MyFinCards
Platinum LifeEasy Credit Card

Joining Fee

₹1,999

Annual Fee

Rs. 1999 (Reversed on annual spends of Rs. 3.5 Lakhs)

RBL Bank
Cashback
Fuel
Lifestyle
Shopping
Best For: Frequent fuel users, Ola/Uber commuters, Grocery shoppers, Domestic travelers

Platinum LifeEasy Credit Card

Rewards Structure

Base Reward Rate

% on spends

Point Value

1 Point = ₹0.25

Pros

  • High cashback on fuel and ride-hailing (Ola/Uber) at 10%
  • 5% cashback on grocery spends
  • Complimentary domestic lounge access (4 per year)
  • Fuel surcharge waiver up to INR 150/month
  • Annual fee waiver on INR 3,50,000 annual spend
  • Welcome gift vouchers worth INR 2,000
  • Monthly BookMyShow 1+1 movie offer

Cons

  • Cashback capped at INR 200/month per category
  • Lounge access requires INR 35,000 spend in preceding quarter
  • Cashback credited as reward points, not direct cash

Hidden Catches (Transparency Policy)

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

No welcome rewards for First Year Free cards

Cashback credited as reward points redeemable on rblrewards.com

Transactions on Education, Insurance, Utilities, Rent Payments and Wallet Load do not earn reward points

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 rewards

Key Benefits & Features

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

Notable Exclusions

No reward points on Education transactionsNo reward points on Insurance transactionsNo reward points on Utility transactionsNo reward points on Rent/Rental transactionsNo reward points on Wallet Load transactionsNo reward points on Quasi-Cash transactionsNo reward points on Fuel & Auto transactions (effective October 15, 2024)No reward points on Railways 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.

Official Terms & Conditions

About Platinum LifeEasy Credit Card

The RBL Bank Platinum LifeEasy Credit Card is designed to function like four cards in one, offering high savings across everyday spending categories including grocery, fuel, Ola/Uber rides, and travel. With a joining and annual fee of INR 1,999, the card delivers total annual benefits worth INR 20,000 and more, making it a strong value proposition for everyday spenders. Cardholders earn 10% cashback on fuel purchases and Ola/Uber transactions, and 5% cashback on grocery spends, each capped at INR 200 per month. A fuel surcharge waiver of up to INR 150 per month adds further savings at the pump. The card also rewards consistent spenders with gift vouchers worth INR 1,000 upon crossing annual spends of INR 2,50,000, and offers a full second-year fee reversal on spends of INR 3,50,000 in the first year. A BookMyShow 1+1 movie ticket offer once a month adds entertainment value as well. For travelers, the card provides one complimentary domestic airport lounge visit per quarter, unlocked by spending INR 35,000 in the preceding calendar quarter. Welcome benefits include gift vouchers worth INR 2,000 on payment of the joining fee and INR 2,000 in spends within 30 days of card issuance. The Easy Cash feature allows unlimited ATM withdrawals up to the available cash limit from any ATM in India.

Expert Review

Our Verdict

Earn 10% cashback on fuel & Ola/Uber, 5% on groceries, with lounge access & milestone vouchers.

Frequently Asked QuestionsAbout Platinum LifeEasy Credit Card

FEESWhat is the joining fee and annual fee for the Platinum LifeEasy Credit Card?
The Platinum LifeEasy Credit Card has a joining fee of ₹1,999 and an annual fee of ₹1,999 (plus applicable GST). However, you can get the second year annual fee waived if you spend ₹3,50,000 in the first year. Note that transactions made on Education, Insurance, Utilities, Rent Payments, Wallet Load, and several other categories do not count towards this spend milestone.
BENEFITSWhat welcome benefits do I get with the Platinum LifeEasy Credit Card?
Upon payment of the joining fee and spending ₹2,000 within 30 days of card issuance, you receive gift vouchers worth ₹2,000 as a welcome benefit. Please note that welcome rewards will not be given on First Year Free cards. This makes the card effectively free in the first year when you factor in the welcome vouchers against the joining fee.
REWARDSHow much cashback do I earn on fuel and Ola/Uber transactions?
You earn 10% cashback on both fuel purchases and Ola/Uber transactions. The cashback is capped at ₹200 per month for each category. Please note that the cashback is credited in the form of reward points, which can be redeemed at www.rblrewards.com. Effective October 15, 2024, certain transaction categories including Fuel & Auto may have modified eligibility terms as per updated product conditions.
REWARDSWhat cashback do I get on grocery spends?
You earn 5% cashback on grocery spends, capped at ₹200 per month. Like other cashback on this card, the grocery cashback is credited as reward points rather than direct cash to your account. You can redeem these reward points at www.rblrewards.com. This benefit can add up to ₹2,400 in value annually if the monthly cap is consistently reached.
USAGEHow do I redeem the cashback earned on the Platinum LifeEasy Credit Card?
Cashback earned through this card is credited in the form of reward points, not as direct cash. You can redeem your accumulated reward points by visiting www.rblrewards.com. Make sure to log in with your card credentials to access the rewards portal and choose from available redemption options. Keep in mind that each cashback category (fuel, Ola/Uber, grocery) is capped at ₹200 per month.
BENEFITSHow does the fuel surcharge waiver work on this card?
The Platinum LifeEasy Credit Card offers a fuel surcharge waiver of up to ₹150 per month. The waiver is applicable on fuel transactions with a minimum transaction value of ₹500 and a maximum of ₹4,000. This benefit can save you up to ₹1,800 annually. The surcharge waiver applies at fuel stations across India, giving you the freedom to fill up without bearing extra charges.
BENEFITSDo I get complimentary airport lounge access with this card?
Yes, the Platinum LifeEasy Credit Card provides 1 free domestic lounge visit per quarter, totalling 4 complimentary visits per year at major airports across India. The lounge program is offered by Mastercard. However, to unlock lounge access for a quarter, you must have made spends of ₹35,000 or more (excluding rental spends) in the preceding calendar quarter. Check the RBL Bank website for the list of eligible lounges.
BENEFITSWhat is the BookMyShow offer available on the Platinum LifeEasy Credit Card?
The Platinum LifeEasy Credit Card offers a 1+1 movie ticket deal on BookMyShow once every month, with a discount value of up to ₹200. This means you can buy one movie ticket and get another one free. Over the course of a year, this benefit can add up to approximately ₹2,400 in value. Terms and conditions apply, so check BookMyShow and RBL Bank's official pages for details.
REWARDSAre there any milestone vouchers or spend-based rewards on this card?
Yes, you can earn gift vouchers worth ₹1,000 upon crossing annual spends of ₹2,50,000 in a year. Additionally, spending ₹3,50,000 in the first year entitles you to a waiver of the second year annual fee worth ₹1,999. Please note that transactions in categories such as Education, Insurance, Utilities, Rent Payments, and Wallet Load do not count toward these milestone thresholds.
USAGEWhat is the Easy Cash feature on the Platinum LifeEasy Credit Card?
The Easy Cash feature allows you unlimited withdrawal of your available cash limit from all ATMs across India up to your billing date. A processing fee of 2.5% is applicable on each cash withdrawal, with a minimum fee of ₹500. For complete details and additional terms, you should refer to the Most Important Terms and Conditions (MITC) document available on the RBL Bank website.
OTHERWhich card network does the Platinum LifeEasy Credit Card operate on?
The Platinum LifeEasy Credit Card operates on the Mastercard network. This means it is accepted at millions of merchant locations and ATMs globally wherever Mastercard is accepted. The lounge access program is also facilitated through Mastercard. Being on the Mastercard network ensures wide acceptance across both online and offline platforms in India and internationally.
REWARDSWhich spending categories are NOT eligible for reward points on this card?
Effective October 15, 2024, transactions in the following categories are not eligible for reward points: Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2Pay, EMI, Miscellaneous, and Cash. Always verify the MCC (Merchant Category Code) of a transaction against the updated VISA and Mastercard guidelines to confirm eligibility.
FEESHow can I get the annual fee waived on my Platinum LifeEasy Credit Card?
The second year annual fee of ₹1,999 can be waived if you spend ₹3,50,000 in the first year of card membership. Note that transactions made in excluded categories such as Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel & Auto, Quasi-Cash, Railways, Real Estate, Government Services, and several others will not be counted toward this spend threshold. Plan your eligible spends accordingly to qualify for the fee waiver.
BENEFITSWhat is the total estimated annual benefit value of the Platinum LifeEasy Credit Card?
The Platinum LifeEasy Credit Card offers total annual benefits exceeding ₹20,000, including: ₹2,000 welcome gift vouchers, ₹2,000 annual fee waiver (spend-based), ₹2,400 from 10% cashback on Ola/Uber/Fuel, ₹2,400 from 5% cashback on grocery, ₹1,000 milestone voucher, ₹1,800 from fuel surcharge waiver, ₹6,000 worth of complimentary domestic lounge access (4 visits), and ₹2,400 from the BookMyShow 1+1 monthly movie offer.
INTERNATIONALCan I use the Platinum LifeEasy Credit Card for international transactions?
The Platinum LifeEasy Credit Card operates on the Mastercard network, which is accepted internationally. However, the card data indicates that the forex markup rate is not specifically disclosed on the product page. It is advisable to contact RBL Bank directly or refer to the Schedule of Charges on the official website for information on foreign currency transaction fees before using the card abroad. Most cashback and domestic benefits apply to India-based transactions only.

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