CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
RBL Bank

RBL Platinum Maxima Credit Card

24
Ranked #136 of 170 in credit
creditVisa/MastercardMid-Lifestyle

RBL's mid-tier lifestyle card offering strong accelerated rewards on dining/entertainment/grocery/international spends plus decent domestic lounge access and monthly movie benefits — good for moderate spenders in these specific categories, though the annual fee has no waiver option.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value6/100 · weight 71%
≈ 0.31% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent, insurance. Reward score is scaled by ×(1 − 3.0%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency83/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks41/100 · weight 9%

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: No spend-based waiver condition mentioned by the bank
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
0

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)——
dining_offlinepoints0.63%(2.5 pts @ ₹0.25)₹1,000 / monthly10 pts/Rs100 = 5% headline, capped 1,000pts/month
all_spendspoints0.13%(0.5 pts @ ₹0.25)—2 pts/Rs100 base rate

Welcome offer

8,000 reward points on first transaction within 30 days of activation, subject to annual fee payment

Milestone benefits

Pros

  • Strong 10X (5% effective) on dining/entertainment/grocery/international
  • decent 8 domestic lounge visits/year
  • monthly BOGO movie ticket (up to Rs100, 15x/year)
  • milestone bonuses can offset the fee for moderate-to-high spenders

Cons

  • No international lounge access
  • no spend-based fee waiver (fee is a fixed annual cost)
  • reviewers note the fee is "quite a bit on the higher side" relative to available alternatives
  • no fuel/rent/insurance/utility rewards on some category readings (conflicting across sources — verify at MITC)

What's inside

More benefits

  • BOGO movie tickets

    ₹150

    Buy 1 get 1 free (up to Rs100/Rs200 depending on source) on BookMyShow, up to 15 times/year

    Cap ₹2,250 / monthly. Select RBL Bank offer on BookMyShow

Insurance cover

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₹NaN

Eligibility

text
Age 21-65; income ~Rs3L+ p.a. indicative

Small print

Fuel surcharge:1% waiver, Rs500-4,000 range