CardIQIndia
Corroborated — 3 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
25
#150 of 173 in credit
RBL Bank

RBL Platinum Maxima Credit Card

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Multiplies reward structure robustly over dining, entertainment, and utilities equally.

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value6/100 · weight 65%
≈ 0.27% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency83/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks12/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹2,000 + 18% GST
= ₹2,360 total
Annual fee
₹2,000 + 18% GST
= ₹2,360 / year total
Waiver: Spend INR 2,00,000 in a year
Forex markup
3.5%

Lounge access

Domestic (per year)
2
International (per year)
0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
diningpoints0.65%(2.6 pts @ ₹0.25)—10 Reward Points per Rs 100 on dining, entertainment, utility bill payments
groceriespoints0.65%(2.6 pts @ ₹0.25)——
all_spendspoints0.13%(0.52 pts @ ₹0.25)—2 Reward points per Rs 100 globally mapped