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Credit Cards · India

RBL Bank Platinum Maxima Plus Credit Card

Updated 3 Jul 2026Source-linked

The RBL Bank Platinum Maxima Plus Credit Card is a mid credit card from RBL Bank, with a joining fee of ₹2,500 + GST.

It earns up to 11 pts per ₹100 (≈2.2% value) on grocery dining spends in the form of reward points (points).

Cardholders get 2 quarterly domestic airport lounge access, plus 10,000 bonus reward points as a welcome benefit.

RBL Bank logo
RBL Bank Platinum Maxima Plus Credit Card
Mastercard logo
  • Joining Fee₹2,500
  • Annual Fee₹2,500
  • Best Suited ForDining
  • Reward TypeReward Points (points)
Rewards Rate
  • 11 pts per ₹100 on grocery dining
  • Base 0.40% on other spends
Welcome Benefits
  • 10,000 bonus reward points
Data verified 3 Jul 2026 — see our methodology
RBL Bank logoRBLMastercard logoplatinummid
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Rewards and Benefits

Rewards Rate
11 pts per ₹100 on grocery dining
Base 0.40% on other spends.
Reward Redemption
RBL Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
10,000 bonus reward points
Milestone Rewards
N/A
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Groceries₹176/mo

    You spend ₹8,000 · earns 2.2% = ₹176 uncapped

    • Valued at realized redemption value
  • Dining & food delivery₹176/mo

    You spend ₹8,000 · earns 2.2% = ₹176 uncapped

    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹60/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹40/mo
  • Utilities & bills₹5,000 · 0.4% = ₹20/mo
Est.net rewards for this spend, realistic
₹3,164/yr

₹5,664 rewards − ₹2,500 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • mid card issued by RBL Bank.
  • Joining / annual fee of ₹2,500 + GST.
  • Available on the Mastercard network.
  • Complimentary airport lounge access: domestic (2/quarterly).

Pros & Cons

Pros
  • Complimentary domestic airport lounge access (2/quarterly).
Cons
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹2,500 welcome benefit

  • 10,000 bonus reward points
    Pay annual membership fee by due date
    Window: 60 days from issuance.

Accelerated rewards

  • 11 pts per ₹100 on grocery dining
    2.8% value back on grocery & dining (≈11 RP per ₹100;

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

Airport lounge access

Domestic
2 visit(s) / quarterly. Via mastercard, dreamfolks.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹500 per monthly.

Sources

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
730+
Income (salaried)
₹6,00,000 p.a.
Income (self-employed)
₹6,00,000 p.a.
Tagsmidpointsgrocerydininglounge