RBL Bank Platinum Maxima Plus Credit Card
RBL Bank · Mastercard
Why this card?
- 2.5% back in reward points on dining and food delivery, entertainment, groceries and international spends, up to ₹250 a month; 0.5% on other spends
- ₹2,500 joining and annual fee
- 8 domestic airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- RBL Bank
- Network
- Mastercard
- Annual Fee
- ₹2,500
- Joining Fee
- ₹2,500
- Reward Type
- points
- Best Reward Rate
- 2.5% on dining (capped at ₹250/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹25,000
- Rates verified
- 2026-10-06
Our verdict
RBL Platinum Maxima Plus earns 10 reward points per ₹100 (about 2.5% back at an assumed ₹0.25 a point) on grocery, dining, entertainment and international spends, up to 1,000 points a month across those categories, with a base of 2 points per ₹100 (about 0.5%). That makes it a points card for daily household spenders who also dine out regularly, at a ₹2,500 joining and annual fee.
Pros
- 10 points per ₹100 on grocery (about 2.5% back) is especially valuable for families, though the 1,000-point monthly cap is shared across the bonus categories
- Base rate of 2 points per ₹100 earns on everyday non-category purchases too
- Milestone bonuses of 10,000 points each at ₹2L, ₹3.5L and ₹5L annual spend help offset the annual fee
- Up to 8 domestic lounge visits a year (2 per quarter, if previous-quarter spend is ₹35,000+)
Cons
- 3.5% forex makes it poorly suited for international travel
- ₹2,500 joining and annual fee with no spend-based fee waiver
- RBL Bank's smaller footprint means fewer physical customer service options
- RBL does not state a per-point value for this card and each redemption carries a ₹99 + GST fee, so check before relying on it