RBL Bank Platinum Maxima Plus Credit Card
RBL Bank
₹2,500
Joining fee
₹2,500
Annual fee
No spend-based waiver available; the 10,000-point welcome bonus is designed to offset the fee instead.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹60,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 730+
Estimated — not officially confirmed by the bank.
Card positioned for 'emerging affluent professionals' (official positioning language, not a hard eligibility rule)
Lounge access
8 domestic / 0 international visits per year
International: not offered
Domestic Condition: 2 visits/quarter (up to 8/year); official page requires Rs 35,000+ spend in previous calendar quarter, aggregator omits this condition (likely omission, not contradiction)
Reward details
2 reward points per Rs 100 (all other categories)
- 10 reward points per Rs 100 (5X) on Dining, entertainment, grocery, international transactions — 1,000 points/month across category
Welcome bonus: 10,000 reward points on first transaction within 30 days (requires annual fee payment)
- Rs 2 lakh annual spend: 10,000 points
- Rs 3.5 lakh annual spend: additional 10,000 points
- Rs 5 lakh annual spend: additional 10,000 points (up to 30,000/year total)
Redemption
Air travel, hotel stays, and shopping vouchers
Excluded from rewards: railways, fuel, auto, utilities, real estate, rental, insurance, wallet services, education, quasi-cash, government services, contracted services, cash, miscellaneous
- Buy 1 Get 1 free movie ticket on BookMyShow, up to Rs 200, once a month (up to Rs 2,400/year per aggregator)
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Accelerated rewards on everyday spends; welcome bonus helps offset joining fee; movie ticket discounts valued by frequent moviegoers; domestic lounge access appreciated; milestone bonuses achievable for moderate spenders — Paisabazaar
Complaints
- Reward capping limits earning potential; no international lounge access despite premium positioning; no annual fee waiver option; limited categories qualify for accelerated rewards — Paisabazaar
Sources
- Official — fees, eligibility, lounge, rewards
- Aggregator — fees, forex, lounge, rewards, sentiment