All cards / RBL Bank
RBL LUMIÈRE Credit Card
RBL's new by-invitation-only flagship metal card, positioned above Icon and World Plus with a Rs 50,000 fee that's waived entirely for clients holding Rs 2 crore or more in relationship value. It bundles zero forex, unlimited lounge access and curated experiential perks aimed squarely at ultra-high-net-worth banking clients.
Annual fee
₹50,000
Joining fee
₹50,000
Reward type
points
Base reward rate
2.5%
Card network
Visa
Card tier
Super-premium
Who this card fits
Best suited to applicants with a credit score of roughly 780+ whose spend is concentrated in travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 2.5% base rate
Benefits by category
- ✈️ Travel
2.5% reward rate · Unlimited domestic and international airport lounge access with meet-and-greet service.
- 🏨 Hotel
Complimentary golf privileges and curated hotel memberships.
- 🌍 Forex / international spend
0% markup on all foreign currency transactions. · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 780
- Minimum monthly income: ₹5,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 0%
- Interest rate: 3.5% p.a.
Benefits
- Unlimited domestic and international airport lounge access with meet-and-greet service.
- 0% markup on all foreign currency transactions.
- Complimentary golf privileges and curated hotel memberships.
- First three add-on cards issued free of charge.
Pros
- + Zero forex markup on all foreign spends
- + Unlimited lounge access with meet-and-greet
- + Fee fully waived for high relationship-value clients
Cons
- − Invite-only — not open to direct applications
- − Very high fee for those who don't qualify for the waiver