RBL Bank Platinum Maxima Plus Credit Card
RBL Bank
Annual / renewal fee
₹2,500 (1st year and 2nd year onwards).
VerifiedMITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)3 Aug 2026, 10:30 AM ISTRBL Bank
Earn rate
- 2 reward points per ₹100 spent on eligible retail transactions.
- 10 reward points per ₹100 spent on dining, entertainment, grocery and international purchases.
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM ISTRBL Bank
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at rbl.bank.in — if a different card is shown first, use its card selector to pick this one.
This is the issuer's own page for this card. We earn nothing from this link.
You'll land on the issuer's official application portal at rbl.bank.in — if a different card is shown first, use its card selector to pick this one.
Overview
Platinum Maxima Plus Credit Card by RBL Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
NIL for Primary & Add-on Cardmember (joining fee).
VerifiedMITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)3 Aug 2026, 10:30 AM ISTRBL Bank
Annual / renewal fee
₹2,500 (1st year and 2nd year onwards).
VerifiedMITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)3 Aug 2026, 10:30 AM ISTRBL Bank
Fee waiver
Free look period: option to cancel the Credit Card within the first 45 days from date of card issuance (applicable where NIL principal outstanding and welcome benefit not utilised).
VerifiedMITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)3 Aug 2026, 10:30 AM ISTRBL Bank
Renewal fee
- ₹2,500 renewal fee (2nd year onwards).
- No spend-based waiver stated for this card.
VerifiedMITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)3 Aug 2026, 10:30 AM ISTRBL Bank
Rewards
- 2 reward points per ₹100 spent on eligible retail transactions.
- 10 reward points per ₹100 spent on dining, entertainment, grocery and international purchases.
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM IST
Redemption value
- Reward points redeemable at https://rewards.rbl.bank.in.
- Reward redemption fee of ₹99 + GST applicable on redemption of available reward points.
- Points not redeemed within 24 months expire and stand forfeited.
Verifiedharvested from product page3 Aug 2026, 10:30 AM ISTRBL Bank
Reward cap
Maximum 1,000 reward points per month on dining, entertainment, grocery, international and cross border categories.
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM ISTRBL Bank
Reward exclusion
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM ISTRBL Bank
Travel & lounge
Lounge access
- 2 complimentary domestic airport lounge visits per calendar quarter within India, only if ₹35,000 or more was spent in the previous calendar quarter (excludes Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Bills2Pay, Miscellaneous and EMI conversions).
- Only primary cardmember eligible.
- Not applicable on add-on card.
- ₹25 authorization amount charged for validation (reversed in same month's statement).
- No international lounge access stated.
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM ISTRBL Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
10,000 reward points as Welcome Benefit on making an eligible retail transaction within 30 days of card issuance and paying the annual membership fee by the payment due date (credited within 60 days of card issuance).
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM ISTRBL Bank
Dining benefit
10 reward points per ₹100 on dining spends (part of the 5x accelerated earning; capped at 1,000 points per month).
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM ISTRBL Bank
Insurance
- Select Credit Card variants offer complimentary insurance coverage for the Cardmember.
- Policy coverage starts from the date of Credit Card set up.
- Specific insurance covers vary by card.
- Refer to Product Terms & Conditions.
VerifiedMITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)3 Aug 2026, 10:30 AM ISTRBL Bank
Milestone benefit
- Up to 30,000 reward points annually: 10,000 points on eligible retail spends of ₹2 lakh or more in a membership year.
- Additional 10,000 points on ₹3.5 lakh or more.
- Additional 10,000 points on ₹5 lakh or more.
- Excludes Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Bills2Pay, Miscellaneous, and EMI conversions.
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM ISTRBL Bank
Statement credit
Monthly movie benefit: discount of ₹200 or maximum one free ticket (whichever is lower) on booking movie tickets on BookMyShow using the Card, valid on any day of the week (primary card only).
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM ISTRBL Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
3.5% markup on foreign currency transactions and dynamic & static conversion transactions.
VerifiedMITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)3 Aug 2026, 10:30 AM ISTRBL Bank
Charge
- Add-on Card Fee: ₹200 per Add-on Cardmember.
- Finance charges (revolving credit & cash advances): up to 3.99% p.m. (47.88% p.a.).
- Cash advance fee: 2.5% of cash amount (min ₹500).
- Late Payment Fee: 12.5% of Total Outstanding Amount, min ₹5, max ₹1,300.
- Overlimit Fee: NIL.
- Cash Payment at RBL Bank Branches: ₹100.
- Foreign Currency/Dynamic & Static Conversion markup: 3.5%.
- Reward Redemption Fee: ₹99 + GST.
- Merchant EMI Processing Fee: 1.5% of amount or ₹150 whichever higher.
- Fee on Rental Transactions: 1% (MCC 6513).
- Fee on Fuel & Auto Transactions: 1% for each transaction exceeding ₹10,000, capped at ₹3,000.
- Fee on Utility Spends: 1% on utility spends above ₹50,000 per month per card (MCC 4900).
- Fee on Education Payments via third-party apps: 1%.
- Cheque Return/Dishonour/Auto debit reversal fee: ₹500.
- Fee on FASTag loading and Toll Payment above ₹10,000 per transaction: 1% w.e.f. January 07, 2026.
- All charges incur GST @18%.
Verifiedharvested from product page3 Aug 2026, 10:30 AM ISTRBL Bank
Interest-free period
Up to 50 days interest-free (grace) period.
VerifiedMITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)3 Aug 2026, 10:30 AM ISTRBL Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Platinum Maxima Plus Credit Card?
Officially traced: Rs. 2,500 (1st year and 2nd year onwards).
MITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)What is the joining fee on the Platinum Maxima Plus Credit Card?
Officially traced: NIL for Primary & Add-on Cardmember (joining fee).
MITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)Is the Platinum Maxima Plus Credit Card annual fee ever waived?
Free look period: option to cancel the Credit Card within the first 45 days from date of card issuance (applicable where NIL principal outstanding and welcome benefit not utilised).
MITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus)How does the Platinum Maxima Plus Credit Card earn rewards?
2 reward points per Rs. 100 spent on eligible retail transactions.
Terms & Conditions – Platinum Maxima Plus Credit CardWhat lounge access does the Platinum Maxima Plus Credit Card include?
2 complimentary domestic airport lounge visits per calendar quarter within India, only if Rs. 35,000 or more was spent in the previous calendar quarter (excludes Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental.
Terms & Conditions – Platinum Maxima Plus Credit CardWhat welcome benefit does the Platinum Maxima Plus Credit Card offer?
10,000 reward points as Welcome Benefit on making an eligible retail transaction within 30 days of card issuance and paying the annual membership fee by the payment due date (credited within 60 days of card issuance).
Terms & Conditions – Platinum Maxima Plus Credit CardWhat are the transfer ratios for Platinum Maxima Plus Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-maxima-plus-credit-card.
VerifiedTerms & Conditions – Platinum Maxima Plus Credit Card3 Aug 2026, 10:30 AM ISTRBL Bank
Verified 2026-08-03 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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