Platinum Shopgain Credit Card

Joining Fee

₹1,499

Annual Fee

Rs. 1499 (Reversed on annual spends of Rs. 1.5 Lakhs)

Rewards
Shopping
Lifestyle
Best For: Frequent utility bill payers, Movie enthusiasts, Shoppers targeting milestone rewards

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

No reward points on Education transactionsNo reward points on Insurance transactionsNo reward points on Utility transactions for general rewards (25x applies separately with cap)No reward points on Rent/Rental paymentsNo reward points on Wallet Load transactionsNo reward points on Fuel & Auto 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 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 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.

Expert Review

Our Verdict

Utility-focused rewards card with movie benefits, lounge access & milestone bonuses worth INR 20,936+ annually.

Related Rewards Cards

Explore other premium credit cards that offer similar benefits and rewards.

View all Rewards cards

More from RBL Bank

Discover the full range of credit cards offered by RBL Bank to find the perfect fit for your finances.

View all RBL Bank cards