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RBL Bank Platinum Maxima Credit Card

by Kshitiz V Sharma on

The Bottom Line

RBL Bank Platinum Maxima Credit Card
Average Fee, Low Rewards

10 reward points / ₹100 on dining, entertainment, foreign spends & utility bill payments and 2 points on all other spends.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -2.2%^ -0.4%^ 0.5% 0.9% 1.1%
Est. Monthly Reward (₹) (110) (40) 90 460 1,060
All-India Rewards Rank* 289 271 221 151 113
Within Bank Rank* 41 36 26 10 6
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The RBL Bank Platinum Maxima Credit Card gives 2.5% effective reward on dining, entertainment, foreign spending & utility bill payments and 0.50% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.5-1.1% on spending above ₹20,000 with this card in a month.

The RBL Bank Edition Black Credit Card is the best credit cards in India for food delivery. It offers unlimited 10% rewards on all your Zomato & Blinkit orders.

It has an annual fee of ₹1,499 which can be waived on reaching annual spending of ₹4 lacs.

Based on our sample spending profiles, the Edition Black has a net reward yield of 1.1 – 1.6% for monthly spending above ₹20,000, which makes it the best credit card from RBL Bank at this level of spending.

The RBL Bank Monthly Treats Credit Card is the best entry level credit card from RBL Bank. This card can earn you a net reward yield of 1.3-2.7%, on spending less than ₹20,000 on your card each month. That also makes it one of the best entry level credit cards in India.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card RBL Bank Platinum Maxima Credit Card
Card Type Reward
Reward Features 10 Reward Points / ₹100 on
– Dining
– Entertainment
– Foreign Spends
– Utility Bill Payments

2 Reward Points / ₹100 on all other spends

Milestone Rewards – 10,000 Reward Points on annual spends of ₹2.5 Lacs

– 10,000 Reward Points on annual spends of ₹4 Lacs

Other Rewards – 2 Complimentary Domestic Airport Lounge Visits / Qtr

– 1+1 Movie ticket (Up to ₹200) once in a month at BookMyShow

Rewards Redemption Fee ₹99
Reward Caps 1,000 points p.m. on dining, entertainment, foreign and utility bills
Preferred Redemption Method Redeem on @ ₹ 0.25 / reward point

Fees & Charges

Card RBL Bank Platinum Maxima Credit Card
Joining Fee ₹2,000 + Taxes
Annual Fee ₹2,000 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 47.88%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% transaction amount minimum of ₹500

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