MyFinCards
Platinum Max Credit Card

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

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.

Expert Review

Our Verdict

Lifestyle rewards card with movie perks, dining discounts, fuel waiver & 4000 welcome points for INR 999/year.

Frequently Asked QuestionsAbout Platinum Max Credit Card

FEESWhat is the joining fee and annual fee for the Platinum Max Credit Card?
The Platinum Max Credit Card has a joining fee of ₹999 and an annual fee of ₹999 (plus applicable service tax/GST). This makes it a relatively affordable premium card with strong benefits that can easily offset the annual cost through rewards, movie offers, and other savings throughout the year.
BENEFITSWhat welcome benefit do I get on the Platinum Max Credit Card?
You receive 4,000 Reward Points as a welcome benefit upon payment of the annual fee and making spends of ₹2,000 within 30 days of card issuance. These 4,000 points are worth up to ₹1,000. Please note that no welcome rewards will be given to First Year Free cards.
BENEFITSHow does the free movie ticket offer work on the Platinum Max Credit Card?
Platinum Max Credit Card holders get a 1+1 free movie ticket (up to ₹200) on BookMyShow once a month, but only on Wednesdays. To avail the offer, go to the offers/discounts section on the BookMyShow checkout page, and enter your card details and expiry date. This offer cannot be clubbed with any other offer on BookMyShow.
REWARDSHow many Reward Points do I earn on everyday spends with this card?
You earn 2 Reward Points for every ₹100 spent on all eligible spends using the Platinum Max Credit Card. However, effective November 13, 2023, transactions on Education, Insurance, Utilities, Rent Payments, and Wallet Load categories do not earn reward points. Additionally, from October 15, 2024, Fuel & Auto, Quasi-Cash, Railways, Real Estate, and several other categories are also excluded.
REWARDSHow does the dining discount work on the Platinum Max Credit Card?
You earn 20 Reward Points for every ₹100 spent on dining on Wednesdays, which effectively translates to a 5% discount on your Wednesday dining spends. The maximum dining bonus is capped at 1,000 Reward Points per month. This makes Wednesdays the ideal day to dine out and maximize your savings with this card.
BENEFITSIs there a fuel surcharge waiver on the Platinum Max Credit Card?
Yes, the Platinum Max Credit Card offers a fuel surcharge waiver of up to ₹100 per month. The waiver is applicable on fuel transactions with a minimum spend of ₹500 and a maximum of ₹4,000 per transaction. This benefit can add up to ₹1,200 in annual savings, providing relief on your regular fuel expenses.
FEESWhat is the reward redemption fee for the Platinum Max Credit Card?
A reward redemption fee of ₹99 + GST is applicable each time you redeem your reward points. Importantly, this fee is levied only once per day, regardless of how many redemptions you make within that single day. You can redeem your points at www.rblrewards.com, where the value of 1 Reward Point ranges from ₹0.11 to ₹0.25 depending on the redemption category.
REWARDSWhat is the value of Reward Points earned on the Platinum Max Credit Card?
The value of 1 Reward Point varies from ₹0.11 to ₹0.25 depending on the redemption category you choose on www.rblrewards.com. For illustrative purposes, RBL Bank assumes a value of ₹0.25 per Reward Point in its benefits calculation. The total estimated annual benefit from this card can be over ₹6,975 based on typical spending patterns.
USAGECan I withdraw cash using the Platinum Max Credit Card?
Yes, the Platinum Max Credit Card offers an Easy Cash facility that allows unlimited withdrawal of your available cash limit from all ATMs in India up to your billing date. A processing fee of 2.5% is applicable on cash withdrawals, with a minimum fee of ₹500. Please refer to the Most Important Terms and Conditions (MITC) document for complete details.
REWARDSWhich spending categories are excluded from earning Reward Points?
Effective from various dates, several categories do not earn Reward Points: Education, Insurance, Utilities, Rent Payments, and Wallet Load (from November 13, 2023). Additionally, from October 15, 2024, Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous, and Cash transactions are also excluded from earning reward points.
BENEFITSWhat is the total estimated annual benefit I can get from the Platinum Max Credit Card?
Based on RBL Bank's calculations, the total estimated annual benefit is over ₹6,975. This includes: ₹1,000 from welcome reward points, ₹2,400 from monthly 1+1 BookMyShow movie tickets, ₹1,125 from base reward points (on ₹2,25,000 annual spend), ₹1,250 from 10X dining rewards (on ₹25,000 dining spend), and ₹1,200 from fuel surcharge waivers.
USAGEDoes the Platinum Max Credit Card support EMI purchases?
Yes, the Platinum Max Credit Card offers an EMI Finance feature that allows you to shop for durables, electronics, furniture, clothes & accessories, groceries, and much more, and convert your purchases into easy EMIs. This makes it convenient to manage large purchases by spreading the cost over manageable monthly instalments. Terms and conditions apply.
USAGEHow do I redeem my Reward Points earned on the Platinum Max Credit Card?
You can redeem your accumulated Reward Points by visiting www.rblrewards.com. The redemption portal offers various categories with point values ranging from ₹0.11 to ₹0.25 per point. You can also access redemption options through the RBL Bank website under Card Settings. A redemption fee of ₹99 + GST applies per redemption day, regardless of how many redemptions are made that day.
INTERNATIONALIs the Platinum Max Credit Card suitable for international usage?
The page content does not explicitly mention international or forex-specific benefits for the Platinum Max Credit Card. The card is primarily positioned around domestic lifestyle, shopping, dining, movies, and fuel benefits. For details about forex markup charges or international usage terms, it is recommended to refer to the Schedule of Charges or contact RBL Bank customer care directly before using the card abroad.
APPLICATIONHow can I apply for the Platinum Max Credit Card?
You can apply for the Platinum Max Credit Card through the RBL Bank official website by visiting the credit cards section and clicking on the apply option for the Platinum Max Credit Card. You may also visit your nearest RBL Bank branch to apply in person. Ensure you meet the eligibility criteria and keep relevant KYC documents handy, such as identity proof, address proof, and income documents, to complete your application smoothly.

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