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

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 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.

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