
Joining Fee
₹1,499
Annual Fee
Rs. 1499 (Reversed on annual spends of Rs. 1.5 Lakhs)
Platinum Shopgain Credit Card
Rewards Structure
Base Reward Rate
1% on spends
Point Value
1 Point = ₹0.25
Earning Cap
₹500 /monthly
Pros
- High reward rate (25x) on utility bill payments
- Free movie tickets via BookMyShow twice a month
- Welcome bonus of 6,000 Reward Points
- Annual fee waiver on spends of INR 1,50,000
- Milestone bonuses up to 20,000 extra Reward Points
- Annual rewards value of INR 20,936+
Cons
- Lounge access discontinued from July 01, 2025
- Reward points not earned on fuel, insurance, education, rent, wallet load, railways, government services, and several other categories
- Utility reward points capped at 500 per month
- Reward redemption fee of INR 99 + GST applicable
Hidden Catches (Transparency Policy)
To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.
No welcome rewards for First Year Free cards
Lounge access requires INR 15,000 spend (excluding rentals) in preceding calendar quarter
Lounge benefits discontinued W.E.F July 01, 2025
Multiple transaction categories excluded from reward points effective October 15, 2024
Key Benefits & Features
Easy Cash: Unlimited ATM cash withdrawal from available cash limit across India up to billing date. Processing fee 2.5% (min INR 500).
25 Reward Points per INR 100 spent on utility bill payments, capped at 500 Reward Points per month
Notable Exclusions
*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.
About Platinum Shopgain Credit Card
The RBL Bank Platinum Shopgain Credit Card is designed to deliver the power of four cards in one, making it an ideal choice for shoppers, movie lovers, and frequent utility bill payers. New cardmembers are welcomed with 6,000 Reward Points upon payment of the annual fee and minimum spends of INR 2,000 within 30 days of card issuance, setting the tone for a rewards-rich experience worth over INR 20,936 annually. The card shines when it comes to everyday utility spending, offering 25 Reward Points for every INR 100 spent on utility bills, up to 500 Reward Points per month. Entertainment enthusiasts benefit from a buy-one-get-one offer on BookMyShow twice a month, providing up to INR 200 per transaction. Milestone spenders are further rewarded with a Zomato or Amazon Prime Voucher on annual spends of INR 2 lakhs, 10,000 Reward Points on INR 3 lakhs, and an additional 10,000 Reward Points on spends of INR 4 lakhs and above. With an annual fee of INR 1,499, which is waivable upon spending INR 1,50,000 in a year, the card also offers convenient cash withdrawal from any ATM in India. Cardmembers previously enjoyed four complimentary domestic lounge accesses per year, though this benefit has been discontinued effective July 2025.
Our Verdict
Utility-focused rewards card with movie benefits, lounge access & milestone bonuses worth INR 20,936+ annually.
Frequently Asked QuestionsAbout Platinum Shopgain Credit Card
FEESWhat is the joining fee and annual fee for the Platinum Shopgain Credit Card?
BENEFITSWhat welcome benefits do I get with the Platinum Shopgain Credit Card?
REWARDSHow many Reward Points do I earn on utility bill payments?
REWARDSWhat are the milestone benefits on the Platinum Shopgain Credit Card?
BENEFITSWhat movie benefits does the Platinum Shopgain Credit Card offer?
BENEFITSDoes the Platinum Shopgain Credit Card offer airport lounge access?
REWARDSWhich spending categories do NOT earn Reward Points on this card?
USAGEIs there a fee to redeem Reward Points on the Platinum Shopgain Credit Card?
REWARDSWhat is the total annual rewards value of the Platinum Shopgain Credit Card?
USAGEDoes the Platinum Shopgain Credit Card offer an Easy Cash facility?
FEESHow can I waive the annual fee on the Platinum Shopgain Credit Card?
OTHEROn which network does the Platinum Shopgain Credit Card operate?
INTERNATIONALCan I use the Platinum Shopgain Credit Card for international transactions?
APPLICATIONHow do I apply for the Platinum Shopgain Credit Card?
USAGEHow can I redeem my Reward Points earned on the Platinum Shopgain Credit Card?
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