MyFinCards
World Plus Credit Card

Joining Fee

₹4,999

Annual Fee

Rs. 4999 + Taxes

RBL Bank
Rewards
Lifestyle
Travel
Best For: Frequent domestic travelers, Dining enthusiasts, International spenders, Movie lovers, High spenders seeking milestone rewards

World Plus Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹2,000 /monthly

Pros

  • High welcome bonus of 20,000 reward points
  • 10x reward points on dining and international spends
  • 8 complimentary domestic lounge visits per year
  • Complimentary Priority Pass membership
  • 1+1 movie ticket on BookMyShow twice a month
  • Milestone rewards up to 40,000 extra points annually
  • Concierge service available 24x7
  • Golf concierge for MasterCard holders

Cons

  • Annual fee of INR 4,999 plus GST
  • Lounge access requires INR 35,000 spend in preceding quarter
  • Priority Pass lounge usage charged up to $35 per visit
  • Reward redemption fee of INR 99 + GST applies
  • 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.

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

Priority Pass usage charged up to $35 per visit inside and outside India

Reward points not earned on Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous, and Cash transactions (effective October 15, 2024)

Dining and international 10x rewards capped at 2,000 points per month each

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

Key Benefits & Features

10x Reward Points (20 points per INR 100) on international spends; max 2,000 points per month

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

Reward redemption fee of INR 99 + GST per day for redeeming reward points at rblrewards.com

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 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 transactionsNo reward points on EMI transactions

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

Official Terms & Conditions

About World Plus Credit Card

The RBL Bank World Plus Credit Card is a premium lifestyle and rewards card designed for those who love dining, movies, travel, and high-value spending. Cardmembers earn 2 Reward Points per INR 100 on regular spends, and a powerful 10x (20 Reward Points per INR 100) on dining and international transactions, making it ideal for food enthusiasts and frequent international spenders. A welcome bonus of 20,000 Reward Points is credited upon payment of the joining fee and initial spends, offering an immediate head start on rewards. The card rewards consistent spending through milestone bonuses — 20,000 Reward Points each on crossing INR 3 lakh and INR 5 lakh in annual spends. Movie lovers benefit from a 1+1 free ticket on BookMyShow twice a month, while travelers enjoy 8 complimentary domestic airport lounge visits per year and a complimentary Priority Pass membership. A fuel surcharge waiver of up to INR 200 per month adds everyday value at the pump. Rounding out its premium positioning, the card includes a 24x7 concierge service covering golf reservations, hotel bookings, car rentals, dining, and special events. With total annual benefits estimated at over INR 57,000 against a joining and annual fee of INR 4,999, the World Plus Credit Card delivers exceptional value for high spenders seeking a well-rounded lifestyle card.

Expert Review

Our Verdict

Premium lifestyle card with 10x rewards on dining & international spends, lounge access, and movie benefits.

Frequently Asked QuestionsAbout World Plus Credit Card

FEESWhat is the annual fee for the RBL World Plus Credit Card?
The RBL World Plus Credit Card has an annual fee of ₹4,999 plus applicable Goods and Service Tax (GST). The same amount applies as the joining fee. In return, the card offers total annual benefits worth ₹57,000+, including welcome reward points, milestone rewards, complimentary lounge access, Priority Pass membership, and movie offers, making it a value-rich proposition for frequent spenders.
REWARDSWhat welcome benefits do I get with the World Plus Credit Card?
On payment of the annual fee and spending ₹2,000 within 30 days of card issuance, you receive 20,000 welcome Reward Points. These points are valued at up to ₹5,000 depending on redemption category. Please note that no welcome rewards will be given to First Year Free cards. The points can be redeemed at www.rblrewards.com for gift vouchers, hotel stays, air tickets, and more.
REWARDSHow many reward points do I earn on dining and international spends?
You earn 10x Reward Points on dining and international spends, which translates to 20 Reward Points for every ₹100 spent. This effectively gives you a 5% discount on these categories. However, the maximum reward points you can earn per month on dining is 2,000 points, and similarly 2,000 points per month on international spends. These points can be redeemed on the RBL rewards portal.
REWARDSWhat are the milestone rewards available on the World Plus Credit Card?
The World Plus Credit Card offers milestone rewards to encourage higher spending. When you spend ₹3,00,000 in a year, you earn 20,000 bonus Reward Points. If you further cross ₹5,00,000 in annual spends, you earn an additional 20,000 Reward Points. This means you can earn up to 40,000 extra milestone Reward Points annually, valued at up to ₹10,000 upon redemption.
REWARDSHow do I earn standard reward points on the World Plus Credit Card?
For all regular spends (excluding excluded categories), you earn 2 Reward Points for every ₹100 spent. Note that transactions in categories like Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel, Quasi-Cash, Railways, Real Estate, Government Services, Contracted Services, EMI, and Miscellaneous are not eligible for reward points as per the updated terms effective October 15, 2024.
USAGEHow can I redeem my reward points, and is there any redemption fee?
You can redeem your accumulated Reward Points at www.rblrewards.com for a wide 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. Please note that a reward redemption fee of ₹99 + GST is applicable per day, regardless of the number of redemptions made on that day.
BENEFITSHow many complimentary airport lounge visits do I get, and what are the conditions?
The World Plus Credit Card offers 8 complimentary domestic airport lounge visits per year at all major airports in India, with a maximum of 2 visits per quarter. To unlock lounge access for a given quarter, you must spend ₹35,000 or more (excluding rental spends) in the preceding calendar quarter. Additionally, you receive a complimentary Priority Pass membership, though using it for lounge access within or outside India is charged up to $35 per visit.
BENEFITSWhat movie benefits does the World Plus Credit Card offer on BookMyShow?
Cardholders enjoy a 1+1 free movie ticket offer (up to ₹200 per ticket) on BookMyShow, available twice 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. This offer cannot be clubbed with any other offer. Over a year, this benefit can provide savings worth approximately ₹4,800.
BENEFITSWhat fuel benefits are available on the World Plus Credit Card?
The World Plus Credit Card offers a fuel surcharge waiver of up to ₹200 per month, allowing you to fill your tank without paying extra surcharges. The waiver applies to fuel transactions between a minimum of ₹500 and a maximum of ₹4,000 per transaction. Over a year, this can result in savings of up to ₹2,400. The waiver is applicable at any fuel station across India.
BENEFITSWhat concierge services are available with the World Plus Credit Card?
The World Plus Credit Card provides access to a 24x7 dedicated Concierge Help Desk. You can reach them at 022-42320264 for assistance with Golf Course referrals and reservations, Car Rental and Limousine bookings, Hotel referrals and reservations, Business services, Special events and performance bookings, Spa, fitness centers and sports center information, Dining referrals, and Flower and gift delivery assistance. Golf Concierge is complimentary for MasterCard holders.
USAGECan I withdraw cash using my World Plus Credit Card?
Yes, the World Plus Credit Card features an 'Easy Cash' facility that allows unlimited cash withdrawals from all ATMs in India up to your available cash limit until your billing date. A processing fee of 2.5% is applicable on each cash withdrawal, with a minimum fee of ₹500. For complete details on terms and conditions, refer to the Most Important Terms and Conditions (MITC) document provided by RBL Bank.
INTERNATIONALDoes the World Plus Credit Card offer any international travel benefits?
Yes, the World Plus Credit Card offers several international travel benefits. You earn 10x Reward Points (20 points per ₹100) on international spends, up to 2,000 points per month. You also receive a complimentary Priority Pass membership worth $99, which provides access to international airport lounges, though each usage is charged up to $35 per visit. The card is on the MasterCard network, ensuring global acceptance.
BENEFITSWhat is the Priority Pass membership benefit, and how does it work?
As a World Plus Credit Card holder, you receive a complimentary Priority Pass Membership valued at approximately $99 (around ₹8,231). Priority Pass provides access to airport lounges worldwide. However, using the Priority Pass for lounge access — whether within India or internationally — will incur a charge of up to $35 per visit. This is distinct from the 8 complimentary domestic lounge visits offered directly through the card's lounge program.
OTHERHow do I contact RBL Bank for support related to my World Plus Credit Card?
For general concierge services and Golf bookings, you can call RBL Bank's Customer Services at 1800 102 6263 (toll-free). For concierge assistance including hotel reservations, car rentals, dining, and special events, call 022-42320264. To report loss or unauthorized use of your credit card, visit the RBL Bank website and use the 'Report Loss or Unauthorised Use' section, or contact the bank through their 24x7 customer service helpline.
REWARDSWhich spending categories are excluded from earning reward points on the World Plus Credit Card?
Effective October 15, 2024, the following categories do not earn reward points: Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2Pay, EMI, Miscellaneous, and Cash transactions. Additionally, Education, Insurance, Utilities, Rent Payments, and Wallet Load transactions are also excluded. Specific MCC codes apply to each excluded category as defined by VISA and Mastercard guidelines. Always check the latest MITC for updated exclusions.

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