RBL Bank
RBL Bank Platinum Maxima Plus Credit Card
Annual Fee
₹2,950₹2,500 + GSTBase Reward
2% points
Foreign Markup
Up to 3.5% on all foreign currency transactions.
Welcome Benefits
10,000 Reward Points on making your first purchase within the first 30 days after card issuance.
Product Highlights
- Welcome bonus of 10,000 Reward Points.
- Get 2 Reward Points per ₹100 spent on all purchases.
- Get 5x Reward Points on selected categories.
- Complimentary domestic lounge access every quarter.
- Up to 20,000 bonus reward points every year under milestone benefits.
Category Rewards
dining
10X RP on Dining, Entertainment, Grocery, International
10X
entertainment
10X RP on Dining, Entertainment, Grocery, International
10X
grocery
10X RP on Dining, Entertainment, Grocery, International
10X
Specialty
10X RP on Dining, Entertainment, Grocery, International
10X
Reward Calculator
Costs you ₹1,450/year
Break-even needs ~₹25,567/month at your reward mix.
₹13K
across all your buckets
6K
RBL Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.96%
Annual fee
₹2,950
Year 1 net
₹-1,450
Year 2+ net
₹-1,450
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
10X RP on Dining, Entertainment, Grocery, International
Headline: 2.50% effective
₹250/month ÷ 2.50% = ₹10,000 eligible spend/month
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash advance, rent, wallet, government
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹100/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
You earn 2 Reward Points for every ₹100 spent. You earn 10 Reward Points for every ₹100 spent on Dining, Entertainment, Grocery, and International Transactions. You also get 5x Reward Points on these categories.
- 1 Reward Point = ₹0.25.
Benefits & Features
Domestic: 2 Complimentary Domestic Lounge Access Each Quarter (Spends of ₹35,000 or More in the Previous Quarter) Only one person per card is allowed for the complimentary lounge visits.
Pros & Cons
Pros
- 10,000 Reward Points welcome bonus.
- 2 Reward Points per ₹100 spent.
- 5x Reward Points on dining, entertainment, grocery, and international transactions.
- Complimentary domestic lounge access.
- 1% fuel surcharge waiver.
Cons
- Annual fee of ₹2,500 + GST.
- No complimentary international lounge access.
- No waiver on renewal fee.
Additional Info
Maximum benefit through the 5x Reward offer is capped at 1000 Reward Points per transaction.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks