MyFinCards
World Max Credit Card

Joining Fee

₹2,999

Annual Fee

Rs. 2999 + Taxes

RBL Bank
Rewards
Lifestyle
Travel
Shopping
Best For: Movie lovers, Frequent domestic travelers, Weekend diners, Online shoppers, Those seeking lifestyle privileges

World Max Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Pros

  • 12,000 welcome Reward Points on joining
  • Free monthly movie ticket on BookMyShow (1+1)
  • 6 complimentary domestic airport lounge accesses per year
  • 2X Reward Points on online spends
  • Weekend dining bonus rewards (20 points per INR 100)
  • Fuel surcharge waiver up to INR 150/month
  • 24x7 concierge service
  • Total annual benefits worth INR 30,700+

Cons

  • Annual fee of INR 2,999 + GST
  • Lounge access requires INR 35,000 spends in preceding quarter
  • No welcome rewards for First Year Free cards
  • Reward redemption fee of INR 99 + GST
  • Online rewards capped at 1,000 points per period

Hidden Catches (Transparency Policy)

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

Lounge access unlocked only on INR 35,000+ spends in preceding calendar quarter (excluding rental spends)

No reward points on Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash (effective October 15, 2024)

2X online rewards capped at 1,000 Reward Points per period

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

BookMyShow offer cannot be clubbed with any other offer

Key Benefits & Features

2X Reward Points on Online Spends; maximum cap of 1,000 Reward Points (4 points per INR 100) per period

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

Reward redemption fee of INR 99 + GST per day for redemptions on rblrewards.com

Notable Exclusions

No Reward Points on Education spendsNo Reward Points on Insurance spendsNo Reward Points on Utility spendsNo Reward Points on Rent/Rental PaymentsNo Reward Points on Wallet LoadNo Reward Points on Fuel & Auto spendsNo Reward Points on Quasi-Cash transactionsNo Reward Points on Railways transactionsNo Reward Points on Real Estate transactionsNo Reward Points on Government ServicesNo Reward Points on Contracted ServicesNo Reward Points on Cash transactionsNo Reward Points on Miscellaneous (Bills2Pay, EMI, Misc)

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About World Max Credit Card

The RBL Bank World Max Credit Card is a premium lifestyle card on the Mastercard network, designed to elevate everyday experiences with a rich suite of rewards and privileges. New cardmembers are welcomed with 12,000 Reward Points upon payment of the annual fee and spending INR 2,000 within 30 days of card issuance, offering an immediate taste of the card's generous value. With total annual benefits exceeding INR 30,700, the card delivers strong returns across movies, dining, travel, and everyday shopping. Movie enthusiasts can enjoy a complimentary 1+1 free ticket on BookMyShow once every month, while weekend diners earn 20 Reward Points per INR 100 spent at restaurants. Shoppers earn 2 Reward Points per INR 100 on all spends, with 2X points on online purchases and additional milestone bonuses for monthly spends of INR 25,000, INR 40,000, and INR 50,000. A fuel surcharge waiver of up to INR 150 per month adds further everyday value. For travelers, the card provides 6 complimentary domestic airport lounge visits annually, subject to quarterly spend eligibility. A dedicated 24x7 Concierge service assists with hotel bookings, car rentals, golf reservations, dining referrals, and more. With an annual fee of INR 2,999, the World Max Credit Card is ideal for frequent domestic travelers, movie lovers, weekend diners, and online shoppers seeking a rewarding lifestyle companion.

Expert Review

Our Verdict

Premium lifestyle card with 12,000 welcome points, free movies, lounge access & best-in-class rewards.

Frequently Asked QuestionsAbout World Max Credit Card

FEESWhat is the joining fee and annual fee for the World Max Credit Card?
The World Max Credit Card has a joining fee of ₹2,999 plus applicable GST and an annual fee of ₹2,999 plus GST. This fee unlocks a range of premium benefits including welcome reward points, complimentary lounge access, free movie tickets, and more, delivering total annual benefits worth ₹30,700 or more — making the card a strong value proposition for frequent spenders.
BENEFITSWhat welcome benefits do I get with the World Max Credit Card?
On payment of the annual fee and spending ₹2,000 within 30 days of card issuance, you receive 12,000 Reward Points as a welcome gift, valued at approximately ₹3,000. Please note that welcome rewards will not be given to First Year Free cardholders. These points can be redeemed at www.rblrewards.com for gift vouchers, hotel stays, air tickets, and more.
REWARDSHow do I earn Reward Points on the World Max Credit Card?
You earn 2 Reward Points for every ₹100 spent on all eligible purchases. Online spends earn 2X Reward Points (4 points per ₹100), capped at 1,000 bonus points per period. You also earn 20 Reward Points per ₹100 spent on weekend dining (maximum 1,000 points per month). Milestone bonuses include 1,500 points at ₹25,000 monthly spend, and 1,000 points each at ₹40,000 and ₹50,000 monthly spend.
REWARDSWhich spending categories are not eligible for Reward Points?
Transactions in the following categories do not earn Reward Points: Education, Insurance, Utilities, Rent Payments, and Wallet Load. Effective October 15, 2024, additional ineligible categories include Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous, and Cash transactions. Categories are identified based on Merchant Category Codes (MCCs) allotted by Mastercard/Visa.
USAGEHow can I redeem my Reward Points, and is there a redemption fee?
You can redeem your accumulated Reward Points at www.rblrewards.com for an exciting range of options including gift vouchers, hotel stays, and air tickets. The value of 1 Reward Point ranges from ₹0.11 to ₹0.25 depending on the redemption category. A reward redemption fee of ₹99 plus GST is applicable per day of redemption, regardless of the number of redemptions made on that day.
BENEFITSWhat are the complimentary airport lounge access benefits on this card?
The World Max Credit Card provides 6 complimentary domestic airport lounge accesses per year at all major airports in India, with a maximum of 2 complimentary visits per calendar quarter. To unlock lounge access for a quarter, you must have made spends of ₹35,000 or more (excluding rental spends) in the preceding calendar quarter. The lounge program is offered by Mastercard/Visa.
BENEFITSHow does the free movie ticket benefit work on BookMyShow?
World Max Credit Cardmembers get a 1+1 free movie ticket (up to ₹200 for the complimentary ticket) on BookMyShow, once a month on any day of the week. To avail the offer, apply the discount under 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. This benefit is valued at approximately ₹2,400 annually.
BENEFITSWhat is the fuel surcharge waiver benefit on the World Max Credit Card?
The World Max Credit Card offers a fuel surcharge waiver of up to ₹150 per month, allowing you to refuel without paying extra surcharge charges. The waiver is applicable on fuel transactions with a minimum value of ₹500 and a maximum of ₹4,000 per transaction. This benefit is valued at approximately ₹1,800 annually, assuming full utilization each month.
BENEFITSWhat concierge services are available with the World Max Credit Card?
The World Max Credit Card includes 24x7 Concierge service. You can reach the dedicated Concierge Help Desk by calling 022-42320264 for assistance with Golf Course referral and reservations, Car Rental and Limousine bookings, Hotel referrals and reservations, Business services, Special events and performance assistance, Spa and fitness center information, Dining referral and reservations, and Flower and gift delivery assistance.
BENEFITSWhat is the total annual benefit value of the World Max Credit Card?
The World Max Credit Card delivers total annual benefits worth ₹30,700 or more, which includes: Welcome gift of 12,000 Reward Points (₹3,000), milestone rewards up to ₹10,500, standard spend rewards (₹1,000), 2X online spend rewards (₹3,000), 6 complimentary domestic lounge accesses (₹9,000), BookMyShow free movie tickets (₹2,400), and fuel surcharge waiver (₹1,800). The annual fee is ₹2,999 plus GST.
OTHERWhat card network does the World Max Credit Card operate on?
The World Max Credit Card operates on the Mastercard network, one of the most widely accepted payment networks globally. Being a Mastercard, the lounge access program is facilitated through Mastercard's network. The card is issued by RBL Bank and can be used at all Mastercard-accepting merchants across India and internationally wherever Mastercard is accepted.
USAGECan I withdraw cash using the World Max Credit Card?
Yes, the World Max Credit Card offers an Easy Cash facility, allowing unlimited withdrawal of your available cash limit from all ATMs in India up to your billing date. A processing fee of 2.5% is applicable on cash withdrawals, with a minimum fee of ₹500. For complete details, please refer to the Most Important Terms and Conditions (MITC) provided with your card.
USAGEDoes the World Max Credit Card offer an EMI facility?
Yes, the World Max Credit Card comes with an EMI Finance feature. You can shop for durables, electronics, furniture, clothes and accessories, groceries, and much more, and convert your purchases into easy EMIs. This makes it convenient to manage large purchases without straining your monthly budget. Terms and conditions apply, and you should check with RBL Bank for eligible merchants and applicable interest rates.
USAGEHow do I set up and activate my World Max Credit Card?
To start using your World Max Credit Card, you need to set up a 4-digit PIN for your card. You also need your mobile number registered with RBL Bank to receive One Time Passwords (OTPs) for online purchases. You can set your PIN online through RBL Bank's website or mobile app. Ensure your card is activated before making your first transaction.
OTHERWhat categories does the World Max Credit Card cater to?
The World Max Credit Card is a multi-category premium card designed for Rewards, Lifestyle, Travel, and Shopping enthusiasts. It offers accelerated rewards on online spends, exclusive dining benefits on weekends, complimentary airport lounge access for travel convenience, free monthly movie tickets for lifestyle entertainment, and fuel surcharge waivers. It is ideal for customers seeking a well-rounded card that covers everyday and premium spending needs.

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