Platinum Edge Credit Card

Joining Fee

₹1,999

Annual Fee

Rs. 1999 (Reversed on annual spends of Rs. 2 Lakhs)

Rewards
Lifestyle
Travel
Fuel
Best For: Online shoppers, Movie enthusiasts, Domestic travelers, Fuel spenders

Platinum Edge Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Pros

  • Annual benefits worth INR 17,999+
  • Free monthly movie ticket on BookMyShow (1+1)
  • Complimentary quarterly domestic lounge access
  • 2X Reward Points on online spends
  • Fuel surcharge waiver up to INR 100/month
  • Annual fee waiver on spending INR 2,00,000
  • Welcome gift of 8,000 Reward Points
  • Milestone rewards up to 10,000+ Reward Points

Cons

  • Annual fee of INR 1,999 applicable
  • Online rewards capped at 1,000 Reward Points
  • Lounge access requires INR 35,000 spend in preceding quarter (excluding rental)
  • Reward redemption fee of INR 99 + GST per redemption day
  • No welcome rewards for First Year Free cards

Hidden Catches (Transparency Policy)

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

Lounge access requires minimum INR 35,000 spend in preceding calendar quarter (excluding rental)

No reward points on Education, Insurance, Utilities, Rent Payments, Wallet Load categories

Effective October 15, 2024: Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash transactions are not eligible for reward points

Reward redemption fee of INR 99 + GST applies per redemption day

Easy Cash withdrawal carries a processing fee of 2.5% (minimum INR 500)

Key Benefits & Features

2X Reward Points on all online spends; maximum cap of 1,000 Reward Points

Notable Exclusions

No reward points on Fuel & Auto transactionsNo reward points on Utility transactionsNo reward points on Insurance transactionsNo reward points on Quasi-Cash transactionsNo reward points on Railways transactionsNo reward points on Rental transactionsNo reward points on Education transactionsNo reward points on Wallet Load 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 Edge Credit Card

The RBL Bank Platinum Edge Credit Card is a versatile Mastercard that combines the power of four cards in one, designed to complement a wide range of spending habits and lifestyle needs. With an annual fee of INR 1,999, the card delivers annual rewards worth INR 17,999 or more, making it an exceptional value proposition for everyday spenders. New cardmembers receive a welcome gift of 8,000 Reward Points upon payment of the annual fee and spending INR 2,000 within 30 days of card issuance. The card rewards all spends with 2 Reward Points for every INR 100 spent, with 2X Reward Points on online purchases. Milestone benefits include 10,000 Reward Points on annual spends of INR 1,50,000, with an additional 5,000 Reward Points for every INR 1,00,000 spent thereafter. Entertainment lovers enjoy one complimentary 1+1 movie ticket on BookMyShow every month, while frequent travelers benefit from one free domestic airport lounge visit every quarter at major airports across India. Additional perks include a fuel surcharge waiver of up to INR 100 per month, concierge services, and an annual fee waiver on spending INR 2,00,000 in a year. The Platinum Edge Credit Card is ideally suited for online shoppers, movie enthusiasts, domestic travelers, and fuel spenders seeking rewarding everyday experiences.

Expert Review

Our Verdict

Versatile rewards card with movie perks, lounge access, fuel waiver & annual benefits worth INR 17,999+

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