MyFinCards
Platinum Plus Credit Card

Joining Fee

₹999

Annual Fee

Rs. 999 (Reversed on annual spends of Rs. 1 Lakhs)

RBL Bank
Rewards
Lifestyle
Fuel
Shopping
Best For: Online shoppers, Movie enthusiasts, Regular fuel users, Budget-conscious lifestyle spenders

Platinum Plus Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,000 /monthly

Pros

  • Low annual fee of INR 999 with waiver option
  • 2X reward points on online spends
  • Monthly fuel surcharge waiver
  • Monthly BookMyShow 1+1 movie ticket offer
  • Complimentary domestic airport lounge access (2/year)
  • Annual benefits worth INR 9,499+

Cons

  • Lounge access discontinued from July 01, 2025
  • Online reward points capped at 1,000 points per month
  • No reward points on fuel, insurance, utilities, rent, education, wallet load and several other categories
  • Reward redemption fee of INR 99 + GST per redemption day

Hidden Catches (Transparency Policy)

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

2X online rewards capped at 1,000 Reward Points per month

Lounge access requires INR 15,000 spend (excluding rental) in preceding calendar quarter

No welcome rewards for First Year Free cards

Reward point value varies from INR 0.11 to INR 0.25 depending on redemption category

Lounge benefits discontinued W.E.F July 01, 2025

Reward redemption fee of INR 99 + GST applicable per redemption day

Key Benefits & Features

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

Notable Exclusions

No reward points on Education transactionsNo reward points on Insurance transactionsNo reward points on Utility transactionsNo reward points on Rent/Rental paymentsNo reward points on Fuel transactionsNo reward points on Wallet Load transactionsNo reward points on Quasi-Cash transactionsNo reward points on Railways transactionsNo reward points on Government Services transactionsNo reward points on Contracted Services transactionsNo reward points on Cash transactionsNo reward points on Miscellaneous (Misc) transactionsNo reward points on Auto transactionsNo reward points on Real Estate transactionsNo reward points on Service Providers 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 Plus Credit Card

The RBL Bank Platinum Plus Credit Card is a versatile Mastercard designed to function as four cards in one, offering a comprehensive blend of rewards, lifestyle, fuel, and shopping benefits. With an annual fee of INR 999, the card delivers annual benefits worth INR 9,499 or more, making it an excellent choice for budget-conscious spenders looking to maximise value across everyday purchases. New cardmembers receive 4,000 welcome reward points upon paying the joining fee and spending INR 2,000 within the first 30 days. The card rewards all spends with 1 Reward Point for every INR 100 spent, while online purchases earn double points, capped at 1,000 reward points per cycle. Movie lovers benefit from a 1+1 BookMyShow offer on weekday movie tickets, valid once a month. Fuel users enjoy a monthly surcharge waiver of up to INR 100, applicable on transactions between INR 500 and INR 4,000. Additional perks include 2 complimentary domestic airport lounge visits per year, subject to quarterly spend thresholds. Cardmembers who spend INR 1,00,000 in a year also receive a full waiver on the following year's annual fee. The Easy Cash feature allows unlimited ATM withdrawals within the available cash limit, adding a further layer of financial flexibility for everyday needs.

Expert Review

Our Verdict

Versatile rewards card with movie offers, fuel waiver & lounge access for just ₹999/year.

Frequently Asked QuestionsAbout Platinum Plus Credit Card

FEESWhat is the annual fee for the RBL Platinum Plus Credit Card?
The RBL Platinum Plus Credit Card has an annual fee of ₹999 plus applicable GST. However, you can get the second year's annual fee of ₹999 waived if you spend ₹1,00,000 or more in a year. This makes it a cost-effective card for moderate spenders who can meet the annual spend threshold.
FEESWhat is the joining fee for the Platinum Plus Credit Card?
The joining fee for the RBL Platinum Plus Credit Card is ₹999 plus applicable GST. Upon paying the joining fee and spending ₹2,000 within 30 days of card issuance, you will receive 4,000 bonus reward points as a welcome gift. Please note that welcome rewards are not applicable for First Year Free cards.
REWARDSHow do I earn reward points on the Platinum Plus Credit Card?
You earn 1 Reward Point for every ₹100 spent on regular purchases. For online spends, you earn 2X Reward Points (i.e., 2 points per ₹100), subject to a maximum cap of 1,000 reward points per month on online transactions. Note that transactions on fuel, insurance, utilities, rent, education, wallet load, and several other categories do not earn reward points.
REWARDSWhat is the value of reward points earned on the Platinum Plus Credit Card?
The value of 1 Reward Point varies between ₹0.11 and ₹0.25 depending on the redemption category on www.rblrewards.com. For estimation purposes, RBL Bank uses a value of ₹0.25 per reward point in its benefit calculations. A reward redemption fee of ₹99 + GST is applicable per redemption day, regardless of the number of redemptions made on that day.
REWARDSIs there a fee to redeem reward points on the Platinum Plus Credit Card?
Yes, a reward redemption fee of ₹99 + GST is applicable when redeeming reward points earned on your RBL Bank Platinum Plus Credit Card. This fee is charged once per redemption day, meaning if you make multiple redemptions on the same day, the fee is levied only once. You can redeem your points at www.rblrewards.com.
BENEFITSWhat is the BookMyShow movie offer on the Platinum Plus Credit Card?
The Platinum Plus Credit Card offers a 1+1 (buy one get one) movie ticket offer on BookMyShow on any one day of the month. The complimentary ticket is valued up to ₹200 and is valid only on Monday to Friday. To avail the offer, apply the discount under the offers/discounts section on the BookMyShow checkout page and enter your card details. This offer cannot be clubbed with any other offer.
BENEFITSDoes the Platinum Plus Credit Card offer airport lounge access?
The Platinum Plus Credit Card previously offered 2 complimentary domestic airport lounge visits per year, with a maximum of 1 visit per quarter. To unlock lounge access for a quarter, cardmembers needed to spend ₹15,000 or more (excluding rental spends) in the preceding calendar quarter. However, please note that effective July 01, 2025, RBL Bank has discontinued the lounge access benefit for this card.
BENEFITSWhat is the fuel surcharge waiver benefit on the Platinum Plus Credit Card?
The Platinum Plus Credit Card offers a fuel surcharge waiver of up to ₹100 per month. The waiver is applicable on fuel transactions of a minimum of ₹500 and a maximum of ₹4,000. This benefit allows you to fill up your vehicle's tank at any fuel station across India without paying the extra surcharge, saving you up to ₹1,200 per year.
REWARDSWhat categories of transactions do NOT earn reward points on the Platinum Plus Credit Card?
Transactions in the following categories do not earn reward points: Fuel, Insurance, Utilities, Rent Payments, Education, and Wallet Load. Additionally, effective October 15, 2024, transactions in Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2Pay, EMI, Miscellaneous, and Cash categories are also not eligible for reward points on this card.
BENEFITSWhat are the total annual benefits worth on the Platinum Plus Credit Card?
The Platinum Plus Credit Card offers annual benefits worth ₹9,499 or more. This includes the welcome gift of 4,000 reward points (worth ₹1,000), annual fee waiver worth ₹999, regular spend reward points worth ₹300, 2X online spend reward points worth ₹600, complimentary domestic lounge access worth ₹3,000, BookMyShow 1+1 movie offers worth ₹2,400, and fuel surcharge waivers worth ₹1,200 — all against an annual fee of just ₹999.
USAGEWhat is the cash withdrawal facility available on the Platinum Plus Credit Card?
The Platinum Plus Credit Card offers an Easy Cash feature that allows unlimited cash withdrawals from any ATM in India up to your available cash limit, 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) for complete details on this feature.
INTERNATIONALCan I use the RBL Platinum Plus Credit Card for international transactions?
The RBL Platinum Plus Credit Card is a Mastercard and can technically be used internationally wherever Mastercard is accepted. However, specific forex markup charges for this card are not publicly listed. It is advisable to contact RBL Bank directly or check the Schedule of Charges before using the card for international or foreign currency transactions to understand applicable fees.
FEESHow do I get the annual fee waived on the Platinum Plus Credit Card?
To get the annual fee of ₹999 waived for the second year, you need to spend ₹1,00,000 or more in a year on your Platinum Plus Credit Card. Once this milestone is achieved, the next year's annual fee will be automatically reversed. This is a spend-based waiver, so make sure to track your annual expenditure to qualify for the benefit.
APPLICATIONHow do I apply for the RBL Platinum Plus Credit Card?
You can apply for the RBL Platinum Plus Credit Card through RBL Bank's official website at www.rbl.bank. The application can be submitted online by filling in your personal and financial details. You may also visit the nearest RBL Bank branch for an in-person application. Ensure you meet the eligibility criteria and have the necessary documents ready, such as identity proof, address proof, and income documents.
BENEFITSWhat welcome benefits do I get on the Platinum Plus Credit Card?
As a welcome benefit, you receive 4,000 Reward Points upon payment of the joining fee and completing spends of ₹2,000 within 30 days of card issuance. These reward points are valued at up to ₹1,000 (at ₹0.25 per point). Please note that welcome reward points are not applicable for First Year Free card variants. The joining bonus is credited after fulfilling both the fee payment and spend conditions.

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