Credit Cards · Honest Review
RBL Platinum Maxima Plus Credit Card
RBL Bank · Visa
Your Verdict
- ✓10X reward points on dining, entertainment, grocery, and international spends (max 1,000 pts/month per category)
- ✓2 reward points per ₹100 on all other spends
- ✓10,000 welcome reward points on card issuance
- ✓2 complimentary domestic lounge visits per quarter (spend ₹35K in previous quarter)
- ✓1% fuel surcharge waiver
What RBL Platinum Maxima Plus Credit Card costs you
RBL Platinum Maxima Plus Credit Card carries a ₹2,500 annual fee and a ₹2,500 one-time joining fee. There is no spend-based annual fee waiver.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹2,500 |
| Joining fee (one-time) | ₹2,500 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
RBL Platinum Maxima Plus Credit Card earns 2.00% on all eligible spends as a base reward rate, with accelerated rates on dining & food, entertainment & ott, groceries and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.00% |
| 🍽️ Dining & Food | 10% (cap ₹1,000/mo) |
| 🎬 Entertainment & OTT | 10% (cap ₹1,000/mo) |
| 🛒 Groceries | 10% (cap ₹1,000/mo) |
| ✈️ Travel & Flights | 10% (cap ₹1,000/mo) |
10,000 reward points on card issuance
Reward types: Points
Beyond the reward rate
The non-reward benefits on RBL Platinum Maxima Plus Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for RBL Platinum Maxima Plus Credit Card
RBL Platinum Maxima Plus Credit Card requires a minimum net monthly income of ₹40,000 for salaried applicants and a CIBIL score of 740 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹40,000 |
| CIBIL score | 740+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get RBL Platinum Maxima Plus Credit Card
- → Heavy spenders on dining & food who want 10% back
- → Heavy spenders on entertainment & ott who want 10% back
- → Frequent travelers who value airport lounge access
RBL Platinum Maxima Plus Credit Card — Questions answered
What is the annual fee for RBL Platinum Maxima Plus Credit Card?
What is the minimum income required for RBL Platinum Maxima Plus Credit Card?
What is the reward rate on RBL Platinum Maxima Plus Credit Card for dining & food?
Does RBL Platinum Maxima Plus Credit Card provide airport lounge access?
How long does it take to get RBL Platinum Maxima Plus Credit Card approved?
How long does it take to get RBL Platinum Maxima Plus Credit Card approved?
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