Platinum Plus Credit Card

Joining Fee

₹999

Annual Fee

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

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.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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