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

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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