RBL Platinum Maxima Mastercard Credit Card
RBL Bank
Last updated: Feb 03, 2026
₹2,000
₹2,000
3.5%
4 visits/yr
Contents
RBL Platinum Maxima Mastercard Credit Card is a semi-premium rewards card designed for shoppers and lifestyle users who spend regularly on their cards. It offers high reward points on dining, groceries, entertainment and international transactions, along with milestone bonuses for achieving big annual spends. Cardholders also enjoy complimentary domestic airport lounge access, a monthly BookMyShow movie ticket offer and savings on fuel surcharge at select fuel stations. If you use your credit card for everyday purchases and travel within India, this card can deliver strong long-term value through rewards and benefits.
Features of RBL Platinum Maxima Mastercard Credit Card which makes it unique
High Accelerated Rewards On Daily Categories
Earn significantly higher reward points on dining, groceries, entertainment and international spends compared to standard entry-level cards.
Helps frequent shoppers and diners accumulate points quickly for travel and voucher redemptions.
Reward structure is optimised for everyday lifestyle spends and international use.
Milestone Reward Boosters
Earn up to 20,000 bonus points every year by hitting higher annual spend milestones.
Increases overall reward rate for disciplined, high-spend users.
Milestone bonuses help offset the annual fee for regular users.
Rewards Structure of RBL Platinum Maxima Mastercard Credit Card
Dining, Groceries, Entertainment & International Spends
acceleratedEligible transactions at dining, grocery, entertainment merchants and international spends, subject to reward exclusions.
Great for cardholders who spend regularly on dining out, groceries, movies and overseas transactions.
Other Everyday Spends
baseAll eligible retail purchases that do not fall under excluded categories or accelerated categories.
Useful for general shopping, bills and day-to-day card usage.
Milestones of RBL Platinum Maxima Mastercard Credit Card
Annual Spend Milestone – Level 1
₹2,50,000 in an anniversary year : 10,000 bonus reward points
Annual Spend Milestone – Level 2
₹4,00,000 in an anniversary year : Additional 10,000 bonus reward points
Fees & Charges of RBL Platinum Maxima Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,000 |
| Annual Fee | ₹2,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,250 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual membership fee of ₹2,000 plus applicable taxes is charged every year; no standard fee waiver is advertised for general customers.
Fee Explanation Indicative charges based on recent RBL Bank and partner disclosures. Always refer to the latest RBL Bank Schedule of Charges for final, updated fees.
Detailed Explanation of RBL Platinum Maxima Mastercard Credit Card Fees
Joining Fee: ₹2,000 + GST (one-time)
Payable in the first year on card setup; may be waived for select RBL relationship segments at the bank’s discretion.
Annual Fee: ₹2,000 + GST (yearly)
Charged from the second year onwards; currently no generic spend-based waiver is advertised.
Cash Advance Fee: 2.5% (min ₹500) (per transaction)
Applicable on domestic and international cash withdrawals using the credit card.
Late Payment Fee: 15% of total amount due (min ₹50, max ₹1,250) (per statement cycle)
Charged if the minimum amount due is not paid by the due date.
Overlimit Fee: ₹600 (per occurrence)
Charged if the total outstanding exceeds the assigned credit limit.
Foreign Currency Markup: Up to 3.5% of transaction value (per transaction)
Levy on international transactions done in foreign currency.
Reward Redemption Fee: ₹99 + GST (per redemption day)
Charged when redeeming accumulated reward points through the RBL Rewards portal.
Lounge Access Benefits with RBL Platinum Maxima Mastercard Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
One complimentary domestic airport lounge visit per calendar quarter at select Indian airports when you swipe this card at participating lounges.
Insurance Coverage with RBL Platinum Maxima Mastercard Credit Card
Complimentary Travel & Purchase Protection
As per latest RBL Bank Platinum Maxima insurance policyCoverage typically includes select travel and purchase protection benefits; customers should refer to the current Most Important Terms & Conditions (MITC) and insurance certificate for detailed limits.
Additional Features of RBL Platinum Maxima Mastercard Credit Card
Contactless Payments
Tap-and-pay enabled Mastercard contactless credit card for fast, secure in-store payments at NFC-enabled terminals.
Contactless transaction limits and PIN requirements follow RBI and RBL Bank guidelines.
EMI Conversion
Convert large purchases into flexible EMI plans via RBL MyCard app, net banking or customer care.
Tenure options and interest rates depend on offer at the time of conversion.
Domestic Travel Offers
Periodic travel and lifestyle offers on partner platforms for flights, hotels and experiences.
Offer partners and coupon codes change from time to time; check latest offers before booking.
Welcome Bonus with RBL Platinum Maxima Mastercard Credit Card
Welcome Bonus: 8,000 Reward Points
Bonus Conditions: Welcome points are credited after card activation and eligible spends, as per the latest RBL Bank terms and conditions. Please check the official Platinum Maxima page for exact criteria before applying.
Application Process for RBL Platinum Maxima Mastercard Credit Card
Processing Time
Typically 7–10 working days after successful document verification; may vary by applicant and city.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official RBL Bank Platinum Maxima Credit Card page or the Finanjo comparison page.
Check eligibility, key fees and reward benefits to ensure the card matches your spending profile.
Fill in your personal, contact and income details in the online application form and submit KYC documents.
Complete mobile OTP and any video-KYC or in-person verification steps requested by the bank.
Wait for RBL Bank’s final approval decision and card dispatch; track status using SMS or customer care.
Required Documents for RBL Platinum Maxima Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried and self-employedAccepted documents:
RBL Platinum Maxima Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted at retail stores, restaurants, fuel stations, e-commerce websites and service providers across India through the Mastercard network.
International Acceptance
Accepted at millions of merchants and ATMs worldwide wherever Mastercard credit cards are supported.
Online Acceptance
Supports online transactions on Indian and international websites after enabling e-commerce usage and authentication.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Platinum Maxima Mastercard Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹45,000
Minimum annual income
Self-Employed Applicants
₹45,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant should have a stable income source, a good credit history, and valid PAN and Aadhaar.
How Approval Is Decided
- Minimum age of 21 years for primary cardholder.
- Stable monthly income, typically above ₹45,000, from salaried or self-employed sources.
- Good credit profile with a healthy repayment track record and a credit score preferably 750 or higher.
- Applicant must be an Indian resident within RBL Bank’s serviceable locations.
Pros of RBL Platinum Maxima Mastercard Credit Card
- Complimentary domestic airport lounge access and BookMyShow movie offer.
- Generous welcome bonus of 8,000 reward points for new cardholders.
- High accelerated rewards on everyday lifestyle categories and international spends.
- Bonus reward points on crossing annual spend milestones.
Cons of RBL Platinum Maxima Mastercard Credit Card
- Flat annual fee of ₹2,000 plus GST with no standard spend-based waiver for most customers.
- International transaction markup of up to 3.5% can add to the cost of overseas spends.
- Reward exclusions apply on categories like fuel, utilities and wallet loads, which may reduce overall earn rate for some users.
Frequently Asked Questions about RBL Platinum Maxima Mastercard Credit Card
What is the joining and annual fee for the RBL Platinum Maxima Mastercard Credit Card?
The card currently charges a joining fee of ₹2,000 plus GST and an annual membership fee of ₹2,000 plus GST from the second year onwards.
How many reward points do I earn on this card?
You typically earn 10 reward points per ₹100 on dining, groceries, entertainment and international spends (up to a monthly cap), and 2 reward points per ₹100 on other eligible purchases, as per the latest RBL Platinum Maxima reward structure.
Does this card offer free airport lounge access?
Yes, you get one complimentary domestic airport lounge visit per calendar quarter at select lounges in India via the Mastercard lounge programme, subject to the latest partner list and usage terms.
What movie benefits do I get with this card?
You can usually enjoy one complimentary BookMyShow movie ticket per month, up to ₹200, when you buy a minimum of two tickets in a single transaction, subject to a yearly usage cap and offer terms.
Is the RBL Platinum Maxima Mastercard Credit Card good for international travel?
The card is globally accepted on the Mastercard network and offers accelerated reward points on international spends, but it also charges up to 3.5% foreign currency markup, so it is better suited to domestic and occasional overseas use rather than frequent foreign travel.
Can I link this credit card to mobile wallets and UPI apps?
RBL Bank credit cards can be tokenised on major mobile payment apps like Google Pay and are supported for UPI-based bill payments via popular apps such as Google Pay, PhonePe and Paytm, subject to NPCI and RBL Bank guidelines.
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