Platinum Prime Credit Card

Joining Fee

₹999

Annual Fee

Rs. 999 + Taxes

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.

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

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.

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