MyFinCards
Platinum Prime Credit Card

Joining Fee

₹999

Annual Fee

Rs. 999 + Taxes

RBL Bank
Rewards
Lifestyle
Shopping
Best For: Movie lovers, Frequent diners, Shoppers across grocery, electronics, fashion

Platinum Prime Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Pros

  • Welcome benefit of 4,000 Reward Points worth up to INR 1,000
  • Free monthly movie ticket on BookMyShow
  • 5% effective discount on Wednesday dining spends
  • Fuel surcharge waiver up to INR 100/month
  • 10X rewards on dining on Wednesdays
  • Total annual benefit value of INR 6,300+

Cons

  • Annual fee of INR 999 plus service tax
  • Reward redemption fee of INR 99 + GST per redemption day
  • No welcome rewards for First Year Free cards

Hidden Catches (Transparency Policy)

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

Dining 10X rewards capped at 1,000 points per month

Movie ticket offer only valid on Wednesdays

No reward points on Education, Insurance, Utilities, Rent Payments, Wallet Load (effective Nov 13, 2023)

No reward points on Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash (effective Oct 15, 2024)

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

Key Benefits & Features

Easy Cash: Unlimited ATM cash withdrawal up to available cash limit in India up to billing date; processing fee 2.5% (min INR 500)

Notable Exclusions

No reward points on Fuel & Auto transactionsNo reward points on Utility transactionsNo reward points on Insurance transactionsNo reward points on Quasi-Cash transactionsNo reward points on Railways transactionsNo reward points on Rental/Real Estate transactionsNo reward points on Education transactionsNo reward points on Wallet Load transactionsNo reward points on Government Services transactionsNo reward points on Contracted Services transactionsNo reward points on Cash transactionsNo reward points on Miscellaneous 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 Prime Credit Card

The RBL Bank Platinum Prime Credit Card is designed for those who want the power of four cards in one, delivering rewards and savings across shopping, dining, and entertainment. Cardmembers receive 4,000 welcome Reward Points upon payment of the annual fee and spending INR 2,000 within the first 30 days of card issuance, providing an immediate head start on benefits worth up to INR 800. Everyday spends earn 2 Reward Points for every INR 100 spent, while dining enthusiasts enjoy 10X Reward Points on Wednesday dining transactions, effectively offering a 5% discount on restaurant spends up to 1,000 points per month. Movie lovers benefit from a complimentary 1+1 free movie ticket (up to INR 200) on BookMyShow every Wednesday, translating to annual savings of approximately INR 2,400. Fuel users also gain from a monthly surcharge waiver of up to INR 100 on transactions between INR 500 and INR 4,000. Additional features include flexible EMI options for purchases across electronics, furniture, groceries, and more, along with unlimited ATM cash withdrawals up to the available cash limit. With total estimated annual benefits exceeding INR 6,300, this card is ideal for movie lovers, frequent diners, and shoppers seeking meaningful rewards on their everyday lifestyle spending. The joining and annual fee is INR 999.

Expert Review

Our Verdict

Lifestyle card with movie, dining & fuel perks plus 4,000 welcome reward points on annual fee payment.

Frequently Asked QuestionsAbout Platinum Prime Credit Card

FEESWhat is the joining fee and annual fee for the Platinum Prime Credit Card?
The Platinum Prime Credit Card has a joining fee of ₹999 (plus applicable service tax) and an annual fee of ₹999 (plus applicable service tax). Upon payment of the annual fee and spending ₹2,000 within 30 days of card issuance, you receive 4,000 welcome Reward Points. Please note that no welcome rewards are provided for First Year Free cards.
BENEFITSWhat welcome benefits do I get with the Platinum Prime Credit Card?
You receive 4,000 Reward Points as a welcome benefit upon payment of the annual fee and spending ₹2,000 within 30 days of card issuance. These 4,000 Reward Points are worth up to ₹1,000 (assuming 1 Reward Point = ₹0.25). Please note that no welcome rewards will be given to First Year Free cards.
BENEFITSHow does the free movie ticket offer on BookMyShow work?
Platinum Prime Credit Cardmembers can avail a 1+1 free movie ticket (up to ₹200) on BookMyShow once a month, valid on any Wednesday. To avail this offer, go to the offers/discounts section on the BookMyShow checkout page, and enter your card details and expiry date. This offer cannot be clubbed with any other offer on BookMyShow.
REWARDSHow many Reward Points do I earn on regular spends and dining?
You earn 2 Reward Points for every ₹100 spent on regular eligible purchases. On Wednesday dining spends, you earn 10X Reward Points — that is 20 Reward Points per ₹100 spent — which effectively gives you a 5% discount on dining. The maximum Reward Points earned on Wednesday dining is capped at 1,000 points per month.
REWARDSWhat is the value of 1 Reward Point on the Platinum Prime 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 illustrative purposes, RBL Bank uses a value of ₹0.25 per Reward Point in its benefit calculations. It is advisable to check the RBL Rewards portal for the exact value applicable to your preferred redemption category.
FEESIs there a fee for redeeming Reward Points?
Yes, a Reward redemption fee of ₹99 + GST is applicable each time you redeem your available Reward Points earned on RBL Bank Credit Cards. This fee is levied one time for all redemptions made within a single day, regardless of the number of redemptions. Keep this in mind while planning your reward redemptions to maximise their value.
BENEFITSWhat is the fuel surcharge waiver benefit on this card?
The Platinum Prime Credit Card offers a fuel surcharge waiver of up to ₹100 per month. This waiver is applicable on fuel transactions with a minimum transaction value of ₹500 and a maximum of ₹4,000. Over the course of a year, this benefit can save you up to ₹1,200, making it a useful perk for regular commuters.
REWARDSWhat categories are not eligible for earning Reward Points?
Effective November 13, 2023, transactions on Education, Insurance, Utilities, Rent Payments, and Wallet Load categories do not earn Reward Points. Additionally, effective October 15, 2024, transactions on Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous, and Cash are also not eligible to earn Reward Points on the Platinum Prime Credit Card.
USAGEWhat are the EMI and Easy Cash features available on the Platinum Prime Credit Card?
The Platinum Prime Credit Card offers two convenient features: EMI Finance allows you to convert purchases of durables, electronics, furniture, clothes, accessories, groceries, and more into easy monthly instalments. Easy Cash allows unlimited cash withdrawals from your available cash limit at any ATM in India up to your billing date. A processing fee of 2.5% is applicable on Easy Cash withdrawals, with a minimum fee of ₹500.
BENEFITSWhat is the total annual benefit value I can expect from the Platinum Prime Credit Card?
The total annual benefit value of the Platinum Prime Credit Card is ₹6,300+, which includes: ₹800 from 4,000 welcome Reward Points, ₹2,400 from monthly 1+1 movie ticket on BookMyShow, ₹900 from regular Reward Points (assuming ₹2,25,000 annual spend), ₹1,000 from 10X dining rewards (assuming ₹25,000 dining spend), and ₹1,200 from fuel surcharge waivers. These figures assume 1 Reward Point = ₹0.25.
USAGEHow do I redeem my Reward Points earned on the Platinum Prime Credit Card?
You can redeem your accumulated Reward Points by visiting the RBL Rewards portal at www.rblrewards.com. Additionally, you can redeem points through the RBL Bank website under the 'Redeem Reward Points' section in your card account. A redemption fee of ₹99 + GST applies per redemption day. The value of each point ranges from ₹0.11 to ₹0.25 depending on the redemption category you choose.
INTERNATIONALDoes the Platinum Prime Credit Card offer any international or forex benefits?
The Platinum Prime Credit Card does not specifically advertise international travel or forex markup benefits. Forex markup details are not listed as a feature of this card, and it is primarily focused on domestic rewards, dining, entertainment, and fuel benefits. If international travel benefits are important to you, it is recommended to contact RBL Bank directly or consider a card with dedicated travel and forex benefits.
APPLICATIONHow do I apply for the Platinum Prime Credit Card?
You can apply for the Platinum Prime Credit Card through the RBL Bank official website by navigating to the Credit Cards section and selecting the Platinum Prime Credit Card. The application can be completed online. You may also visit your nearest RBL Bank branch to apply in person. Ensure you have the necessary KYC documents ready, including identity proof, address proof, and income proof, for a smooth application process.
DOCUMENTSWhat documents are typically required to apply for the Platinum Prime Credit Card?
While specific documentation requirements are not listed on the card page, standard documents required for RBL Bank credit card applications typically include: a recent passport-sized photograph, identity proof (Aadhaar card, PAN card, or passport), address proof (utility bills, Aadhaar, or passport), and income proof (latest salary slips, bank statements, or IT returns for self-employed applicants). It is advisable to check with RBL Bank for the exact document list.
CANCELLATIONHow can I cancel or close my Platinum Prime Credit Card?
To cancel or close your Platinum Prime Credit Card, you can contact RBL Bank's customer service team through the 'Contact Us' section on the RBL Bank website or raise a query/request through the bank's grievance portal. You may also visit your nearest RBL Bank branch in person. It is advisable to redeem any outstanding Reward Points before initiating cancellation, as points may be forfeited upon card closure.

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