RBL Bank Platinum Bonus Credit Card

RBL Bank · Open to apply

A ₹999 card built around its 6,000-point welcome bonus; the page gives no ongoing reward rate. The fee is reversed at ₹1 lakh of spend.

Annual fee: ₹999 + GST a year
Joining fee: ₹999 + GST
Fee waiver: Annual fee waived on ₹1,00,000 spend per card year
Base rate: No stated earn rate: 0% in RBL Reward Points (about 0% at cash value)
Lounges: None on record
Forex markup: 3.5%
Data: From bank documents, checked 6 Nov 2026

Earns nothing on

No stated earn rate
No reward points on education, insurance, utilities, rent, wallet
No reward points on fuel and auto, quasi-cash, real estate, government services, EMI and cash
No reward points on railways
No base reward points on EMI conversions

spend-linked annual fee waiver: The schedule of charges (RBL-CC-SOC-V2-04-06-2026) lists the fee as ₹999 in both years with no waiver, while the MITC fee table (Aug 2026) and the card page give a waiver at ₹100,000 of annual spend. The waiver is entered (MITC and page are the card-specific documents).

RBL states a range for the reward point (₹0.11 to ₹0.25 by redemption category) and assumes ₹0.25 in its own tables; it does not say which category pays what. Both ends are entered as redemption options, so the card's value swings with the choice.
Service providers, contracted services and Bills2Pay (RBL's own bill-payment channel) are named as ineligible but match none of our categories alone; they are not modelled except where a category listed in the exclusion rules already covers them.
Eligibility (age, income) is not on the card page, the MITC or the schedule of charges.
The page does not state the reward rate on spends. Only the welcome bonus and the fee reversal are valued; ongoing earn is understated.