← Part of RBL Credit Cards in India
The RBL Platinum Maxima Credit Card, with an annual fee of ₹2,000, offers significant benefits for lifestyle, travel, and entertainment in 2026. Cardholders can access 1 complimentary domestic airport lounge visit per quarter and enjoy a “Buy 1 Get 1 Free” movie ticket offer on BookMyShow up to 15 times annually.
| Parameter | Details |
|---|---|
| Card Type | Lifestyle, Rewards, Travel, Entertainment |
| Joining Fee | ₹2,000 |
| Annual Fee | ₹2,000 (from second year onwards) |
| Welcome Bonus | 10,000 reward points (on first transaction and annual fee payment within 30 days) |
| Reward Points Redemption | Air travel, hotel stays, shopping vouchers via RBL Rewards platform (1 RP = ₹0.11 to ₹0.25) |
| Domestic Airport Lounge Access | 1 complimentary visit per calendar quarter (4 annually), requires ₹35,000 spend in previous quarter |
| Movie Ticket Offer | Buy 1 Get 1 free on BookMyShow (up to ₹200 discount, once per month, up to 15 times a year) |
| Milestone Benefits | Up to 20,000 bonus reward points annually (10,000 points on ₹2.5 lakh spend, additional 10,000 points on ₹4 lakh annual spend) |
| Finance Charges | Up to 3.99% per month (47.88% annually) |
| Cash Advance Fee | 2.5% of withdrawn amount (minimum ₹500) |
| Late Payment Fee | 15% of due amount (minimum ₹50, maximum ₹1,250) |
| Over-limit Fee | ₹600 |
| Foreign Transaction Fee | 3.5% |
| Fuel Surcharge | 1% of transaction value (minimum ₹10) |
| Reward Redemption Fee | ₹99 + GST |
| Application Process | Online via RBL Bank website or offline at nearest RBL Bank branch |
| Digital Application Authentication | One Time Password (OTP) method |
| International Acceptability | Yes, accepted globally |
The card’s reward structure offers 0.5% back on everyday purchases, making IT suitable for users seeking consistent benefits across various spending categories.
Rewards & Benefits Breakdown
The RBL Bank Platinum Maxima Credit Card offers a strong rewards program with accelerated points on specific categories, alongside lifestyle benefits like movie ticket discounts and airport lounge access. Cardholders can earn up to 10 Reward Points per ₹100 spent on dining, entertainment, and international transactions, significantly boosting savings.
| Type/Category | Details | Key Feature |
|---|---|---|
| Welcome Benefit (Platinum Maxima Plus) | 10,000 Reward Points | On making the first purchase within 30 days of card issuance and annual membership payment (as of 2026) |
| Reward Points (General Spends) | 2 Reward Points for every ₹100 spent | Redeemable on the RBL Rewards platform for various options |
| Accelerated Reward Points (Platinum Maxima) | 10 Reward Points on every ₹100 spent | Applicable on dining, entertainment, utility bill payments, fuel, and international purchases; capped at 1,000 Reward Points per transaction |
| Accelerated Reward Points (Platinum Maxima Plus) | Up to 10 Reward Points on every ₹100 spent | Applicable on grocery, entertainment, dining, and international transactions (5X rewards) |
| Movie Benefits | Buy 1 Get 1 free movie ticket on BookMyShow, up to ₹200 discount | Once per card per month, up to 15 times in a calendar year (as of 2026) |
| Airport Lounge Access (Platinum Maxima) | 1 complimentary domestic lounge visit per calendar quarter | Access by showing the Platinum Maxima Credit Card at major Indian airports |
| Airport Lounge Access (Platinum Maxima Plus) | 2 complimentary domestic lounge accesses per quarter | Requires spending ₹35,000 or more in the previous calendar quarter (as of 2026) |
| Milestone Benefits (Platinum Maxima Plus) | Additional 10,000 Reward Points each | On reaching annual spends of ₹3.5 lakh and ₹5 lakh, totaling up to 20,000 bonus points annually |
| Fuel Surcharge Waiver (Platinum Maxima Plus) | 1% fuel surcharge waiver at all fuel stations | For fuel transactions between ₹500 and ₹4,000 |
| Reward Redemption Value | 1 Reward Point equals ₹0.11 to ₹0.25 | Value varies based on redemption category on rblrewards.rbl.bank.in (as of 2026) |
| Reward Redemption Fee | ₹99 + GST | Charged once per day when redeeming reward points through RBL Rewards |
| Annual Savings Potential | Up to ₹5,000 per year | Through accumulated rewards and benefits (as of 2026) |
The card’s benefits are structured to reward frequent spending across lifestyle categories, with higher-tier benefits for the Platinum Maxima Plus variant. Cardholders should track their spending to maximize milestone bonuses and lounge access eligibility.
Fees, Charges & Eligibility 2026
The RBL Bank Platinum Maxima Credit Card carries an annual membership fee of ₹2,000, with a similar joining fee. Cardholders can expect finance charges up to 3.99% per month (47.88% annually) on outstanding balances, as of 2026. Eligibility requires applicants to be Indian residents, at least 21 years old, with a good credit history and a minimum monthly income of ₹45,000.
| Metric | Value (as of 2026) | Source |
|---|---|---|
| Annual Membership Fee | ₹2,000 | RBL Bank Official Website |
| Joining Fee | ₹2,000 | RBL Bank Official Website |
| Finance Charges | Up to 3.99% per month (47.88% p.a.) | RBL Bank Official Website |
| Cash Advance Fee | 2.5% of withdrawn amount (minimum ₹500) | RBL Bank Official Website |
| Late Payment Fee | 15% of due amount (minimum ₹50, maximum ₹1,250) | RBL Bank Official Website |
| Over-limit Fee | ₹600 | RBL Bank Official Website |
| Foreign Transaction Fee | 3.5% | RBL Bank Official Website |
| Fuel Surcharge | 1% of transaction value (minimum ₹10) | RBL Bank Official Website |
| Reward Redemption Fee | ₹99 + GST | RBL Bank Official Website |
| Minimum Age for Applicant | 21 years | RBL Bank Official Website |
| Minimum Monthly Income for Applicant | ₹45,000 | RBL Bank Official Website |
| Residency Status | Indian Resident | RBL Bank Official Website |
| Credit History | Good credit history required | RBL Bank Official Website |
| Application Process | Online via RBL Bank website or offline at branch | RBL Bank Official Website |
The RBL Platinum Maxima Credit Card’s fee structure is competitive for its benefits, with waivers often available on the annual fee based on spending thresholds. Always confirm the latest fees and eligibility criteria directly with RBL Bank before applying.
How to Apply for the Card
Applying for the RBL Platinum Maxima Credit Card in 2026 is a straightforward process, available through both online and offline channels. Most applicants can complete the digital application via the RBL Bank website, which uses an OTP method for authentication.
The application process typically involves submitting required documents and meeting the eligibility criteria outlined by RBL Bank.
- Online Application: Visit the official RBL Bank website and to the ‘Credit Cards’ section. Select the Platinum Maxima Credit Card to begin the online application form.
- Digital Authentication: The online application process uses a One Time Password (OTP) method for digital approval and authentication, ensuring secure processing.
- Offline Application: Alternatively, visit your nearest RBL Bank branch to fill out a physical application form. Carry all necessary documents for submission.
- Required Documents: Prepare identity proof (e.g., Aadhaar, Passport), address proof (e.g., utility bill), and income proof (e.g., salary slips, bank statements) as per RBL Bank’s requirements.
- Eligibility Check: Ensure you meet the card’s eligibility criteria, including age, income, and CIBIL score, before applying to increase approval chances.
- Application Deadline: While applications are generally ongoing, specific promotional offers might have deadlines, such as May 09, 2026, for certain benefits.
- RBL Bank Employee Assistance: For some applications, an RBL Bank employee may contact you directly to assist with processing your request and clarifying any details.
- Application Status: After submission, you can typically track your application status online using a reference number provided by RBL Bank.
Upon successful application and verification, RBL Bank will dispatch your Platinum Maxima Credit Card to your registered address.
Platinum Maxima Vs. Maxima Plus
The RBL Platinum Maxima Credit Card and Platinum Maxima Plus Credit Card offer distinct benefits, with the Plus variant providing d travel and reward features for a slightly higher annual fee. As of 2026, the Platinum Maxima Plus card carries an annual fee of ₹2,500, compared to ₹2,000 for the standard Platinum Maxima card.
| Feature | RBL Platinum Maxima Credit Card | RBL Platinum Maxima Plus Credit Card |
|---|---|---|
| Annual Membership Fee | ₹2,000 | ₹2,500 |
| Welcome Benefit | Not specified | 10,000 Reward Points (on first use within 30 days and annual fee payment) |
| Complimentary Domestic Airport Lounge Access (per quarter) | 1 visit (on ₹35,000+ spend in previous quarter) | 2 visits (on ₹35,000+ spend in previous quarter) |
| Total Annual Complimentary Domestic Airport Lounge Access | 4 visits | 8 visits |
| BookMyShow Offer (Buy 1 Get 1 Free Movie Ticket) | Once per month (Max discount ₹200) | Once per month (Max discount ₹200) |
| Reward Points on General Spends (per ₹100) | 2 Reward Points | 2 Reward Points |
| Accelerated Rewards (on Dining, Entertainment, Grocery, International) | Not explicitly mentioned as accelerated | 10 Reward Points (5X) for every ₹100 spent |
| Spend-Based Milestone Bonus Rewards | Not specified | Up to ₹7,500 |
| Reward Savings Potential | 0.5% on everyday purchases | 2.5% on specific categories (grocery, entertainment, dining, international) |
| Finance Charges (per month) | Up to 3.99% | Up to 3.99% |
| Cash Advance Fee | 2.5% of withdrawn amount (minimum ₹500) | 2.5% of withdrawn amount (minimum ₹500) |
| Foreign Transaction Fee | 3.5% | 3.5% |
The Platinum Maxima Plus card offers double the complimentary lounge access and significantly higher reward earnings on specific spending categories, justifying its slightly increased annual fee for frequent travelers and high spenders.
Redeeming Reward Points
The RBL Platinum Maxima Credit Card allows you to redeem earned reward points for various benefits, including air travel, hotel stays, and shopping vouchers. Each reward point holds a value ranging from ₹0.11 to ₹0.25, depending on the redemption choice (Source: rblrewards.rbl.bank.in).
- Online Redemption Portal: Cardholders can redeem points via the RBL Rewards platform, offering a flexible catalogue of options.
- Travel Benefits: Points can be converted into air tickets or hotel bookings, travel experiences.
- Shopping Vouchers: A wide selection of shopping vouchers from various brands is available for redemption.
- Reward Redemption Fee: A fee of ₹99 plus GST applies to each reward redemption request.
- BookMyShow Offer: The card provides a Buy 1 Get 1 free movie ticket offer on BookMyShow, usable once per card per month with a maximum discount of ₹200.
Understanding the redemption value helps maximise the benefits from your accumulated reward points.
Important Terms & Conditions
The RBL Bank Platinum Maxima Credit Card carries an annual membership fee of ₹2,000 as of 2026. Cardholders must spend ₹35,000 or more in a calendar quarter to qualify for complimentary airport lounge access.
- Annual Fee: The RBL Platinum Maxima Credit Card has an annual fee of ₹2,000. The Platinum Maxima Plus variant has an annual fee of ₹2,500.
- Finance Charges: Interest on outstanding balances can be up to 3.99% per month, which translates to 47.88% annually.
- Cash Advance Fee: A fee of 2.5% of the withdrawn amount, with a minimum of ₹500, applies to cash advances.
- Late Payment Fee: Cardholders incur a late payment fee of 15% of the due amount, ranging from a minimum of ₹50 to a maximum of ₹1,250.
- Foreign Transaction Fee: A 3.5% fee is charged on all international transactions made with the card.
- Fuel Surcharge: A 1% fuel surcharge applies to transactions, with a minimum charge of ₹10.
- Reward Redemption Fee: A fee of ₹99 plus GST is applicable for redeeming reward points through the RBL Rewards platform.
Understanding these terms helps manage card usage and avoid unexpected charges.
Key Takeaways
- The RBL Platinum Maxima Credit Card has an annual fee of ₹2,000, while the Platinum Maxima Plus variant costs ₹2,500 annually.
- Finance charges can reach 47.88% per annum, and a 3.5% foreign transaction fee applies to international spending.
- Complimentary lounge access requires a minimum spend of ₹35,000 in the preceding calendar quarter.
For detailed terms and to apply, visit the official RBL Bank website or your nearest RBL Bank branch by May 9, 2026.
Frequently Asked Questions (FAQs)
What is the annual fee for the RBL Bank Platinum Maxima Credit Card in 2026?
The RBL Bank Platinum Maxima Credit Card has an annual membership fee of ₹2,000. This fee grants access to various lifestyle benefits, including movie offers and lounge access. The card aims to provide maximum benefits across categories like food, travel, and shopping.
What are the complimentary airport lounge access benefits with the RBL Platinum Maxima Credit Card?
The RBL Platinum Maxima Credit Card offers one complimentary airport lounge visit per calendar quarter at domestic lounges across major Indian airports. To avail this benefit, cardmembers simply need to present their Platinum Maxima Credit Card at the lounge. The Platinum Maxima Plus variant offers two complimentary lounge accesses per quarter if you spend ₹35,000 in the previous quarter.
How can I get Buy 1 Get 1 free movie tickets with the RBL Platinum Maxima Credit Card?
You can avail the ‘Buy 1 Get 1’ movie ticket offer by selecting the ‘RBL Bank Buy 1 Get 1 Offer’ on the BookMyShow website or mobile app. This offer provides a maximum discount of ₹200 and can be used once per card per month. The benefit is available up to 15 times in a calendar year.
What are the reward points redemption options for the RBL Platinum Maxima Credit Card?
Reward points earned on the RBL Platinum Maxima Credit Card can be redeemed through the RBL Rewards platform. Options include air travel, hotel stays, and shopping vouchers. The program offers flexibility to align with your lifestyle and spending preferences.
What is the reward rate on everyday purchases with the RBL Platinum Maxima Credit Card?
The RBL Platinum Maxima Credit Card earns rewards at a rate of 0.5% on everyday purchases. This means for every ₹100 spent, you typically earn 0.5 reward points. Specific bonus categories may offer higher reward rates, so check the latest terms.
Does the RBL Platinum Maxima Credit Card offer a fuel surcharge waiver?
Yes, the RBL Platinum Maxima Credit Card includes a fuel surcharge waiver. This benefit helps reduce costs on fuel transactions. Specific terms and conditions, including maximum waiver limits, apply as per RBL Bank’s policy.
What are the eligibility criteria for the RBL Platinum Maxima Credit Card in India?
To be eligible for the RBL Platinum Maxima Credit Card, applicants must be residents of India and possess a good credit history. RBL Bank assesses factors like income, employment status, and CIBIL score. A CIBIL score above 750 generally improves approval chances.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.