Lumiere Credit Card
RBL Bank
last updated: Nov 28, 2025
₹50,000
₹50,000
Free
No lounge access
Contents
RBL Bank Lumiere Credit Card is an invite-only, ultra-premium metal credit card crafted for high-net-worth individuals in India. It focuses on luxury travel benefits, rare lifestyle experiences, exclusive memberships and sustainability-led privileges. Cardholders are supported by the Select Circle, a concierge-style relationship team that anticipates needs and curates bespoke moments. Lumiere is currently in a limited launch phase, with additional features and detailed program information expected to be announced soon.
Features of Lumiere Credit Card which makes it unique
Invite-Only Ultra-Premium Segment
Access restricted to a carefully selected set of high-value customers, emphasising rarity and exclusivity.
Preserves the card’s aspirational positioning and ensures highly curated service.
Targets the same elite segment as top-tier metal cards from leading Indian and global issuers.
Select Circle Relationship Experience
A dedicated circle that anticipates your needs, curates journeys and manages lifestyle requests in the background.
Saves time for busy HNIs by handling complex travel, dining and experience planning.
Closer to a private banking experience than a standard credit card helpline.
Rewards Structure of Lumiere Credit Card
All Spends
baseApplicable on eligible retail transactions as defined by RBL Bank.
RBL Bank has not yet disclosed the detailed rewards grid for Lumiere. Exact earn rate, exclusions and caps will be shared closer to the full launch.
Milestones of Lumiere Credit Card
High-Spend Lifestyle Privileges
To be announced : Curated experiences, memberships or vouchers for top-spending Lumière customers (details awaited).
Fees & Charges of Lumiere Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹50,000 |
| Annual Fee | ₹50,000 |
| Forex Markup Fee | 0 |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | 0 |
| Returned Payment Fee | 0 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:High annual membership fee; waiver or renewal offers, if any, will be communicated by RBL Bank at launch.
Fee Explanation Lumière is a by-invitation, ultra-premium metal credit card with a ₹50,000 + GST annual fee. Detailed charges for forex markup, cash advance, late payment and overlimit usage are yet to be published in the official schedule of charges.
Lounge Access Benefits with Lumiere Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
Complimentary domestic airport lounge access is expected for Lumiere cardholders; exact number of visits and guest policy will be announced by RBL Bank.
international Lounges
silverVisits per year: 0
Guest access: No
International lounge access and elite airport services are positioned as key benefits; detailed program structure is still to be shared.
Insurance Coverage with Lumiere Credit Card
Travel Insurance
To be announcedLikely to include high-value coverage for international trips, flight delays, baggage loss and medical emergencies; details awaited.
Lifestyle & Purchase Protection
To be announcedMay include protection for high-value purchases and select luxury experiences, subject to terms to be published.
Additional Features of Lumiere Credit Card
Metal Card Construction
18-gram finely crafted metal card designed as a status symbol for ultra-premium customers.
Available only to invited Lumiere Credit Card members.
Select Circle Concierge
Dedicated Select Circle relationship and concierge team for end-to-end lifestyle, travel and banking assistance.
Access available for qualified Lumiere customers as per RBL Bank’s internal criteria.
Sustainability-led Initiatives
Positioned with sustainability-focused benefits and experiences aligned to responsible luxury.
Exact initiatives, partners and eligibility will be disclosed over time.
Coming Soon Features
Additional benefits, offers and program details will be updated as RBL Bank expands the Lumière ecosystem.
Features are subject to change and may be rolled out in phases.
Welcome Bonus with Lumiere Credit Card
Welcome Bonus: Curated luxury experiences and lifestyle privileges for new Lumière Credit Card members.
Bonus Conditions: Exact welcome benefits, partners and eligibility criteria are yet to be officially announced by RBL Bank.
Application Process for Lumiere Credit Card
Processing Time
Invitation-based; approval timeline depends on internal profiling and relationship review.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official RBL Bank Lumiere Credit Card page and submit an expression of interest form or contact your relationship manager.
RBL Bank reviews your profile, existing relationship, income, credit history and overall eligibility for the invite-only Lumiere program.
If shortlisted, you receive a formal invitation along with detailed terms, fee information and documentation requirements.
Complete KYC, submit requested documents and accept the Lumiere Credit Card terms and conditions.
Upon approval, your personalised metal Lumiere Credit Card is manufactured, etched with your name and dispatched to your registered address.
Required Documents for Lumiere Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried / self-employed (as applicable)Accepted documents:
Lumiere Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most POS terminals and online merchants that support Visa credit cards.
International Acceptance
Designed for global usage at Visa-enabled merchants worldwide, particularly for travel and luxury spends.
Online Acceptance
Yes, can be used on major Indian and international e-commerce platforms subject to RBI guidelines.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Lumiere Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
0+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- By-invitation-only metal credit card, typically offered to high-net-worth individuals and select existing RBL Bank customers. Exact eligibility conditions for age, income, credit score and relationship value are determined internally by RBL Bank and may change without prior notice.
How Approval Is Decided
- High and stable income with strong repayment capacity, as assessed by RBL Bank.
- Robust credit profile with a clean repayment track record on existing loans and credit cards.
- Existing or new high-value banking relationship with RBL Bank, as per internal invite-only thresholds.
- Successful completion of KYC, document verification and any additional checks deemed necessary by the bank.
Pros of Lumiere Credit Card
- Ultra-premium metal card that signals status and exclusivity.
- Dedicated Select Circle concierge and relationship support for lifestyle and travel.
- Positioned for high-value travel benefits, rare experiences and curated memberships.
- Ideal for HNIs seeking a flagship card rather than a pure rewards workhorse.
Cons of Lumiere Credit Card
- Very high annual fee of ₹50,000 + GST makes it suitable only for ultra-high-spend customers.
- Detailed rewards structure, lounge program and insurance coverage are still to be fully disclosed.
- Invite-only nature means most users cannot directly apply or compare value versus other premium cards yet.
Frequently Asked Questions about Lumiere Credit Card
What is the annual fee for the RBL Bank Lumiere Credit Card?
The Lumiere Credit Card carries a high annual membership fee of ₹50,000 plus applicable GST, reflecting its ultra-premium, invite-only positioning.
Is the Lumiere Credit Card invite-only or can anyone apply?
Lumiere is a by-invitation-only metal credit card. You can express interest via RBL Bank’s website, but final eligibility and issuance are based on the bank’s internal assessment of your profile and relationship.
Who should consider the RBL Bank Lumiere Credit Card?
This card is best suited for high-net-worth individuals and affluent customers who travel frequently, value curated luxury experiences and want a flagship metal card with concierge-style servicing rather than a basic rewards card.
What kind of benefits can I expect from the Lumiere Credit Card?
The card is positioned around bespoke travel benefits, rare experiences, exclusive memberships and sustainability-led privileges, supported by the Select Circle concierge. Detailed category-wise rewards and lounge access metrics are expected to be announced in the coming months.
Is the full feature list for the Lumiere Credit Card available right now?
No. RBL Bank has officially launched Lumiere but has not yet shared the complete rewards grid, lounge program or insurance limits. Current information focuses on its invite-only nature, metal design, high annual fee and ultra-premium lifestyle positioning.
How can I express interest in the RBL Bank Lumiere Credit Card?
You can visit the official RBL Bank Lumiere Credit Card page and submit an expression of interest form or contact your existing RBL relationship manager. The bank will then review your profile and may extend an invitation if you qualify.
Does Lumiere offer airport lounge access and travel insurance?
Yes, the card is expected to provide premium airport services, lounge access and robust travel insurance benefits. However, the exact number of lounge visits, guest access rules and coverage amounts have not yet been disclosed by RBL Bank.
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