Find my best card →
faayda.com › cards › RBL Bank Platinum Maxima Plus Credit Card
RBL Bank · Mastercard World · हिन्दी

RBL Bank Platinum Maxima Plus Credit Card: full review

The RBL Platinum Maxima Plus delivers solid mid-tier value. Welcome RP covers Year 1 cost, BOGO movies add ₹2,400/year in entertainment savings, and milestone bonuses reward consistent spenders. The 1,000 RP/month cap on accelerated categories is a limitation for heavy spenders, but for moderate dining and grocery users it's genuinely rewarding.

Apply now ↗Annual fee: ₹2,500 + taxes
Last updated: August 2026 · Current terms verified
RBL BANK
)))
PLATINUM MAXIMA
ASHOK KUMAR
12/28
₹2,500 + taxes (no spend-based fee waiver; 10,000 welcome RP worth ₹2,500 offsets joining fee)Annual fee
2.5% on dining, entertainment, grocery and international spends (10 RP/₹100, capped 1,000 RP/month); 0.5% base; movie BOGOReward structure
8 domestic visits/year (2 per quarter)Lounge access

Key benefits of the RBL Bank Platinum Maxima Plus Credit Card

10 reward points per ₹100 on dining, entertainment, grocery and international spends (1 RP = ₹0.25; 2.5% effective; capped 1,000 RP/month)2 reward points per ₹100 on all other eligible retail spends (0.5%)1 RP = ₹0.25 for travel/shopping redemptions (note: some options as low as ₹0.11/RP)10,000 welcome reward points (worth ₹2,500) on first transaction within 30 days, offsets joining feeBuy 1 Get 1 movie ticket on BookMyShow every month (max ₹200 off per ticket)8 complimentary domestic lounge visits/year (2 per quarter)Milestone: 10,000 bonus RP on ₹2.5L; additional 10,000 RP on ₹4L annual spend (up to 20,000/year)Fuel surcharge waiver 1% (₹400–₹4,000)
Apply now ↗ Min. income: ₹25,000/month (salaried) · Credit score: 700+
Pros and cons
Pros
✓ Welcome RP offsets joining fee entirely: effective Year 1 cost is zero
✓ BOGO movies every month adds up to ₹2,400/year for regular moviegoers
✓ 8 lounge visits and solid milestone bonuses for mid-tier spenders
✓ Earns on international transactions unlike many domestic cards
Cons
✗ 1,000 RP/month accelerated cap limits value for heavy dining/grocery spenders
✗ 3.5% forex, poor for international use despite earning on international spends
✗ Some redemption options give only ₹0.11/RP, check before redeeming
✗ No spend-based fee waiver option, ₹2,500 is fixed annually
Quick facts
Issuer RBL Bank
Network Mastercard World
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,500 + taxes (no spend-based fee waiver; 10,000 welcome RP worth ₹2,500 offsets joining fee)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹2,500
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic visits/year (2 per quarter)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹25,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 700+
SourceRBL Bank's published card terms and official card page · Last updated August 2026
Calculate your annual benefit

Enter your typical monthly spend to see exactly how much you'd earn with this card.

₹
₹
₹
₹
₹
₹
Enter your monthly spend above to see your benefit
Frequently asked questions
The annual fee for RBL Bank Platinum Maxima Plus Credit Card is ₹2,500 + taxes (no spend-based fee waiver; 10,000 welcome RP worth ₹2,500 offsets joining fee). The joining fee is ₹2,500.
The main benefits of the RBL Bank Platinum Maxima Plus Credit Card are: 10 reward points per ₹100 on dining, entertainment, grocery and international spends (1 RP = ₹0.25; 2.5% effective; capped 1,000 RP/month); 2 reward points per ₹100 on all other eligible retail spends (0.5%); 1 RP = ₹0.25 for travel/shopping redemptions (note: some options as low as ₹0.11/RP); 10,000 welcome reward points (worth ₹2,500) on first transaction within 30 days, offsets joining fee; Buy 1 Get 1 movie ticket on BookMyShow every month (max ₹200 off per ticket); 8 complimentary domestic lounge visits/year (2 per quarter); Milestone: 10,000 bonus RP on ₹2.5L; additional 10,000 RP on ₹4L annual spend (up to 20,000/year); Fuel surcharge waiver 1% (₹400–₹4,000).
2.5% on dining, entertainment, grocery and international spends (10 RP/₹100, capped 1,000 RP/month); 0.5% base; movie BOGO
RBL Bank Platinum Maxima Plus Credit Card is best for Lifestyle spenders wanting dining, grocery and entertainment rewards with lounge access. The RBL Platinum Maxima Plus delivers solid mid-tier value. Welcome RP covers Year 1 cost, BOGO movies add ₹2,400/year in entertainment savings, and milestone bonuses reward consistent spenders. The 1,000 RP/month cap on accelerated categories is a limitation for heavy spenders, but for moderate dining and grocery users it's genuinely rewarding.
The minimum income requirement for RBL Bank Platinum Maxima Plus Credit Card is ₹25,000/month (salaried). A minimum credit score of 700+ is also recommended.
Yes, RBL Bank Platinum Maxima Plus Credit Card offers 8 domestic visits/year (2 per quarter).
RBL Bank Platinum Maxima Plus Credit Card charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Credit Cards for Amazon and Flipkart →
Card reviews
Axis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesAU Bank Zenith Credit CardHigher spenders who can comfortably hit the fee-waiver threshold and will use both domestic and international lounge access regularlyYES Bank POP-Club Credit CardFrequent online/e-commerce shoppers willing to actively redeem within the POP Club app's voucher ecosystem, not simply looking for flat, flexible cashback
Compare with similar cards
RBL Bank Platinum Maxima Plus vs HDFC Millennia Compare →RBL Bank Platinum Maxima Plus vs HDFC Diners Club Privilege Compare →RBL Bank Platinum Maxima Plus vs SBI Card PRIME Compare →
Embed this card
Add this widget to your site
Writing a review or comparison for the RBL Bank Platinum Maxima Plus Credit Card? Embed this live widget. It always shows our current, verified fee and reward rate, so it never goes stale.
Live preview
<iframe src="https://faayda.com/embed/rbl-platinum-maxima-plus"
  width="420" height="260"
  frameborder="0"></iframe>
No sign-up · Free to use
RBL Bank Platinum Maxima Plus₹2,500 + taxes
Apply now ↗