Mastercard, Visa 📡 Contactless NFC

RBL Bank Platinum Maxima Plus Credit Card

Joining Fee₹2,500

Annual Fee₹2,500

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Dining and grocery shoppers wanting 10X reward points across daily essentials, monthly free movie tickets on BookMyShow, domestic lounge visits, and an easy ₹2L spend waiver.

Who Should Avoid

Users who cannot meet the ₹35,000 quarterly spend threshold for lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

10,000 bonus Reward Points upon payment of joining fee and completing first retail transaction within 30 days

10X Reward Points on Dining, Groceries & Fuel

Earn 10 Reward Points per ₹100 (2.5% return) on Dining, Entertainment, Grocery, and Fuel spends (capped at 1,000 points/month each).

1 Free Movie Ticket Monthly on BMS

1 complimentary movie ticket every month on booking 2 or more tickets via BookMyShow (up to ₹200/mo, saving ₹2,400/yr).

Domestic Airport Lounge Access

2 complimentary domestic airport lounge visits per calendar quarter (on min ₹35,000 spend in preceding quarter).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

2 Reward Points per ₹100 spent on all other retail purchases (0.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10 Reward Points per ₹100 (2.50% return; 1 RP = ₹0.25) on Dining, Entertainment, Grocery, and Fuel spends (capped at 1,000 points/billing cycle each); 1 complimentary movie ticket on BMS every month (up to ₹200 off)

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: RBL Rewards Catalog (Brand Vouchers & Electronics at 1 RP = ₹0.25), Air Mile Transfers (InterMiles / Air India), Direct Statement Cash Credit

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year)

🌐

International Lounge VisitsNone

⚠️

Spend Criteria: Requires minimum retail spend of ₹35,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹200,000/yr

Annual renewal fee of ₹2,500 + GST is waived off on spending ₹2,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard/Visa network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 across all pumps (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹50,000

Min. Credit Score720 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.99% per month (47.88% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the RBL Bank Platinum Maxima Plus Credit Card

Annual Fee: ₹2,500/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, RBL Bank Platinum Maxima Plus Credit Card has a joining fee of ₹2500 and an annual renewal fee of ₹2500 (plus applicable taxes).