RBL Bank Platinum Maxima Credit Card Review
The RBL Bank Platinum Maxima is a mid-tier rewards card that earns accelerated points on dining, groceries, entertainment and international spends, with milestone bonuses for higher spenders.
The accelerated rate is capped at 1,000 points per billing cycle and the ₹2,000 fee has no spend-based waiver, so its value depends on reaching the milestones.
- 10 points per ₹100 on dining, groceries, entertainment and international spends
- 8,000 welcome points
- Two 10,000-point milestone bonuses
- Monthly BookMyShow ticket offer
- Domestic lounge access for regular spenders
- ₹2,000 annual fee with no spend-based waiver
- Accelerated points capped at 1,000 per billing cycle
- Long exclusion list, including fuel, utilities and rent
- ₹99 fee per redemption
- No fuel surcharge waiver
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | ₹2,000 (no spend-based waiver) |
| Reward redemption fee | ₹99 per redemption |
| Interest | Up to 3.99% a month |
| Fuel | No surcharge waiver; 1% fee on fuel transactions over ₹10,000 |
| Forex markup | Up to 3.5% |
Rewards: how the card earns
| Spend | Points per ₹100 | Cap |
|---|---|---|
| Dining, grocery, entertainment, international | 10 | 1,000 points per billing cycle |
| Other eligible spends | 2 | — |
| Welcome (use within 30 days, fee paid) | 8,000 points | One time |
| Milestone: ₹2.5 lakh annual spend | 10,000 points | Per membership year |
| Milestone: ₹4 lakh annual spend | 10,000 points more | Per membership year |
RBL does not publish a fixed rupee value per point; it depends on the redemption option in the RBL Rewards catalogue.
What earns nothing
Fuel and auto, railways, utilities, rent, wallet loads, insurance, education, government, quasi-cash, cash, Bills2Pay, contracted services, miscellaneous and EMI transactions earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Lounge access | Domestic only, after ₹35,000 spend in the previous quarter (RBL’s product page and T&C differ on 1 or 2 visits a quarter — confirm with the bank) |
| Movies | One free BookMyShow ticket a month, up to ₹100 off, when you book 2 or more tickets |
| Welcome | 8,000 points if you use the card within 30 days and pay the fee on time |
| Fuel | No surcharge waiver |
Eligibility
Issuer
RBL Bank
Fee
₹2,000 a year
Apply via
RBL Bank website
Documents
PAN, Aadhaar, income proof
Who this card is for
- Good fit: people who spend ₹3–4 lakh a year on the card, with a good share on dining, groceries and entertainment, and who will collect both milestones.
- Skip if: you spend less than ₹2.5 lakh a year or mainly on excluded categories — the fee then outweighs the rewards.
Alternatives worth comparing
- Best RBL Bank credit cards
- Best dining cards
- Best movie and entertainment cards
- Annual fee break-even calculator guide
Final verdict
A reasonable rewards card for steady mid-level spenders who will reach the ₹2.5 lakh and ₹4 lakh milestones. Below that, the non-waivable ₹2,000 fee, capped accelerated points and long exclusion list make it hard to beat a lifetime-free cashback card.
Frequently asked questions
What is the Platinum Maxima annual fee?
₹2,000 + GST a year, with no spend-based waiver.
How many points do I earn?
10 points per ₹100 on dining, grocery, entertainment and international spends (up to 1,000 points per billing cycle) and 2 per ₹100 on other eligible spends.
What are the milestone benefits?
10,000 points on ₹2.5 lakh annual spend and another 10,000 on ₹4 lakh.
Does it have lounge access?
Domestic lounge access after spending ₹35,000 in the previous quarter.
What is the movie benefit?
One free BookMyShow ticket a month, worth up to ₹100, when you book two or more tickets.
Last verified: October 2026, against RBL Bank’s Platinum Maxima page, T&C and schedule of charges (4 Jun 2026). Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.