RBL Bank Platinum LifeEasy Credit Card
RBL Bank · Open to apply
A ₹1,999 card (waived at ₹3.5 lakh of spend) built on capped monthly cashback: 10% on fuel and on Ola/Uber and 5% on groceries, up to ₹200 a month each, with ₹2,000 of welcome vouchers, a ₹1,000 voucher at ₹2.5 lakh and a quarterly domestic lounge visit.
- Annual fee
- ₹1,999 + GST a year
- Joining fee
- ₹1,999 + GST
- Fee waiver
- Annual fee waived on ₹3,50,000 spend per card year
- Base rate
- No base earn rate is stated: 0% in LifeEasy cashback (about 0% 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
Main earn rates
- 10% cashback on fuel purchases (up to ₹200 a month): 10% in LifeEasy cashback (about 10% at cash value)
- 10% cashback on Ola and Uber (up to ₹200 a month): 10% in LifeEasy cashback (about 10% at cash value)
- 5% cashback on grocery spends (up to ₹200 a month): 5% in LifeEasy cashback (about 5% at cash value)
Earns nothing on
- No base earn rate is stated
Terms the calculator does not value
- The page lists "10% Cashback on Fuel Purchases (INR 200 per month)" among the card's benefits, while its footnote "Effective from October 15, 2024 … Transactions made on Fuel & Auto … are not eligible on your Platinum LifeEasy Credit Card" does not say whether that also ends the fuel cashback. The fuel cashback is entered because the page's benefits, the listing blurb ("Offer on grocery and fuel purchases") and the worked table still show it; if the footnote ends it, the card is worth up to ₹2,400 a year less.
- The 'Accelerated Rewards' section gives fuel (₹200 a month) and Ola/Uber (₹200 a month) a cap each; the 'How it adds up' table has one ₹2,400 line (₹200 x 12) for 'Ola/Uber/Fuel' together. The separate caps are entered; if the table is right the pair shares ₹200 a month and the card is worth up to ₹2,400 a year less.
- The page says the cashback "will be credited in form of reward points" and gives no points-to-rupee rate for it, so the 10% and 5% offers are valued at face value in rupees. RBL values ordinary points at ₹0.11 to ₹0.25.
- No earn rate for spends outside fuel, Ola/Uber and groceries is stated, although the page lists categories that "will not earn reward points". Other spends are entered at 0.
- What a rupee earns past a ₹200 monthly cap is not stated; nothing is assumed. The "month" is taken as the billing cycle.
- 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 LifeEasy 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)