Joining Fee

₹999

Annual Fee

Rs. 999 + Taxes

RBL Bank

Rewards

Lifestyle

Shopping

Best For: Movie enthusiasts, Frequent diners, Everyday shoppers seeking rewards on groceries, electronics, fashion

Platinum Max Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,000 /monthly

Pros

Welcome benefit of 4,000 Reward Points worth up to INR 1,000
Free monthly movie ticket on BookMyShow (1+1)
5% effective discount on Wednesday dining spends
Fuel surcharge waiver up to INR 100/month
Low annual fee of INR 999
2 Reward Points per INR 100 on all eligible spends

Cons

No welcome rewards for First Year Free cards
Reward redemption fee of INR 99 + GST per redemption day
Dining bonus capped at 1,000 reward points per month
Movie offer limited to Wednesdays only

Hidden Catches (Transparency Policy)

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

No reward points on Education, Insurance, Utilities, Rent Payments, Wallet Load (effective Nov 13, 2023)

No reward points on Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash (effective Oct 15, 2024)

Value of 1 Reward Point varies from INR 0.11 to INR 0.25 depending on redemption category

Key Benefits & Features

Easy Cash: Unlimited ATM cash withdrawal up to available cash limit in India; processing fee 2.5% (min INR 500)

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/Real Estate 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.

Official Terms & Conditions

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Platinum Max Credit Card

The RBL Bank Platinum Max Credit Card is designed for individuals who love to shop, dine, travel, and enjoy entertainment while maximizing savings on everyday spending. Whether you are filling up your fuel tank, buying groceries, exploring electronics, or indulging in fashion, this card rewards you at every step with a compelling blend of instant benefits and milestone rewards. New cardmembers receive 4,000 welcome Reward Points upon payment of the annual fee and spending INR 2,000 within the first 30 days. The card offers 2 Reward Points for every INR 100 spent on eligible categories, along with 10X Reward Points on dining spends every Wednesday, effectively delivering a 5% discount on dining. Movie lovers can enjoy a buy-one-get-one free ticket on BookMyShow every Wednesday, valued at up to INR 200 per month. Additionally, cardholders benefit from a fuel surcharge waiver of up to INR 100 per month on transactions between INR 500 and INR 4,000. Beyond rewards, the card includes convenient features like EMI financing for large purchases and unlimited cash withdrawals up to your available limit from ATMs across India. With estimated annual benefits exceeding INR 6,975, the Platinum Max Credit Card carries a joining and annual fee of INR 999, making it a strong value proposition for active lifestyle spenders.

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