Question 1

What is the annual membership fee for the RBL Bank Platinum Maxima Credit Card?

Accepted Answer

The RBL Bank Platinum Maxima Credit Card comes with an annual membership fee of INR 2,000 plus applicable GST. This fee applies both as a joining fee and as an annual renewal fee. The fee must be paid by the payment due date to unlock the welcome benefit of 8,000 bonus reward points.

Question 2

What welcome benefits do I get with the Platinum Maxima Credit Card?

Accepted Answer

You receive 8,000 bonus reward points as a welcome benefit. To avail this, you need to complete two steps: Step 1 – Swipe and use your card within 30 days of card issuance, and Step 2 – Pay the annual membership fee by the payment due date. The welcome benefit reward points will be credited to your account within 60 days from the date of card issuance.

Question 3

How many reward points do I earn on dining, grocery, entertainment, and international purchases?

Accepted Answer

You earn 10 reward points for every INR 100 spent on Dining, Grocery, Entertainment, and International purchases. This is effectively a 10x rewards rate on these accelerated categories. However, the maximum reward points you can earn per month under these accelerated categories is capped at 1,000 reward points. For all other purchases, you earn 2 reward points per INR 100 spent.

Question 4

What are the milestone benefits on the Platinum Maxima Credit Card?

Accepted Answer

The card offers two milestone benefits annually. If you make purchases of INR 2.5 lakhs or more in a year, you earn 10,000 bonus reward points. If your purchases reach INR 4 lakhs or more in a year, you get an additional 10,000 bonus reward points, bringing the total milestone benefit to up to 20,000 reward points per year. These points are credited within 45 days of crossing the respective milestone. Certain purchase categories are excluded from milestone calculations.

Question 5

How do I avail the complimentary movie ticket benefit at BookMyShow?

Accepted Answer

You get one complimentary movie ticket (up to INR 100) every month on the purchase of 2 or more tickets at BookMyShow. To avail this offer, you need to select the RBL Bank 'Buy 1 Get 1' offer under the Offers/Discounts section on the BookMyShow website or mobile app. This benefit is available every month, making it a recurring perk for movie enthusiasts.

Question 6

How can I access airport lounges with the Platinum Maxima Credit Card?

Accepted Answer

Primary cardmembers are eligible for 1 complimentary airport lounge access within India per quarter. However, to qualify, you must have spent INR 35,000 or more in the previous calendar quarter. Purchases in select categories such as fuel, utilities, insurance, railways, and others are excluded from this spend calculation. Please refer to the product terms and conditions for the complete list of eligible lounges across India.

Question 7

Is there a fee for redeeming reward points on the Platinum Maxima Credit Card?

Accepted Answer

Yes, a reward redemption fee of INR 99 plus GST is applicable each time you redeem your available reward points. This fee is levied once per redemption day, meaning if you make multiple redemptions on the same day, the fee is charged only once. You can redeem your reward points by visiting www.rblrewards.com. Make sure to factor in this fee when planning your redemptions.

Question 8

How do I redeem my reward points earned on the Platinum Maxima Credit Card?

Accepted Answer

You can redeem your reward points by visiting the RBL Bank rewards portal at www.rblrewards.com. For detailed terms and conditions on redemption, you can visit www.rblrewards.com/tnc. Reward points earned in a given month are credited to your account within 45 days from the purchase settlement date. A redemption fee of INR 99 plus GST is applicable per redemption day.

Question 9

Which purchase categories are excluded from earning reward points, milestone benefits, and lounge access?

Accepted Answer

Several categories are excluded from reward points, milestone benefits, and lounge access eligibility. These include: Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, and EMI conversion of retail transactions (including Split-N-Pay and EMI conversion at POS/Web/Mobile App). Please refer to the complete Product Terms and Conditions for a full list of exclusions.

Question 10

When are reward points credited to my account?

Accepted Answer

Reward points earned in a given month are credited to your account within 45 days from the purchase settlement date. Welcome benefit reward points of 8,000 are credited within 60 days from the date of card issuance, provided you have used the card within 30 days and paid the annual membership fee. Milestone benefit reward points are also credited within 45 days from the date of crossing the corresponding milestone.

Question 11

Can I use the Platinum Maxima Credit Card for international transactions?

Accepted Answer

Yes, the Platinum Maxima Credit Card can be used for international purchases. In fact, international spending is one of the accelerated reward categories, earning you 10 reward points for every INR 100 spent abroad. However, the accelerated reward points across all eligible categories are capped at 1,000 points per month. Please note that specific forex markup charges may apply on international transactions; refer to the Schedule of Charges for details.

Question 12

How do I apply for the RBL Bank Platinum Maxima Credit Card?

Accepted Answer

You can easily apply for the RBL Bank Platinum Maxima Credit Card online through the RBL Bank official website. The application process is straightforward and can be completed digitally. You will need to provide standard KYC documents such as identity proof, address proof, and income proof. Once your application is reviewed and approved, the card will be issued and dispatched to your registered address.

Question 13

What documents are typically required to apply for the Platinum Maxima Credit Card?

Accepted Answer

While the page does not list specific documents, standard credit card applications in India typically require: a valid government-issued photo ID (Aadhaar, PAN card, passport), address proof (utility bill, Aadhaar, or passport), recent passport-sized photographs, and income proof (latest salary slips, Form 16, or IT returns for self-employed applicants). PAN card is mandatory for all credit card applications as per RBI guidelines. Contact RBL Bank directly for the exact document requirements.

Question 14

How can I cancel or close my Platinum Maxima Credit Card?

Accepted Answer

To cancel or close your RBL Bank Platinum Maxima Credit Card, you can contact RBL Bank's customer service through the official helpline or visit your nearest RBL Bank branch. You may also raise a request online via the RBL Bank website under 'Raise a Query/Request/Complaint'. Before cancellation, ensure all outstanding dues are cleared and any remaining reward points are redeemed, as they may lapse upon card closure.

Question 15

What is the base reward rate on regular purchases with the Platinum Maxima Credit Card?

Accepted Answer

For all purchases that do not fall under the accelerated categories (Dining, Grocery, Entertainment, and International), you earn 2 reward points for every INR 100 spent. This base reward rate applies to everyday purchases like shopping, travel bookings, and other general spending. Note that purchases in excluded categories such as fuel, utilities, insurance, railways, government services, and EMI conversions are not eligible for reward points.

Joining Fee

Annual Fee

Platinum Maxima Credit Card

Rewards Structure

Pros

Cons

Hidden Catches (Transparency Policy)

Key Benefits & Features

Notable Exclusions

About Platinum Maxima Credit Card

Our Verdict

Frequently Asked QuestionsAbout Platinum Maxima Credit Card

Related Lifestyle Cards

811 Dream Different Credit Card

ACE Credit Card

Adani One Platinum

More from RBL Bank

Apex Credit Card

Aspire Banking Credit Card

Binge Credit Card