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
- RBL Bank, Lumière Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Lumière Credit Card Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, Most Important Terms and Conditions cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)
- RBL Bank Credit Cards Rewards Programme terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank press release, Launch of exclusive LUMIÈRE and NOVA credit cards (17 Nov 2025) (Press release, the bank's own, read 6 Nov 2026)