RBL Bank World Max Credit Card
RBL Bank · Open to apply
A ₹2,999 rewards card with 12,000 welcome points, 2 points per ₹100, monthly bonus points at ₹25,000, ₹40,000 and ₹50,000 of spend, 6 domestic lounge visits a year and a monthly BookMyShow 1+1.
- Annual fee
- ₹2,999 + GST a year
- Joining fee
- ₹2,999 + GST
- Base rate
- 2 reward points per ₹100 on eligible spends: 2 RBL Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 6 visits a calendar year 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 and publishes no table; the calculator uses ₹0.25, the value RBL assumes on the card page, so the card's value is at the top of 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, so the online rate is not entered as a rule (the worked example, ₹3 lakh online earning 12,000 points, equals 1,000 points a month, but the page does not say the cap is monthly). The page excludes online education, insurance, utilities (including Bills2Pay), rent and wallet loads from it. Online spend therefore earns the base rate here, understating the card.
- "Dine in style": 20 reward points per ₹100 on dining spends on weekends (maximum 1,000 points a month), worth about 5% at ₹0.25 a point. The calculator cannot match weekend days, so it is not entered; dining earns the base rate.
- 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, World Max 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)