RBL Platinum Maxima Plus Visa Credit Card
RBL Bank
Last updated: Nov 25, 2025
₹2,500
₹2,500
3.5%
8 visits/yr
Contents
RBL Platinum Maxima Plus Visa Credit Card is a rewards-focused lifestyle credit card designed for frequent diners, shoppers and movie lovers. You earn accelerated reward points on dining, entertainment, grocery and international spends, along with a generous welcome bonus and lucrative annual milestone rewards. The card also offers complimentary domestic airport lounge access, BookMyShow Buy 1 Get 1 movie tickets and fuel surcharge waivers, making it a strong all-rounder for everyday spending. If you are comfortable with a fixed annual fee and want maximum value-back through reward points, this card can be a solid addition to your wallet.
Features of RBL Platinum Maxima Plus Visa Credit Card which makes it unique
High Milestone Rewards
Earn up to 30,000 bonus reward points annually by reaching tiered spend milestones.
Boosts overall reward rate for medium to high spenders across everyday categories.
Higher milestone potential than many entry-level rewards credit cards.
Category-Focused 5X Rewards
Up to 5X rewards on grocery, dining, entertainment and international spends when used smartly every month.
Lets you stack accelerated reward points on the categories where urban users typically spend most.
Competitive for users who prioritise reward points over pure cashback cards.
Rewards Structure of RBL Platinum Maxima Plus Visa Credit Card
Dining
acceleratedRestaurants, cafés and eligible food delivery spends in India
Best-suited category for maximising reward points if you dine out regularly.
Grocery
acceleratedSupermarkets and grocery stores classified under eligible merchant codes
Place routine grocery and supermarket spends on this card to accumulate faster rewards.
Entertainment
acceleratedMovies, events and eligible online entertainment platforms
Works well with the BookMyShow Buy 1 Get 1 movie ticket offer for extra savings.
International Spends
acceleratedPOS and e-commerce transactions made in foreign currency
Useful for travellers and international shoppers, but remember the 3.5% foreign currency markup.
Other Spends
baseAll eligible domestic retail spends not falling in accelerated or excluded categories
Use for everyday shopping when you are not targeting category-specific offers on other cards.
Excluded Categories
baseFuel, railways, utilities, rent, insurance, government payments and wallet loads as per RBL Bank list
Avoid using this card for excluded categories if your goal is to maximise reward earnings.
Milestones of RBL Platinum Maxima Plus Visa Credit Card
Annual Spend of ₹2,00,000
₹2,00,000 in a membership year : 10,000 bonus reward points credited after you cross ₹2 lakh annual spend.
Annual Spend of ₹3,50,000
₹3,50,000 in a membership year : Additional 10,000 bonus reward points on crossing ₹3.5 lakh spends.
Annual Spend of ₹5,00,000
₹5,00,000 in a membership year : Additional 10,000 bonus reward points on crossing ₹5 lakh spends; total milestone bonus up to 30,000 points in a year.
Fees & Charges of RBL Platinum Maxima Plus Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹2,500 |
| Annual Fee | ₹2,500 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,300 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:No spend-based annual fee waiver; renewal fee of ₹2,500 + GST is charged every year.
Fee Explanation Annual fee ₹2,500 + GST with no waiver, foreign currency markup up to 3.5% on international transactions, cash advance fee around 2.5% per transaction, and late payment fee charged at 12.5% of the outstanding amount (minimum ₹5, maximum ₹1,300) as per RBL Bank schedule of charges.
Lounge Access Benefits with RBL Platinum Maxima Plus Visa Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Up to 2 complimentary domestic airport lounge visits per quarter (8 per year) at participating lounges in India; only primary cardholder eligible.
Insurance Coverage with RBL Platinum Maxima Plus Visa Credit Card
Standard Credit Card Protection
As per RBL Bank’s general credit card policyIncludes basic lost card liability protection as per RBL Bank terms; no dedicated additional insurance cover is specifically advertised for this card.
Additional Features of RBL Platinum Maxima Plus Visa Credit Card
Contactless Payments
Tap-and-pay enabled for quick, secure contactless transactions at supported terminals.
Per-transaction contactless limit and PIN requirements as per RBI and RBL Bank guidelines.
EMI on Purchases
Convert high-value purchases into affordable monthly EMIs directly from the RBL app or statement.
Subject to minimum transaction amount, processing fee and applicable EMI interest rate.
Online Account Management
Track spends, convert EMIs, redeem rewards and manage card controls using the RBL MyCard app and net banking.
Requires active RBL Bank credit card registration and secure login.
Welcome Bonus with RBL Platinum Maxima Plus Visa Credit Card
Welcome Bonus: 10,000 Reward Points
Bonus Conditions: First eligible retail transaction within 30 days of card issuance and payment of annual membership fee by due date.
Application Process for RBL Platinum Maxima Plus Visa Credit Card
Processing Time
Typically 5–7 working days after document verification.
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the official RBL Bank website or the RBL MyCard app.
Navigate to the Credit Cards section and select the Platinum Maxima Plus Credit Card.
Click on the Apply option and fill in your personal, contact and income details.
Upload or share KYC and income documents as requested by the bank.
Complete verification by responding to any calls or emails from RBL Bank.
On approval, your credit card is dispatched and delivered to your registered address.
Required Documents for RBL Platinum Maxima Plus Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
RBL Platinum Maxima Plus Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across major merchants, fuel stations, retail stores and online platforms in India that support Visa credit cards.
International Acceptance
Accepted globally at most international merchants, ATMs and e-commerce sites that accept Visa.
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Platinum Maxima Plus Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
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
- Approval subject to RBL Bank’s internal credit policy, stable income, satisfactory bureau history and complete KYC documentation.
How Approval Is Decided
- Indian resident aged 21 years or above with stable income.
- Clean credit history with a strong repayment track record and good bureau score.
- Monthly income typically ₹45,000 or higher, subject to bank policy.
- Successful completion of KYC and internal risk checks by RBL Bank.
Pros of RBL Platinum Maxima Plus Visa Credit Card
- Attractive welcome bonus of 10,000 reward points.
- Up to 5X reward points on key lifestyle and travel categories.
- Up to 30,000 milestone bonus points possible every year.
- Complimentary domestic airport lounge access for the primary cardholder.
- BookMyShow Buy 1 Get 1 movie offer for monthly movie savings.
Cons of RBL Platinum Maxima Plus Visa Credit Card
- Relatively high annual fee of ₹2,500 with no spend-based waiver.
- No complimentary international airport lounge access.
- Reward redemption fee of ₹99 + GST reduces effective value-back.
- No reward points on spends like fuel, utilities, rent and insurance.
- Best value is unlocked only if you hit milestone spend thresholds.
Frequently Asked Questions about RBL Platinum Maxima Plus Visa Credit Card
What is the joining and annual fee for the RBL Platinum Maxima Plus Visa Credit Card?
The card charges a joining fee of ₹2,500 + GST in the first year and a renewal fee of ₹2,500 + GST from the second year onwards, with no spend-based waiver.
How many reward points can I earn on my everyday spends?
You earn 10 reward points per ₹100 on dining, grocery, entertainment and international transactions, and 2 reward points per ₹100 on other eligible spends. No points are earned on fuel, rent, utilities, insurance and other excluded categories specified by RBL Bank.
Does the card offer complimentary airport lounge access?
Yes. You get up to 8 complimentary domestic airport lounge visits per year, limited to 2 visits per quarter at participating lounges across India for the primary cardholder.
What movie benefits are available on this credit card?
You get a Buy 1 Get 1 free ticket offer on BookMyShow once every calendar month, with the price of the free ticket capped at ₹200 and applicable only to the primary cardholder.
Is there any annual fee waiver or spend-based discount on fees?
There is no published spend-based waiver on the joining or renewal fee for this card. The primary way to offset the fee is through the welcome bonus, accelerated rewards and milestone reward points.
What is the minimum income required to apply for this card?
The typical minimum income requirement is around ₹45,000 per month for salaried or self-employed applicants, though actual eligibility may vary based on your profile and RBL Bank’s internal credit policy.
How can I redeem the reward points earned on this card?
You can redeem your reward points through the RBL Rewards portal or app for flights, hotels, merchandise, vouchers and more. A reward redemption fee of ₹99 + GST is charged once per day when you redeem points.
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