RBL Bank Platinum Maxima Credit Card
RBL Bank · Open to apply
A ₹2,000 rewards card: 10 reward points per ₹100 on dining, groceries, entertainment and international spends (up to 1,000 points a month), 2 points per ₹100 elsewhere, 8,000 welcome points, 20,000 milestone points at ₹4 lakh a year and a BookMyShow ticket offer.
- Annual fee
- ₹2,000 + GST a year
- Joining fee
- ₹2,000 + GST
- Base rate
- 2 reward points per ₹100 on other eligible retail spends: 2 RBL Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter after ₹35,000 spend
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 reward points per ₹100 on dining, entertainment and groceries (shared cap of 1,000 points a month): 10 RBL Reward Points per ₹100 (about 2.5% at cash value)
- 10 reward points per ₹100 on international purchases (shared cap of 1,000 points a month): 10 RBL Reward Points per ₹100 (about 2.5% at cash value)
Earns nothing on
- No reward points on fuel and auto, utilities, insurance, miscellaneous, wallet, rental, quasi-cash, cash, education and government services
- No reward points on railways
- No reward points on EMI conversions
Where the sources disagree
- domestic lounge visits: The product page says 1 complimentary domestic lounge visit a quarter after ₹35,000 of spend in the previous quarter; the T&C (PDF of 30 Jul 2026) says 2. We use the T&C.
Terms the calculator does not value
- RBL publishes no point value for Platinum Maxima. The calculator uses ₹0.25 a point, the value RBL's Platinum Maxima Plus page uses for flights, hotels and e-vouchers; the card's value moves almost entirely with this figure, and no cash (statement) value is published.
- 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.
- Reward categories follow Mastercard, Visa and RuPay MCCs; outlets registered under other MCCs do not earn the accelerated rate.
- Eligibility criteria are not in the documents read.
Sources
- RBL Bank, Platinum Maxima Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Platinum Maxima Credit Card Terms and Conditions (PDF of 30 Jul 2026) (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, Platinum Maxima Plus Credit Card page (worked example valuing points at ₹0.25) (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, BookMyShow offers redemption guide (PDF of 6 Jan 2026) (Partner's page, the bank's own, read 6 Nov 2026)