RBL Bank Platinum Choice Credit Card
RBL Bank · Open to apply
A ₹499 starter rewards card: 1 reward point per ₹100, 2 per ₹100 online, 2,000 welcome points, a 10% BookMyShow discount and a ₹100 a month fuel surcharge waiver; the fee is reversed at ₹50,000 of spend.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 1 reward point per ₹100: 1 RBL Reward Points per ₹100 (about 0.25% at cash value)
- Lounges
- None on record
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 2 reward points per ₹100 on online spends: 2 RBL Reward Points per ₹100 (about 0.5% at cash value)
Earns nothing on
- No reward points on education, insurance, utilities, rent, wallet, fuel
- 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
Where the sources disagree
- spend-linked annual fee waiver: The schedule of charges (RBL-CC-SOC-V2-04-06-2026) lists the fee as ₹499 in both years with no waiver, while the MITC fee table (Aug 2026) and the card page give a waiver at ₹50,000 of annual spend. The waiver is entered (MITC and page are the card-specific documents).
Terms the calculator does not value
- 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 2X online rate has a cap of 1,000 reward points whose period the page does not state (the table's example of ₹50,000 online spend earning 1,000 points fits a year or a month, not stated); the online rule is entered without a cap and overstates the card if the cap is a month, statement or quarter and online spend exceeds ₹50,000 in it.
Sources
- RBL Bank, Platinum Choice Credit Card page (Product page, 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 Rewards terms and conditions (general) (Reward terms, the bank's own, read 6 Nov 2026)