Platinum LifeEasy Credit Card

Joining Fee

₹1,999

Annual Fee

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

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.

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

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.

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