MyFinCards
Platinum Maxima Plus Credit Card

Joining Fee

₹2,500

Annual Fee

Rs. 2500 + Taxes

RBL Bank
Rewards
Lifestyle
Travel
Best For: Frequent diners, Movie enthusiasts, Domestic travelers, Shoppers targeting milestone rewards

Platinum Maxima Plus Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,000 /monthly

Pros

  • 10,000 welcome reward points
  • 5x reward points on dining, entertainment, grocery and international spends
  • Free movie ticket every month via BookMyShow Buy 1 Get 1 offer
  • Complimentary domestic airport lounge access
  • Milestone rewards up to 30,000 extra points annually

Cons

  • Annual fee of INR 2,500 + GST
  • Reward redemption fee of INR 99 + GST
  • 5x rewards capped at 1,000 points per month
  • Lounge access requires INR 35,000 spend in previous quarter

Hidden Catches (Transparency Policy)

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

5x reward points capped at 1,000 points per month across all accelerated categories combined

Lounge access only available if INR 35,000 spent in previous calendar quarter

Welcome benefit requires card usage within 30 days and payment of annual fee by due date

Reward points credited within 45 days from purchase settlement date

Key Benefits & Features

Detailed benefits inside

Notable Exclusions

No reward points, milestone benefits or lounge benefits on Fuel purchasesNo reward points, milestone benefits or lounge benefits on UtilitiesNo reward points, milestone benefits or lounge benefits on Insurance paymentsNo reward points, milestone benefits or lounge benefits on Quasi-Cash transactionsNo reward points, milestone benefits or lounge benefits on RailwaysNo reward points, milestone benefits or lounge benefits on Real Estate/RentalNo reward points, milestone benefits or lounge benefits on Education paymentsNo reward points, milestone benefits or lounge benefits on Wallet/Service ProvidersNo reward points, milestone benefits or lounge benefits on Government ServicesNo reward points, milestone benefits or lounge benefits on Contracted ServicesNo reward points, milestone benefits or lounge benefits on Cash transactionsNo reward points, milestone benefits or lounge benefits on Miscellaneous transactionsNo reward points, milestone benefits or lounge benefits on Bills2PayNo reward points, milestone benefits or lounge benefits on EMI conversion of retail transactions including Split-N-Pay and EMI conversion at POS/Web/Mobile App

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Platinum Maxima Plus Credit Card

The RBL Bank Platinum Maxima Plus Credit Card is a feature-rich rewards card designed for those who want to maximize value from everyday spending. With an annual membership fee of INR 2,500, cardholders begin their journey with a generous welcome benefit of 10,000 reward points, earned by simply using the card within 30 days of issuance and paying the annual fee on time. Everyday spending earns 2 reward points per INR 100, while dining, entertainment, grocery, and international purchases earn an accelerated 10 reward points per INR 100, offering five times the standard earning rate. The card also rewards consistent spenders through milestone benefits, with up to 30,000 additional reward points unlocked at annual spending thresholds of INR 2 lakh, INR 3.5 lakh, and INR 5 lakh respectively. Points can be redeemed for flight bookings, hotel stays, and select e-vouchers through the dedicated rewards portal. Beyond rewards, the card delivers meaningful lifestyle perks. Movie lovers enjoy one complimentary BookMyShow ticket every month on the purchase of two or more tickets. Frequent domestic travelers benefit from two complimentary airport lounge accesses per quarter, provided they spend INR 35,000 or more in the previous calendar quarter. Together, these benefits can deliver over INR 20,000 in annual value, making this card an ideal companion for diners, entertainment seekers, and milestone-driven shoppers.

Expert Review

Our Verdict

Earn up to 10x reward points on dining & entertainment with free movie tickets and lounge access.

Frequently Asked QuestionsAbout Platinum Maxima Plus Credit Card

FEESWhat is the annual membership fee for the RBL Bank Platinum Maxima Plus Credit Card?
The RBL Bank Platinum Maxima Plus Credit Card comes with an annual membership fee of INR 2,500 + GST. This fee applies both as a joining fee and as a recurring annual fee. To avail the welcome benefit of 10,000 reward points, you must pay the annual membership fee by the payment due date after activating your card.
BENEFITSWhat welcome benefit do I get with the Platinum Maxima Plus Credit Card?
You receive 10,000 Reward Points as a welcome benefit when you get the Platinum Maxima Plus Credit Card. To avail this benefit, 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.
REWARDSHow many reward points do I earn on regular and accelerated spend categories?
You earn 2 reward points for every INR 100 spent on regular purchases. For dining, entertainment, grocery, and international purchases, you earn 5x reward points, which means 10 reward points for every INR 100 spent. However, the 5x accelerated reward points are capped at a maximum of 1,000 reward points per month. Reward points earned in a given month are credited within 45 days from the purchase settlement date.
REWARDSWhat are the milestone benefits on the Platinum Maxima Plus Credit Card?
The card offers tiered milestone benefits based on your annual spending: you earn 10,000 bonus reward points when you spend INR 2 lakhs or more in a year, an additional 10,000 points on spending INR 3.5 lakhs or more, and another 10,000 points on reaching INR 5 lakhs in annual spending. This means you can earn up to 30,000 extra reward points annually through milestone benefits. Points are credited within 45 days of crossing each milestone.
BENEFITSHow does the free movie ticket offer work on the Platinum Maxima Plus Credit Card?
The card offers one complimentary movie ticket (up to INR 200) every month via a Buy 1 Get 1 offer on BookMyShow. To avail this benefit, you need to purchase 2 or more movie tickets on BookMyShow and select the 'RBL Bank Buy 1 Get 1 Offer' under the Offers/Discounts section on the BookMyShow website or mobile app. This offer is available every month, providing annual savings of up to INR 2,400.
BENEFITSHow can I access domestic airport lounges with this credit card?
Primary cardmembers are eligible for 2 complimentary domestic airport lounge accesses per quarter, provided they have spent INR 35,000 or more in the previous calendar quarter. Please note that spends on select categories such as fuel, utilities, insurance, railways, education, and government services, among others, are excluded from the qualifying spend calculation. Lounge access is available across India; you can visit the RBL Bank website for a complete list of eligible lounges.
FEESIs there a reward redemption fee applicable on the Platinum Maxima Plus Credit Card?
Yes, a reward redemption fee of INR 99 + GST is applicable each time you redeem your reward points. This fee is levied one time per day for all redemptions made on that day, regardless of the number of redemption transactions. You can redeem your reward points for flight bookings, hotel stays, and select e-vouchers by visiting the RBL Bank rewards portal at www.rblrewards.com.
USAGEWhich spending categories are excluded from earning reward points, milestone benefits, and lounge access?
Several categories are excluded from earning reward points, milestone benefits, and qualifying for lounge access. These include: fuel, utilities, insurance, quasi-cash transactions, railways, real estate/rental, education, wallet/service providers, government services, contracted services, cash transactions, miscellaneous charges, Bills2Pay, and EMI conversions of retail transactions (including Split-N-Pay and EMI conversion requests at POS, web, or mobile app). It is advisable to refer to the Product T&C for a complete list of exclusions.
USAGEHow can I redeem my reward points earned on the Platinum Maxima Plus Credit Card?
You can redeem your reward points for a variety of options including air travel bookings, hotel stays, and select e-vouchers through RBL Bank's exclusive rewards program. Visit www.rblrewards.com to explore all available redemption options and get in-depth insights into the rewards program. You can also redeem your points via the RBL MyCard mobile app or through the online card account portal. A redemption fee of INR 99 + GST applies per day of redemption.
BENEFITSWhat is the total potential value of benefits I can earn annually with this card?
Based on RBL Bank's own calculation, the total annual benefits from the Platinum Maxima Plus Credit Card can exceed INR 20,000. This includes the value of reward points redeemable against flight bookings, hotel stays, and e-vouchers (up to INR 16,900), the Buy 1 Get 1 movie ticket offer on BookMyShow (up to INR 2,400 annually), and domestic airport lounge access twice per quarter (valued at approximately INR 3,200). Welcome benefit and milestone rewards can further add significant value.
APPLICATIONHow do I apply for the RBL Bank Platinum Maxima Plus Credit Card?
You can apply for the RBL Bank Platinum Maxima Plus Credit Card online by visiting the official RBL Bank website and clicking the 'Apply Now' button on the Platinum Maxima Plus Credit Card page. The application process is entirely online, making it quick and convenient. You will need to provide your personal and financial details as part of the application. Ensure you meet the eligibility criteria before applying to improve your chances of approval.
DOCUMENTSWhat documents are typically required to apply for the Platinum Maxima Plus Credit Card?
While the page does not specify exact documents, standard documents required for an RBL Bank credit card application typically include: a valid identity proof (Aadhaar card, PAN card, or passport), address proof (utility bill, Aadhaar, or passport), recent passport-sized photographs, and income proof such as the latest salary slips or bank statements for salaried individuals, or ITR and financial statements for self-employed applicants. PAN card is mandatory for all credit card applications in India. Please confirm the exact document list with RBL Bank at the time of application.
INTERNATIONALCan I use the Platinum Maxima Plus Credit Card for international transactions?
Yes, the Platinum Maxima Plus Credit Card can be used for international purchases. In fact, international spends are one of the accelerated reward categories, earning you 5x reward points (10 points per INR 100 spent), subject to a cap of 1,000 bonus points per month. However, foreign currency transactions may attract a forex markup fee. Please check the Schedule of Charges on the RBL Bank website for the applicable forex markup percentage before using the card abroad.
CANCELLATIONHow do I cancel or close my Platinum Maxima Plus Credit Card?
To cancel or close your RBL Bank Platinum Maxima Plus Credit Card, you can contact RBL Bank's customer service through the 'Contact Us' or 'Raise a Query/Request/Complaint' section on the RBL Bank website. You may also call the RBL Bank customer care helpline or visit your nearest branch. Before cancellation, it is advisable to redeem any outstanding reward points, clear all dues, and cancel any standing instructions or recurring payments linked to the card.
REWARDSWhen will the reward points from regular and accelerated spends be credited to my account?
Reward points earned on regular and 5x accelerated category spends (dining, entertainment, grocery, and international purchases) in a given month will be credited to your account within 45 days from the purchase settlement date. Milestone benefit reward points are also credited within 45 days from the date you cross the corresponding milestone spend threshold. Welcome benefit reward points are credited within 60 days from the date of card issuance, after completing the required steps.

Related Rewards Cards

Explore other premium credit cards that offer similar benefits and rewards.

View all Rewards cards
811 Dream Different Credit Card
RewardsCashbackFuel

811 Dream Different Credit Card

Interest-free cash withdrawal up to 48 days; cash withdrawal up to 90% of total credit limit; Rs. 100 processing fee per ATM withdrawal

Credit limit up to 90% of fixed deposit amount; credit limit known upfront at time of application

Joining Fee
N/A
Annual Fee
Rs. 0 + Taxes
ACE Credit Card
Rewards

ACE Credit Card

Detailed benefits inside

Joining Fee
₹499
Annual Fee
₹499
Adani One Platinum
TravelLifestyleRewardsFuel

Adani One Platinum

2 instances of Valet Parking annually at Adani-managed airports

2 instances of Premium car parking on card activation

Joining Fee
₹750
Annual Fee
₹750

More from RBL Bank

Discover the full range of credit cards offered by RBL Bank to find the perfect fit for your finances.

View all RBL Bank cards
Apex Credit Card
CashbackLifestyleTravel

Apex Credit Card

Welcome vouchers worth over INR 1,700 on first transaction within 30 days and paying membership fee in first billing cycle

Joining Fee
₹1,000
Annual Fee
₹1,000
Aspire Banking Credit Card
CashbackLifestyleTravel

Aspire Banking Credit Card

Detailed benefits inside

Joining Fee
N/A
Annual Fee
₹1,500
Binge Credit Card
RewardsLifestyleShopping

Binge Credit Card

Easy Cash: Unlimited ATM cash withdrawal up to available cash limit till billing date. Processing fee 2.5% (min INR 500).

12 Reward Points per INR 100 on all online spends (max 800 Reward Points per month), excluding online purchases as specified.

Joining Fee
₹999
Annual Fee
₹999