RBL Bank Platinum Edge Credit Card
RBL Bank · Open to apply
A ₹1,999 rewards card (waived at ₹2 lakh of spend) with 8,000 welcome points, 2 points per ₹100, 10,000 milestone points at ₹1.5 lakh, a domestic lounge visit each quarter and a monthly BookMyShow 1+1.
- Annual fee
- ₹1,999 + GST a year
- Joining fee
- ₹1,999 + GST
- Fee waiver
- Annual fee waived on ₹2,00,000 spend per card year
- Base rate
- 2 reward points per ₹100 on eligible spends (except fuel): 2 RBL Reward Points per ₹100 (about 0.4% at cash value)
- Lounges
- Domestic: 1 visit a calendar quarter after ₹35,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Earns nothing on
- No reward points on fuel and auto, utilities, insurance, rent, wallet, quasi-cash, education and government services
- No reward points on railways
- No reward points on EMI conversions
Terms the calculator does not value
- RBL values a point at ₹0.11 to ₹0.25 depending on the redemption category (World cards' pages) and publishes no table; the calculator uses ₹0.20, the value implied by this card's own "How it adds up" table, which sits inside that range. Cashback against the statement needs at least 2,000 points and no cashback value is published for this card.
- The page says "2X Reward Points on all online spends (Maximum Cap: 1,000 Reward Points)" and "4 Reward Points / INR 100" but gives no period for the cap and its worked example (₹1.5 lakh online earning 6,000 points) does not apply it, so the online rate is not entered as a rule. Online spend therefore earns the base rate here, understating the card.
- The ₹1.5 lakh milestone is followed by "additional 5,000 reward points on spending each 1,00,000 thereafter" with no stated limit; only the first step (₹2.5 lakh) is entered.
- Contracted services (MCCs 1711, 1740, 0763, 1520, 0742, 1761, 1799, 1750, 1731, 1771, 0780) and bills paid through RBL's Bills2Pay facility earn no points; neither is a category here.
- Eligibility criteria are not in the documents read.
Sources
- RBL Bank, Platinum Edge 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 Credit Cards Rewards Programme terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)