All cards / RBL Bank
RBL Bank Platinum Maxima Plus Credit Card
A reasonably strong 2.5% effective rate on dining, groceries, and travel — but it's capped at just ₹10,000 of bonus-category spend a month, there's no spend-based fee waiver, and the 3.5% forex markup is standard rather than a perk.
Annual fee
₹2,500
Joining fee
₹0
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, groceries, travel. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic lounge visits per quarter on min. ₹35,000 spend in the preceding quarter
- International lounge access: Not offered
- Golf: Not offered
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate (capped ₹10,000/monthly)
- 🛒 Groceries
2.5% reward rate (capped ₹10,000/monthly)
- ✈️ Travel
2.5% reward rate (capped ₹10,000/monthly) · 2 complimentary domestic airport lounge visits per quarter if Rs. 35,000 spent in the previous calendar quarter
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: ₹99 + GST per redemption request
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction
Benefits
- 10,000 welcome reward points
- Up to 30,000 bonus reward points on ₹5 lakh annual spend
- 2 complimentary domestic airport lounge visits per quarter if Rs. 35,000 spent in the previous calendar quarter
- Buy-1-Get-1 movie ticket offer
Pros
- + 2.5% effective rate on dining, groceries, and travel
- + 10,000-point welcome bonus
- + Domestic lounge access included
Cons
- − Bonus-category earning capped at ₹10,000/month
- − No spend-based annual fee waiver
- − Standard 3.5% forex markup, no international lounge
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