RBL Bank Platinum Maxima Plus Credit Card

Lounge access

• 2 complimentary domestic airport lounge visits per calendar quarter within India, only if ₹35,000 or more was spent in the previous calendar quarter (excludes Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Bills2Pay, Miscellaneous and EMI conversions).
• Only primary cardmember eligible.
• Not applicable on add-on card.
• ₹25 authorization amount charged for validation (reversed in same month's statement).
• No international lounge access stated.

Verified · Terms & Conditions – Platinum Maxima Plus Credit Card · 2026-08-03 · source

Forex markup

3.5% markup on foreign currency transactions and dynamic & static conversion transactions.

Verified · MITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus) · 2026-08-03 · source

Charge

• Add-on Card Fee: ₹200 per Add-on Cardmember.
• Finance charges (revolving credit & cash advances): up to 3.99% p.m. (47.88% p.a.).
• Cash advance fee: 2.5% of cash amount (min ₹500).
• Late Payment Fee: 12.5% of Total Outstanding Amount, min ₹5, max ₹1,300.
• Overlimit Fee: NIL.
• Cash Payment at RBL Bank Branches: ₹100.
• Foreign Currency/Dynamic & Static Conversion markup: 3.5%.
• Reward Redemption Fee: ₹99 + GST.
• Merchant EMI Processing Fee: 1.5% of amount or ₹150 whichever higher.
• Fee on Rental Transactions: 1% (MCC 6513).
• Fee on Fuel & Auto Transactions: 1% for each transaction exceeding ₹10,000, capped at ₹3,000.
• Fee on Utility Spends: 1% on utility spends above ₹50,000 per month per card (MCC 4900).
• Fee on Education Payments via third-party apps: 1%.
• Cheque Return/Dishonour/Auto debit reversal fee: ₹500.
• Fee on FASTag loading and Toll Payment above ₹10,000 per transaction: 1% w.e.f. January 07, 2026.
• All charges incur GST @18%.

Verified · harvested from product page · 2026-08-03 · source

Interest-free period

Up to 50 days interest-free (grace) period.

Verified · MITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus) · 2026-08-03 · source

Milestone benefit

• Up to 30,000 reward points annually: 10,000 points on eligible retail spends of ₹2 lakh or more in a membership year.
• Additional 10,000 points on ₹3.5 lakh or more.
• Additional 10,000 points on ₹5 lakh or more.
• Excludes Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Bills2Pay, Miscellaneous, and EMI conversions.

Verified · Terms & Conditions – Platinum Maxima Plus Credit Card · 2026-08-03 · source

Redemption value

• Reward points redeemable at https://rewards.rbl.bank.in.
• Reward redemption fee of ₹99 + GST applicable on redemption of available reward points.
• Points not redeemed within 24 months expire and stand forfeited.

Verified · harvested from product page · 2026-08-03 · source

Reward cap

Maximum 1,000 reward points per month on dining, entertainment, grocery, international and cross border categories.

Verified · Terms & Conditions – Platinum Maxima Plus Credit Card · 2026-08-03 · source

Reward exclusion

Verified · Terms & Conditions – Platinum Maxima Plus Credit Card · 2026-08-03 · source

Dining benefit

10 reward points per ₹100 on dining spends (part of the 5x accelerated earning; capped at 1,000 points per month).

Verified · Terms & Conditions – Platinum Maxima Plus Credit Card · 2026-08-03 · source

Insurance

• Select Credit Card variants offer complimentary insurance coverage for the Cardmember.
• Policy coverage starts from the date of Credit Card set up.
• Specific insurance covers vary by card.
• Refer to Product Terms & Conditions.

Verified · MITC cum Cardmember Agreement (covers all RBL Credit Cards incl. Platinum Maxima Plus) · 2026-08-03 · source

Statement credit

Monthly movie benefit: discount of ₹200 or maximum one free ticket (whichever is lower) on booking movie tickets on BookMyShow using the Card, valid on any day of the week (primary card only).

Verified · Terms & Conditions – Platinum Maxima Plus Credit Card · 2026-08-03 · source

Official terms

https://www.rbl.bank.in/personal-banking/cards/credit-cards/platinum-maxima-plus-credit-card.

Verified · Terms & Conditions – Platinum Maxima Plus Credit Card · 2026-08-03 · source