RBL Bank Platinum Maxima Plus Credit Card

Annual fee

₹2,500 a year.

Joining fee

₹0NIL

Add-on card fee

₹200.

Welcome benefit

Begin your Platinum Maxima Plus Credit Card Journey with 10,000 Reward Points as Welcome Benefit. · Avail the welcome benefit in two simple steps: Step 1: Swipe and use your card within 30 days of card issuance. · Step 2: Pay the annual membership fee by the payment due date.

Reward rate

2 reward points per ₹100 · everyday spends2 reward points for every ₹100 spent on your purchases.

Groceries earning

10 reward points for every ₹100 when you use your card for grocery.

Reward earning on dining spends

10 reward points for every ₹100 when you use your card for dining.

Reward earning on international spends

10 reward points for every ₹100 when you use your card for international purchases.

Reward exclusions

Excluded from reward point benefit: Fuel & Auto, Utilities, Insurance, Quasi-Cash, Real Estate/Rental, Education, Wallets/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2 Pay and EMI conversion of retail transactions

Reward caps

Up to maximum 1000 Reward points per month

Flight redemptionHotel redemptionVoucher and product redemption

Redeem your Reward Points for air travel, hotel stays, shopping vouchers.

Domestic lounge access

Primary cardmembers will be eligible for 2 complimentary airport lounge accesses within India in a quarter if they spend ₹35,000 or more in the previous calendar quarter.

Milestone benefits

Purchases of ₹2 lakhs or more in a year get 10,000 reward points, ₹3.5 lakhs or more get additional 10,000, ₹5 lakhs or more get additional 10,000.

Movie or entertainment ticket benefit

One complimentary movie ticket free up to ₹200 every month on the purchase of 2 or more tickets at BookMyShow

Movies and entertainment

10 reward points for every ₹100 when you use your card for dining, entertainment, grocery, and international purchases.

Surcharge on railway tickets

IRCTC Service Charges + Payment Gateway transaction charges (up to 1.8% of ticket amount + IRCTC service charges) as levied by Merchant Bank and IRCTC

Dynamic currency conversion markup

Markup Charges 3.5% on all cards for Foreign Currency Transaction/Dynamic & Static Conversion Transactions.

Forex markup

3.5% on foreign currency transactions.

Cash advance fee

2.5% of the Cash Amount withdrawal (min. ₹500)

Cash advance interest

Finance Charges for both Revolving Credit & Cash Advances upto 3.99% p.m. (upto 47.88% p.a.)

Cash withdrawal limit

Cash Withdrawal Limits are the maximum assigned limits communicated at the time of delivery of the Credit Card and are also indicated on the monthly statements

Interest on unpaid balance

Upto 3.99% p.m. (upto 47.88% p.a.)

Interest-free period

Up to 50 days

Late payment fee

12.5% of Total Outstanding Amount, late payment fees ranges from ₹5 - ₹1,300.

Over-limit fee

Overlimit fee NIL

Payment return or dishonour fee

₹500 for all RBL Bank Credit Cards: Cheque Return/ Dishonour Fee, Auto Debit Reversal-Bank Account out of Funds.

Statement or duplicate statement fee

Duplicate Statement Fee NIL

Card replacement fee

NIL, unless mentioned otherwise

Cash payment / cash deposit fee

Cash Payment at RBL Bank Branches ₹100.

Education / school fee charge

1% fee will be charged on Education Payments made through third-party applications.

EMI conversion fee

Merchant EMI processing fee of 1.5% of the amount or ₹150/- (whichever is higher) will be levied for merchant EMIs.

Foreign ATM fee

2.5% of the cash amount withdrawn (Minimum ₹500/-); the Cardmember can use the Credit Card to withdraw cash from any ATMs in India and/or overseas in accordance with the compatibility of the Credit Card at the said ATM(s)

Reward redemption fee

Reward redemption fee of ₹99 + GST

Fuel transaction fee

1% fee will be charged on each fuel and auto transaction exceeding ₹10,000 subject to a maximum of ₹3000 per transaction

Rent transaction fee

1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant.

Utility transaction fee

1% fee will be charged on aggregate utility spends of more than ₹50,000 per month per Card.

GST note

GST shall be applicable as per the rate prescribed under GST laws from time to time; currently, standard rate of 18% will be levied on all Fees & charges under this MITC

Grace days after the due date

Grace period of 3 days from the payment due date is provided for Card Accounts, where payments are not overdue.

Minimum amount due

Total GST + Current month EMI Debits + [Max of (100% of Fee/ Charges + 5% of (Retail Spends, Cash Advance, Interest)) or ₹200] + previously unpaid MAD (if any) + Overlimit Utilization Amount (if any)