RBL Bank Lumière Credit Card

RBL Bank · Invite only

RBL's invite-only metal card at ₹50,000 a year: 4 points per ₹200 (1 point = ₹1), 5X on the Lumière site, a ₹30,000 Taj or Marriott gift card on joining, unlimited domestic and international lounge access, a hotel membership, golf, airport meet and greet and a 0% forex markup.

Annual fee
₹50,000 + GST a year
Joining fee
₹50,000 + GST
Base rate
4 reward points per ₹200 on eligible spends: 4 Lumière Reward Points per ₹200 (about 2% at cash value)
Lounges
Domestic: unlimited visits a calendar year; International: unlimited visits a calendar year
Forex markup
0%
Data
From bank documents, checked 6 Nov 2026

Main earn rates

  • 5X (20 reward points per ₹200) on purchases through lumiere.rbl.bank.in: 20 Lumière Reward Points per ₹200 (about 10% at cash value)

Terms the calculator does not value

  • The Lumière T&C and page print no list of categories that earn no points, although the T&C says "exclusions mentioned herein" may change. RBL's sibling Nova card excludes fuel, utilities, insurance, rent, wallet, education, government services, cash, EMI and others. None is entered here because no Lumière document states one.
  • "TRV Based Annual Fee Waiver Program": the annual fee can be waived on a total relationship value with RBL, which cannot be combined with the welcome gift card. The threshold is not in the documents read (a third-party site says a ₹2 crore relationship).
  • Lounge terms for guests of the domestic benefit are worded as unlimited for "Primary Cardmember and accompanied guests"; whether guests are free is unclear. Several benefits (hotel membership, golf, meet and greet, first-class fare saving, free third night, dining, Green Legacy) are listed as benefits, not valued.
  • The page copy says "Access the Metal at INR 50,000 + GST" and offers add-on cards free up to three; the Select Circle concierge service is described without terms.

Sources

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