Strategic Business Opportunities and Technological Tailwinds
Industry Trends ......
_
Disruptions / Fintech / Threats
RBL BANK
Years In Your Service
ESTARUSHED IN 1943
CARDS
Tapping the Untapped
SLICE
UNI
ICICI/AMAZON AXIS/FLIPKART
Product
BNPL
BNPL
Credit Card
Credit Card
1
Empowering and elevating the 'early' with focus on the 'young
Type
millennial' segment who could be a student/NTC/thin files-
profiles which Banks typically don't underwrite.
Key
Segments
Millennials/
NTC/ Thin File
Millennials/
NTC/Thin
File
Millennials/E-com
spenders
Millennials/E-com
spenders
In app sourcing | Zero Fee
2
No annual or renewal charges; making it convenient & lucrative
for early users to enroll for the card offering. App based
sourcing and card management enable 360 ecosystem for the
Monthly
Volume
(~issuance)
2,00,000
10,000
1,00,000
1,00,000
users
Core
Feature
No cost 3m EMI
No cost 3m
EMI
5% cashback on
Amazon purchases
5% cashback on
Flipkart & Myntra
No interest EMI
3
Card users can get up to 90 days of interest-free installments
Fee
Lifetime Free
Lifetime
Free
Lifetime Free
Rs 500/- (waived on
spend milestone)
Big co-brand partnerships
Cashback
1%-2%
1%
1%-5%
1.5%-5%
4
With an extensive ETB base merged with a large E-com 'sticky'
spender base has resulted in high volume issuances to the tune
of 5 million (AMZ+FLP) in the last 3 years
20
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