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

Introduction

The RBL Bank Platinum Plus SuperCard, issued by RBL Bank, is a mid-range credit card designed to complement various spending habits, offering high savings on categories like electronics, groceries, automobiles, and fashion. Key differentiating benefits include a monthly fuel surcharge waiver, free movie tickets every month, and extensive financial flexibility options such as interest-free cash withdrawals and various loan facilities.

Welcome Benefits

• Receive 4,000 reward points upon paying the joining fee and spending ₹2,000 within 30 days of card issuance.

Fees

• Joining Fee: Rs.999 plus service tax.
• Annual Fee: Rs.999 plus service tax.
• Spend-Based Waiver: The annual fee of Rs.999 plus service tax is waived if you spend Rs.1,00,000 or more per annum.
• Cash Advance Charges: A 2.5% fee is applicable on interest-free cash withdrawals from ATMs.
• Rewards Redemption Fee: Rs.99 plus GST per redemption request. This is a one-time fee charged per day, regardless of the number of redemptions made on that day.

Rewards

• Reward Points:
  • Welcome Bonus: Get 4,000 reward points when you pay your joining fee and spend ₹2,000 within 30 days of card issuance.
  • Annual Bonus: Earn 10,000 bonus reward points for spending ₹1,50,000 or more in a year.
  • Accelerated Rewards: Earn 2X reward points on all your online purchases.
  • Standard Rewards: Get 1 reward point for every ₹100 you spend on other categories.
• Movies:
  • Enjoy a buy one, get one free movie ticket (up to ₹200) on BookMyShow once a month, valid Monday-Friday. The estimated annual value for this benefit is Rs.2,400.
• Fuel:
  • Save up to ₹100 every month on fuel surcharges at any station across India. The estimated annual value for this benefit is Rs.1,200.
• Lounge Access:
  • The card benefits for 2 complimentary domestic airport lounge visits were discontinued in July 2025.
• Financial Flexibility:
  • Make unlimited cash withdrawals from any ATM in India for up to 50 days without any interest (a 2.5% fee applies).
  • Convert your cash limit into a 3-month personal loan at a low interest rate of 1.16% per month, with no processing fee.
  • Use the "Split n Pay" feature to turn any purchase over ₹3,000 into easy monthly installments.
  • The "Transfer n Pay" facility allows you to move outstanding balances from other credit cards to your SuperCard and pay them off in affordable EMIs.
  • Access pre-approved funds without blocking your credit limit through "Dial for Cash" and "Xpress Cash".
• Overall Value:
  • The total value of your annual benefits with this card is estimated to be Rs.11,000 and above.

Rewards Redemption Guide

• Reward points can be redeemed via the RBL Bank Rewards Portal.
• A redemption charge of Rs.99 plus GST applies per redemption request. This is a one-time fee charged per day, for the entire day, no matter how many redemptions you make.

Card Eligibility Criteria

• The credit limit on your credit card will be determined by the bank, taking into account factors like your credit score, credit utilization ratio, and past repayment habits.

Documents Required

• Proof of Address:
  • Ration Card
  • Passport
  • Voter ID
  • Aadhaar card
• Identity Proof:
  • Driving Licence
  • Passport
  • Aadhaar card
  • Pan card
• Income Proof:
  • Form 16
  • IT Returns
  • Salary Slip
• This list of documents is indicative, and the bank might ask you to submit other documents depending on what is required.

Important Product Details

• Positive Highlights:
  • Offers a substantial welcome bonus and annual bonus reward points.
  • Provides accelerated reward points on online purchases, catering to digital spending habits.
  • Includes valuable monthly benefits such as buy one, get one free movie tickets and a fuel surcharge waiver.
  • Features extensive financial flexibility options, including interest-free cash withdrawals, instant personal loans, EMI conversion for purchases, balance transfer facilities, and pre-approved loans.
  • The annual fee can be waived based on a reasonable annual spending threshold.
  • The card offers an estimated total annual benefits value of Rs.11,000 and above.
• Negative Highlights:
  • Complimentary domestic airport lounge access, previously a benefit, was discontinued in July 2025.
  • A processing fee of 2.5% is charged for interest-free cash withdrawals.
  • A redemption fee of Rs.99 plus GST is applied to all reward point redemption requests.

Other Details

• The card can be used for international transactions. It is recommended to inform RBL Bank before traveling internationally to prevent the card from being blocked for security reasons.
• All benefits and features are subject to the bank's Terms & Conditions.