Platinum Edge Mastercard Credit Card
RBL Bank
last updated: Nov 26, 2025
₹999
₹999
1.99%
6 visits/yr
Contents
A premium lifestyle credit card from RBL Bank designed for frequent diners and travellers. It offers accelerated rewards on dining and online spends, complimentary domestic lounge access, and a low forex markup. The card also includes milestone rewards and movie/entertainment benefits to boost everyday value.
Features of Platinum Edge Mastercard Credit Card which makes it unique
Smart EMI
Instant EMI conversion at checkout
Flexible repayment
Faster than many peers
Spend Analyzer
Track monthly expenses by category with insights
Better budgeting
AI-based analytics
Rewards Structure of Platinum Edge Mastercard Credit Card
Dining
acceleratedRestaurants and food delivery platforms
Higher earn on dining and weekend dining.
Shopping
baseAll merchants
Standard earn rate for general spends.
International Spends
acceleratedOverseas and foreign currency transactions
Extra points on international spends and select partner merchants.
Milestones of Platinum Edge Mastercard Credit Card
Quarterly Milestone
₹50,000 : ₹500 cashback
Annual Milestone
₹2,00,000 : Free flight ticket (partner redemption)
Fees & Charges of Platinum Edge Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Waived on ₹1,00,000 annual spend.
Fee Explanation Standard bank rates apply for overdue amounts and transaction-specific charges.
Lounge Access Benefits with Platinum Edge Mastercard Credit Card
domestic Lounges
goldVisits per year: 4
Guest access: No
Valid for primary cardholder only; subject to lounge network rules.
international Lounges
platinumVisits per year: 2
Guest access: Yes
Access via Priority Pass membership or partner network.
Insurance Coverage with Platinum Edge Mastercard Credit Card
Travel Insurance
₹10,00,000Valid on international trips booked using the card.
Purchase Protection
₹50,000Within 90 days of purchase; T&Cs apply.
Additional Features of Platinum Edge Mastercard Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Up to 3 free add-on cards
Welcome Bonus with Platinum Edge Mastercard Credit Card
Welcome Bonus: 10,000 Reward Points
Bonus Conditions: Valid for new customers only. Points credited after qualifying spend of ₹20,000 within 90 days.
Application Process for Platinum Edge Mastercard Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Available
Step-by-Step Process
Apply online via RBL Bank or Finanjo portal
Upload KYC documents
Receive verification call
Card dispatched within 5-7 business days
Required Documents for Platinum Edge Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Platinum Edge Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Mastercard is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Platinum Edge Mastercard Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have a valid PAN and Aadhaar card.
How Approval Is Decided
- Minimum income ₹30,000/month (salaried)
- Indian resident
- Credit score above 700
Pros of Platinum Edge Mastercard Credit Card
- Strong reward structure
- Free lounge visits
- Attractive milestone bonuses
Cons of Platinum Edge Mastercard Credit Card
- Annual fee (can be high if you do not meet waiver)
- Limited merchant offers outside dining
Frequently Asked Questions about Platinum Edge Mastercard Credit Card
Is there a joining fee?
Yes — ₹999 joining fee. First-year waiver/offers may apply; check current promotions.
How do I get the welcome bonus?
Earn 10,000 reward points after you spend ₹20,000 within 90 days of card issuance.
What are the annual fee waiver conditions?
Spend ₹1,00,000 in a year to have the annual fee waived.
How many domestic lounge visits are included?
Four domestic lounge visits per year for the primary cardholder; guest access depends on tier.
Which mobile wallets are supported?
Card supports Apple Pay, Google Pay, Phone Pay and Paytm for tokenised mobile payments.
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