Platinum Choice Credit Card

Joining Fee

₹499

Annual Fee

Rs. 499 (Reversed on annual spends of Rs. 0.5 Lakhs)

Rewards
Lifestyle
Fuel
Shopping
Best For: Online shoppers, Movie enthusiasts, Budget-conscious users seeking entry-level rewards

Platinum Choice Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Pros

  • Low annual fee of INR 499
  • Second year fee waived on INR 50,000 annual spend
  • 2X reward points on online spends
  • Monthly fuel surcharge waiver up to INR 100
  • 10% off on BookMyShow up to INR 100/month
  • 2,000 welcome reward points on joining

Cons

  • Online reward points capped at 1,000 points per period
  • Reward redemption fee of INR 99 + GST per redemption day
  • No welcome rewards for First Year Free cards
  • Multiple excluded categories for reward earning

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Reward points not earned on Education, Insurance, Utilities, Rent, Fuel and Wallet Load categories

Effective October 15, 2024: Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash also excluded

2X online reward points capped at 1,000 points per month

Fuel surcharge waiver only on transactions between INR 500 and INR 4,000

Key Benefits & Features

Easy Cash: Unlimited ATM cash withdrawals in India up to billing date; 2.5% processing fee (min INR 500)

2X Reward Points on all online spends, capped at 1,000 Reward Points per period

Notable Exclusions

No reward points on Education transactionsNo reward points on Insurance transactionsNo reward points on Utility transactionsNo reward points on Fuel transactionsNo reward points on Wallet Load transactionsNo reward points on Quasi-Cash transactionsNo reward points on Railways transactionsNo reward points on Rental transactionsNo reward points on Government Services transactionsNo reward points on Contracted Services transactionsNo reward points on Cash transactionsNo reward points on Miscellaneous transactionsNo reward points on Bills2Pay transactions (Tran Code 71, Tran Code 72)No reward points on EMI transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

About Platinum Choice Credit Card

The RBL Bank Platinum Choice Credit Card is a versatile rewards card designed to add value across all your everyday spending categories, from groceries and electronics to fashion and fuel. Marketed as the power of four cards in one, it is built for online shoppers, movie enthusiasts, and budget-conscious users who want meaningful rewards without a heavy annual fee commitment. Cardmembers receive a welcome bonus of 2,000 Reward Points upon payment of the annual fee and spending INR 2,000 within the first 30 days. Everyday purchases earn 1 Reward Point per INR 100 spent, while online spends are rewarded at 2X points, making it especially attractive for digital shoppers. Movie lovers benefit from a 10% discount on BookMyShow, up to INR 100 every month. Fuel spenders enjoy a surcharge waiver of up to INR 100 per month on eligible transactions. The card carries a joining and annual fee of INR 499, both of which can be offset through its spend-based waiver — cardmembers who spend INR 50,000 in a year receive the second-year annual fee reversed. With total estimated annual benefits of over INR 3,599, the Platinum Choice Credit Card delivers strong everyday value for cost-conscious cardholders looking to maximize returns on their regular spending.

Expert Review

Our Verdict

Entry-level rewards card with 2X online points, fuel waiver & movie discounts for INR 499/year.

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