Platinum Maxima Plus Credit Card
A reward points card: 2 points per ₹100, 10 per ₹100 on dining, entertainment, grocery and international spends (up to 1,000 points a billing cycle), up to 30,000 milestone points a year and two domestic lounge visits a quarter on ₹35,000 of quarterly spend. Every figure below is copied from RBL Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹2,500 plus GST MITC |
|---|---|
| Annual fee | ₹2,500 plus GST MITC |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| RBL's key fact statement gives the joining fee as NIL and charges an annual membership fee of ₹2,500 in the first year and each year after; the first-year fee is shown here as the joining fee. No spend-based fee waiver is published for this card. | |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Dining, grocery and international spends (10 points per ₹100) | 10 points per ₹100 Product page | up to 1,000 points a statement cycle Terms |
| Other eligible spends (2 points per ₹100) | 2 points per ₹100 Product page | no cap on record |
The 10-point rate is capped at 1,000 points a month, which RBL defines as a billing cycle; the terms do not say what spend above the cap earns, so nothing is assumed. Entertainment spends also earn 10 points but have no CardWise category. Groceries bought online earn 10 points only where the merchant is coded as a grocery store. EMI conversions earn no points.
No rewards on
Benefits
- Lounges: 2 domestic airport lounge visits a quarter for the primary cardholder — ₹35,000 of eligible spend in the previous calendar quarter Product page
- Welcome: 10,000 reward points after a transaction within 30 days and payment of the first annual fee Product page
- Milestone: 10,000 points on ₹2 lakh of spend in a membership year Product page
- Milestone: 10,000 more points on ₹3.5 lakh in a membership year Product page
- Milestone: 10,000 more points on ₹5 lakh in a membership year Product page
Also on this card
Quoted from RBL Bank; not counted in the net value.
- One free BookMyShow movie ticket a month, up to ₹200, when buying two or more Product page
- 10 points per ₹100 on entertainment spends (within the 1,000-point monthly cap) Product page
- Up to 30,000 milestone points a year on ₹2 lakh, ₹3.5 lakh and ₹5 lakh of spend Terms
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by RBL Bank in the documents read
- eligibility criteria
- a RuPay variant for UPI
- a spend-based annual fee waiver
- what spend above the 10-point cap earns
Where RBL Bank’s documents differ, and what is used
- The product page's 'How it adds up?' example credits points on fuel and utility spends (7,200 points each on ₹72,000), but the same page and the card terms exclude fuel and utilities from reward points. The exclusions are used.
- The page headline claims 2.8% value back on grocery and dining; 10 points per ₹100 at the ₹0.25 rate from RBL's own example is 2.5%. The quoted rate and example value are used.
The quotes behind the figures
27 figures, each copied from an official RBL Bank document.
Show every quote and source
“Platinum Maxima Plus INR 2,500 INR 2,500 INR 200”
“Currently, standard rate of 18% will be levied on all Fees & charges under this MITC.”
“3.5% on all cards 2% on NovaTM Credit Card”
“67,600 Reward Points redeemable against flight bookings, hotel stays and select e-vouchers INR 16,900”
“Easily earn 10 reward points for every INR 100 when you use your card for dining, entertainment, grocery, and international purchases (Earn up to maximum 1000 Reward points per month).”
“It is clarified that upon making eligible retail transactions from the abovementioned categories, a Card member can earn up to maximum of 1000 reward points per month”
“It is clarified that `one month' is defined as one billing cycle assigned to the Card.”
“You get 10 reward points for every eligible transaction worth INR 100 spent on dining, entertainment, grocery, and international purchases.”
“Earn 2 reward points for every INR 100 spent on your purchases*.”
“Transactions made on select merchant categories: Fuel & Auto, Railways, Utilities, Real Estate/Rental, Wallet/Service Providers, Insurance & Miscellaneous are not eligible to earn reward points.”
“Transactions made on select merchant categories: Quasi-Cash, Education, Government Services, Contracted Services, Cash & Bills2Pay will also not be eligible to earn reward points.”
“With an annual membership fee of INR 2,500 you can avail an array of benefits on the RBL Bank Platinum Maxima Plus Credit Card.”
“Annual membership fees of INR 2,500 + GST”
“Joining Fee NIL for Primary & Add-on Cardmember”
“Your RBL Bank Credit Card Network Availability Guide Credit Card Variant MasterCard RuPay Visa”
“Fuel Spends INR 6,000 INR 72,000 7,200”
“2.8% Value Back on Grocery & Dining”
“Reward redemption fee of INR 99 + GST is applicable on the redemption of your available reward points earned on RBL Bank Credit Cards.”
“Primary cardmembers will be eligible for 2 complimentary airport lounge accesses within India in a quarter if they spend INR 35,000 or more in the previous calendar quarter.”
“Begin your Platinum Maxima Plus Credit Card Journey with 10,000 Reward Points as Welcome Benefit.”
“Make purchases of INR 2 lakhs or more in a year and get 10,000 reward points”
“Make purchases of INR 3.5 lakhs or more in a year and get additional 10,000 reward points”
“Make purchases of INR 5 lakhs or more in a year and get additional 10,000 reward points”
“Get one complimentary movie ticket free up to INR 200 every month on the purchase of 2 or more tickets at BookMyShow.”
“The Cardmember can avail up to 30,000 reward points under the `milestone'.”
“2 Lounge access within every quarter Apply Now”
“Platinum Maxima Plus Credit Card - - ✔”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with RBL Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is RBL Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology