RBL Bank Platinum Maxima Credit Card – Benefits, Fees & Eligibility

Introduction

The Platinum Maxima Credit Card, issued by RBL Bank, is positioned as a mid-range card designed to cater to diverse lifestyle needs, offering benefits across food, travel, movies, and groceries. Its key differentiating benefits include a substantial welcome bonus of 8,000 reward points, complimentary movie tickets every month, and access to airport lounges across India.

Welcome Benefits

• Get 8,000 bonus reward points as a welcome benefit.
• To avail the welcome benefit, swipe and use your card within 30 days of card issuance.
• The annual membership fee must be paid by the payment due date.
• Welcome Benefit Reward Points will be credited to your account within 60 days from the date of card issuance.

Fees

• Joining Fee: INR 2,000 + GST.
• Renewal Fee: INR 2,000 + GST (implied as annual membership fee).
• Rewards Redemption Fee: INR 99 + GST will be applicable on redemption of available reward points. This fee is levied once for all redemptions made in a single day.

Rewards

Reward Points Earning

• Earn 10 reward points for every INR 100 spent on Dining, Grocery, Entertainment, and International purchases (up to a maximum of 1,000 Reward Points per month in these categories).
• Earn 2 reward points for every INR 100 spent on other purchases.
• Reward points earned in a given month will be credited to your account within 45 days from the purchase settlement date.

Milestone Benefits

• Spend INR 2.5 lakhs or more in a year and get 10,000 reward points.
• Spend INR 4 lakhs or more in a year and enjoy an additional 10,000 bonus reward points.
• Milestone benefit reward points will be credited to your account within 45 days from the date of crossing the corresponding milestone.

Movies

• Get one complimentary movie ticket free, up to INR 100, every month on the purchase of 2 or more tickets at BookMyShow.
• To avail, select the RBL Bank Buy 1 Get 1 Offer under the Offers/Discounts section on the BookMyShow website or mobile app.

Domestic Lounge

• Primary cardmembers are eligible for 1 complimentary airport lounge access within India per quarter.
• Eligibility requires spending INR 35,000 or more in the previous calendar quarter.

Exclusions for Reward Points, Milestone Benefits & Lounge Benefits

• Purchases made on select categories/MCCs (as defined by Visa/Mastercard/RuPay) are not eligible for reward points, milestone benefits, or lounge benefits. These include:
  • Fuel
  • Utilities
  • Insurance
  • Quasi-Cash
  • Railways
  • Real Estate/Rental
  • Education
  • Wallet/Service Providers
  • Government Services
  • Contracted Services
  • Cash
  • Miscellaneous
  • Bills2Pay
  • EMI conversion of retail transactions (including converting retail transactions to EMI, Split-N-Pay, EMI conversion requests placed at the time of making transactions at POS/Web/Mobile App).

Rewards Redemption Guide

• Reward points can be redeemed at www.rblrewards.com.

Important Product Details

• Welcome Bonus: Receive 8,000 reward points upon card usage within 30 days and payment of the annual fee.
• Accelerated Rewards: Earn 10 reward points per INR 100 on Dining, Grocery, Entertainment, and International spends (capped at 1,000 points monthly in these categories).
• Milestone Rewards: Earn up to 20,000 bonus reward points annually for reaching spending milestones of INR 2.5 lakhs and INR 4 lakhs.
• Movie Benefit: Enjoy one complimentary movie ticket (up to INR 100) monthly on BookMyShow when purchasing two or more tickets.
• Lounge Access: Get 1 complimentary domestic airport lounge access per quarter by spending INR 35,000 in the previous quarter.
• Annual Fee: An annual membership fee of INR 2,000 + GST applies.
• Reward Redemption Fee: A fee of INR 99 + GST is charged per redemption instance.
• Exclusions: Certain categories of spending (e.g., Fuel, Utilities, Insurance) are excluded from earning reward points, milestone benefits, and qualifying for lounge access.

Other Details

• General Terms & Conditions apply to all benefits and features of the card.
• Information regarding "How to apply?", "Withdrawal limits", "Conclusion (CTA)", "High interest rates", and "Free transaction limits" is mentioned but not detailed.
• Detailed Product Terms & Conditions, Most Important Terms and Conditions, and Cardmember Agreement are available for reference.