future:

1. Bending the Card.

2. Exposure to electronic devices and gadgets.

3. Direct exposure to sunlight.

13. What is the age Criteria?

14. What are the documents required?

General FAQ

Card Basics

Credit Limit

Revolving Credit

Settling the Bill

Card Basics

1. What should I do if my Card is lost or damaged?

Immediately inform our The Bank of Rajasthan Ltd. Customer Care Center (Toll Free No. - 1800 224 504, Help Line No. - 91 22 27894505). They will immediately freeze payments on your current Card and a new Card will be delivered to you within 15 days.

2. Can I retain my Credit Card if I emigrate?

Credit Cards are issued to resident Indians only. Therefore, under RBI guidelines, you have to surrender your Cards to the bank if you are proceeding abroad on employment or on emigration.

3. Can I use my Credit Card for expenses on the Internet?

Your Card can be used for expenses on the Internet. However, the Reserve Bank of India prohibits its use for certain expenses on the banned list like magazine subscriptions, football pools, sweepstakes or lotteries.

4. What do I do if my Credit Card is declined?

Please call up our Customer Care Center.

5. How do I protect my Credit Card against fraud or theft?

These are very useful tips:

i. Sign your card- as soon as you receive it.

ii. Never give your Credit Card number over the telephone unless you initiated the call. Even when you place the call to a legitimate merchant, never give your card number over a cordless phone. One common scam is when someone calls you "back" right after you place an order, claims to be from the merchant and tells you that there was a problem with your Card number -- would you mind giving it to them again? The best thing to do is to ask them to read you the number they have - and then change any incorrect numbers.

iii. When you use your card at an ATM, enter your PIN in such a way that no one can easily memorize your keystrokes.

iv. Don't leave your receipt behind at the ATM. Your PIN and account number from a discarded receipt could make you vulnerable to Credit Card fraud. Also, don't throw out your Credit Card statement, receipts or carbons without first shredding them!

v. Ignore any Credit Card offer that requires you to spend money up-front or fails to disclose the identity of the Card issuer.

vi. Also, make sure that you personally tear off any voided or cancelled sales slips.

vii. Always keep a list of your Credit Cards, Credit Card numbers and toll-free numbers in case your Card is stolen or lost.

viii. Make certain you get your Card back after you make a purchase (one habit to observe is to leave your wallet open in your hand until you have the Card back).

ix. Check your monthly statement to make certain all charges are your own, and immediately notify the Card issuer of any errors or unauthorized charges.

6. How do I use my Credit Card?

Please check out the user guide for Credit Cards.

Credit Limit

1. What if I cross my credit limit?

If you cross your credit limit, 5% of over limit – minimum Rs. 300/- & maximum Rs. 600/- is charged on the exceeded amount and ask for a temporary credit limit enhancement through Customer Care Center.

2. What is a temporary credit limit enhancement?

There will be times when you feel the need for an increase in your credit limit to enable you to make increased purchases on your Card. To avail of the temporary credit limit enhancement, all you need to do is to call the Customer Care Center at (Toll Free No. - 1800 224 504, Help Line No. - 91 22 27894505) and make your request. The executive will be able to increase the limit on-line. Please note that this facility is available only after 6 months of membership and based on credit history.

3. What is the self-set limit?

Bank of Rajasthan Credit Cards allow you to pre-define your own credit limits. You can request for a limit lower than what your are eligible for.

This monthly spending limit can be reset every billing cycle by just calling Bank of Rajasthan Customer Care Center and place your request with the executive. Your credit limit will be changed on-line and would come in to force from the next billing cycle.

Revolving Credit

1. What is the Revolving Credit Facility?

When you receive your bill, you have the flexibility of selecting any of the following payment options:

Pay the total amount due. Or Pay only the minimum amount due (5% of the bill amount subject to a minimum of Rs 100) and the balance can be carried forward to subsequent statements.

Pay any amount ranging from the minimum amount due to the total amount due.

Should you opt for any of the last two payment options, then the amount due is carried forward to the next billing period. This is referred to as the Revolving Credit Facility.

2. When do I start paying interest on new purchases if I am already revolving credit?

If you are revolving your credit, fresh purchases attract interest from their date of purchase.

3. What is the Balance Transfer facility?

 If you own Credit Cards issued by other banks and wish to apply for a Bank of Rajasthan Credit Card, you can transfer the outstanding balance from your other Card(s) on to the The Bank of Rajasthan Credit Card. This transferred outstanding will attract an interest rate as per fee and tariff for the Silver/Gold/Platinum Card. And what’s more, this beneficial rate of interest is applicable for six months (this special interest rate will not be applicable for new purchases). You can transfer any amount from a minimum of Rs 2,000 to a maximum 75% of the available credit limit on your Bank of Rajasthan Credit Card.

4. Will fresh purchases also attract interest if I use the balance transfer facility?

Your fresh purchases get the normal credit period for the first month. However, if at the end of the first billing cycle, your total amount due (including balance transfer) is not reduced to zero, your fresh purchases attract interest from the day of purchase.

5. Are there any interest charges?

If you send a payment for the Total Amount Due before the "Payment Due Date" no interest charges are applicable. Thus you can enjoy interest-free credit from the date of purchase to the date on which the payment is due. This can be as high as 45 days for Silver/Gold/Platinum Card. However, for certain transactions like cash withdrawals and balance transfers, interest charges would be applicable from the date of transaction till date of payment.

If you send a payment for the "Minimum Amount Due" or pay any part amount less than the "Total Amount Due", interest charges are applied on the outstanding amount and on any fresh charges that you incur subsequently.

If there are some unpaid "Minimum Amounts Due" of previous statements, then these will also be added on to the "Minimum Amount Due" of your current statement.

Any unpaid minimum amount due of the previous statements will be added to the Cardmember's current minimum amount due in addition to the outstanding exceeding the Card Member's Credit Limit and the fee applied in the current statement.

6. When will the interest charge stop?

If all outstanding charges are paid at any point of time, the interest charges will cease to apply immediately.

7. How are interest rates calculated on The Bank of Rajasthan Credit Card?

Interest charges are applicable only if the part payment facility (revolver facility) is chosen. It is governed by a rate of interest. The interest accrual is on a daily outstanding balance. The monthly application of interest happens on the statement date.

Click here for an Example of interest calculation:

Settling the Bill

1. How do I read the monthly Credit Card Statement?

Please check out tips to read the monthly Credit Card Statement.

2. How do I pay my Credit Card bill?

We have convenient procedure for payment of Credit Card bills.

i. Drop cheques at the 'drop box' facility at Branches of The Bank of Rajasthan and ATM centers provided with drop boxes.

ii. Cash payments are accepted only at the branches of The Bank of Rajasthan during banking hours.

iii. The Bank of Rajasthan account holders can avail the convenience of the "Auto Debit" facility through standing instructions.

3. What is the "Auto Debit" facility?

"Auto Debit" allows The Bank of Rajasthan account holders to give standing instructions to pay their Credit Card bills (either minimum amount or total amount due) directly through their bank account. Simply give a written instruction to the Bank of Rajasthan to directly debit the payment from your account every month or call The Bank of Rajasthan Customer Care Centre.

4. What happens if my cheque gets delayed in the mail beyond the payment due date?

If your payment is not received at the designated payment centre by the payment due date, a late fee is applicable and the outstanding amount attracts interest for the number of days by which the payment is delayed.

5. What happens if I pay more than the total amount due?

The excess amount deposit by you shows up as credit balance in your monthly statement and is adjusted against future purchases

6. What is the interest free credit period?

7. What happens in case of a disputed transaction?

In case of a disputed Card transaction, kindly fill up the dispute registration format and post it to the address indicated in the user guide. We will revert to you at the earliest regarding the status of your transaction.