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RBL Bank Platinum Maxima Credit Card
Mastercard
RBL Bank Platinum Maxima Credit Card
RBL's older mid-tier rewards card, still open for applications alongside the Platinum Maxima Plus. It pays 10 points per ₹100 (about 2.5%) on dining, groceries, entertainment and international spends, but the bonus is capped at 1,000 points a month, so it suits people spending around ₹10,000 a month in those categories. Note the ₹2,000 fee has no spend-based waiver.
Annual fee
₹2,000
Joining fee
₹2,000
Reward type
points
Base reward rate
0.5%
Card network
Mastercard
Card tier
Mid
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in dining, groceries. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: Buy-one-get-one on BookMyShow: one free ticket (up to ₹100) every month when booking 2 or more tickets. 10 reward points per ₹100 on dining.
- Rewards rate: 0.5% base rate
- Reward redemption: Redeem on the RBL Rewards portal (rblrewards.rbl.bank.in) for vouchers, merchandise and more
- Domestic lounge access: Complimentary domestic lounge access in a quarter after spending ₹35,000 in the previous calendar quarter (card T&C dated July 2026 says 2 visits per quarter; the product page says 1)
- International lounge access: Not offered
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate (capped ₹250/monthly) · 10 reward points per ₹100 on dining, grocery, entertainment and international spends (max 1,000 accelerated points a month); 2 points per ₹100 elsewhere
- 🛒 Groceries
2.5% reward rate (capped ₹250/monthly)
- ✈️ Travel
Domestic airport lounge access unlocked by ₹35,000 spend in the previous quarter
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Employment: salaried, self-employed
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption (charged once per day of redemption)
- Foreign currency markup: 3.5%
- Interest rate: 3.99% p.a.
- Fuel surcharge waiver: No fuel surcharge waiver; fuel & auto spends earn no points, and a 1% fee applies on fuel/auto transactions above ₹10,000
- Cash advance charges: 2.5% of the amount withdrawn (minimum ₹500); finance charges up to 3.99% p.m. from the date of withdrawal
Benefits
- 8,000 bonus reward points on making a retail transaction within 30 days of issuance and paying the annual fee
- 10 reward points per ₹100 on dining, grocery, entertainment and international spends (max 1,000 accelerated points a month); 2 points per ₹100 elsewhere
- 10,000 bonus points on ₹2.5 lakh annual spend and another 10,000 on ₹4 lakh
- One free BookMyShow movie ticket (up to ₹100) every month on booking 2+ tickets
- Domestic airport lounge access unlocked by ₹35,000 spend in the previous quarter
Pros
- + About 2.5% back on dining, groceries, entertainment and international spends
- + 20,000 milestone points at ₹4 lakh annual spend on top of an 8,000-point welcome bonus
- + Monthly BookMyShow buy-one-get-one up to ₹100
Cons
- − ₹2,000 annual fee with no spend-based waiver
- − Accelerated earning capped at 1,000 points (₹250) a month
- − ₹99 + GST charged on every redemption; fuel, utilities and rent earn nothing