Platinum Edge Visa Credit Card
RBL Bank
last updated: Nov 26, 2025
₹999
₹999
3.5%
4 visits/yr
Contents
Platinum Edge Visa Credit Card is a lifestyle and rewards credit card from RBL Bank designed for everyday use. You earn accelerated reward points on dining, online shopping and travel, along with a strong base reward on other spends. The card offers complimentary domestic airport lounge access, fuel surcharge waivers and useful milestone benefits. It is suitable for urban professionals who want easy rewards, simple eligibility and a moderate annual fee that can be waived with regular usage.
Features of Platinum Edge Visa Credit Card which makes it unique
Smart EMI at Checkout
Select EMI tenure on eligible transactions at partner merchants while paying with your card.
Helps you manage large purchases without straining monthly cash flows.
More flexible tenures and attractive interest rates compared with many standard EMI offers.
Spend Analyzer
Breaks down your monthly card spends by category such as dining, travel, shopping and utilities.
Improves budgeting and helps track lifestyle expenses more effectively.
Simple, app-based insights that make it easier to optimize card usage and rewards.
Rewards Structure of Platinum Edge Visa Credit Card
Dining
baseTransactions at restaurants and food delivery merchants in India
Ideal for customers who frequently dine out or use food delivery apps.
Online Spends
baseE-commerce, travel bookings and bill payments made on Indian websites
Useful for regular online shoppers, bill payers and travel bookings.
Fuel
baseFuel purchases at petrol pumps across India (where allowed by network rules)
Fuel transactions may have separate surcharge waiver conditions.
All Other Spends
baseRetail purchases excluding cash advances, fuel surcharge and restricted categories
Suitable as an everyday primary credit card for regular spends.
Milestones of Platinum Edge Visa Credit Card
Quarterly Spend Milestone
₹50,000 in a calendar quarter : 2,000 bonus reward points
Annual Spend Milestone
₹2,50,000 in a card anniversary year : ₹2,000 worth of travel or shopping vouchers
Fees & Charges of Platinum Edge Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹999 |
| Annual Fee | ₹999 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | 0% |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on total spends of ₹1,00,000 or more in the previous card anniversary year.
Fee Explanation Standard RBL Bank credit card rates apply: late payment fee is typically 12.5% of the outstanding amount (minimum ₹5, maximum ₹1,300). Cash advance and cash withdrawal fees are usually 2.5% of the withdrawn amount with a minimum charge (for example, ₹500). Overlimit fee is commonly charged at around ₹600 when you exceed your assigned credit limit.
Lounge Access Benefits with Platinum Edge Visa Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Up to 1 complimentary visit per quarter at select domestic airport lounges in India for the primary cardholder. Participating lounges and terms are governed by the Visa lounge access program and may change periodically.
international Lounges
silverVisits per year: 0
Guest access: No
International lounge visits are generally chargeable. Cardholders may access paid lounges or third-party programs; pricing and offers vary by airport and partner.
Insurance Coverage with Platinum Edge Visa Credit Card
Travel Insurance
Up to ₹10,00,000Coverage may include accidental air death, trip delay, baggage loss and other travel-related benefits on tickets purchased using the card. Exact coverage and exclusions are defined in the policy document.
Purchase Protection
Up to ₹50,000Protects eligible retail purchases made using the card against theft or accidental damage for a limited period (for example, 90 days) from the date of purchase, subject to policy terms.
Additional Features of Platinum Edge Visa Credit Card
Contactless Payments
Tap-and-pay enabled for fast and secure small-ticket transactions.
Contactless limits and PIN requirements follow RBI and network guidelines.
Add-on Cards
Up to 3 add-on cards for family members at no additional annual fee.
Primary cardholder is responsible for all transactions made on add-on cards.
Easy EMI Conversion
Convert high-value purchases into affordable EMIs directly from the statement or via internet banking.
Minimum transaction amount, interest rate and tenure options depend on RBL Bank’s prevailing EMI offers.
Welcome Bonus with Platinum Edge Visa Credit Card
Welcome Bonus: 4,000 Reward Points
Bonus Conditions: Pay the joining fee in the first statement cycle and spend at least ₹2,000 within 30 days of card issuance to receive the welcome bonus reward points.
Application Process for Platinum Edge Visa Credit Card
Processing Time
5–7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the Finanjo Platinum Edge Visa Credit Card page and click on the apply button.
Fill in your basic details such as name, mobile number, email ID and city.
Provide employment, income and KYC details and upload the required documents.
Complete video KYC or in-person verification if required by RBL Bank.
Upon approval, the physical card is dispatched to your registered address and the card details are shared securely.
Required Documents for Platinum Edge Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
Platinum Edge Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at most Visa-enabled merchants and payment terminals across India for in-store and online transactions.
International Acceptance
Accepted at millions of Visa partner merchants and ATMs worldwide for purchases and cash withdrawals.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Platinum Edge Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable income, a clean credit history with no recent defaults, and a valid PAN and Aadhaar. Final eligibility is determined by RBL Bank’s internal credit policies.
How Approval Is Decided
- Minimum monthly income meeting RBL Bank’s internal policy for this card variant.
- Age between 21 and 70 years at the time of application.
- Indian residency with valid KYC documents (PAN and Aadhaar).
- Healthy credit profile with a credit score of around 650 or higher and no recent major defaults.
Pros of Platinum Edge Visa Credit Card
- Good reward structure on dining, online purchases and everyday spends.
- Complimentary domestic airport lounge access for the primary cardholder.
- Annual fee waiver on achieving comfortable yearly spend targets.
- Useful milestone benefits that boost total reward value.
- Support for popular mobile wallets and contactless payments.
Cons of Platinum Edge Visa Credit Card
- Forex markup fee is similar to many standard credit cards and not zero.
- International lounge access is not complimentary and may require separate paid programs.
- Best value is realized only when you actively redeem reward points and use milestones.
- Late payment and cash advance charges can be high if you revolve outstanding balances.
Frequently Asked Questions about Platinum Edge Visa Credit Card
What is the annual fee for the Platinum Edge Visa Credit Card?
The annual fee is ₹999 plus applicable taxes, and it is waived when you spend ₹1,00,000 or more in the previous card anniversary year.
How many complimentary airport lounge visits do I get with this card?
You can enjoy up to 4 complimentary domestic airport lounge visits per year, limited to 1 visit per quarter at participating lounges in India.
What rewards do I earn on my everyday spends?
You earn 4 Reward Points per ₹100 on dining, 3 Reward Points per ₹100 on online spends, 2 Reward Points per ₹100 on other retail purchases and base rewards on eligible fuel transactions, subject to program terms.
What is the forex markup fee on international transactions?
The forex markup fee is typically 3.5% of the transaction value on international and foreign currency spends, plus applicable taxes.
Can I convert my purchases into EMIs on this card?
Yes, you can convert eligible high-value purchases into EMIs through the RBL Bank app, internet banking or customer care, based on the bank’s prevailing EMI offers and minimum transaction criteria.
Does this card support mobile wallets and contactless payments?
Yes, the card supports contactless tap-and-pay transactions and can be linked to popular mobile wallets such as Google Pay, PhonePe, Paytm and Amazon Pay, wherever enabled by the bank and the wallet provider.
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