RBL Bank Lumière Credit Card
The RBL Lumière is RBL Bank's invite-only, ultra-premium metal flagship at a ₹50,000 + GST annual fee. It earns 4 reward points per ₹200 (2% at ₹1/point) on general spends and 5X — 20 points per ₹200 (10%) — on the Lumière rewards portal. The travel bundle is genuinely unlimited: unlimited domestic and international lounge access for the cardholder and guests, unlimited complimentary golf rounds with 12 lessons a year, eight airport meet-and-greet services a year, a dedicated concierge and 0% forex markup. On joining it ships a welcome e-gift voucher worth ₹30,000 — a choice of Taj Experiences or Marriott — plus a complimentary Club Marriott or ITC Culinaire membership, offsetting most of the year-one fee. The annual fee is not spend-waivable; it is reversed only for customers maintaining a Total Relationship Value of ₹2 crore with RBL Bank.
✦ How to get this card →
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹30,000 in vouchers, points or cashback on card activation
10% on Online Shopping
5X — 20 reward points per ₹200 (10% at ₹1/point) on purchases made through the Lumière rewards portal; portal-gated, not earned on general spends
2% on Other
4 reward points per ₹200 (2% at ₹1/point) on general spends; base points redeem at ₹1 on the Lumière rewards portal
️ Airport Lounge Access
Unlimited complimentary domestic and international airport lounge access for the primary cardholder and accompanying guests
Zero Forex Markup
Use abroad without extra charge — swipe internationally like you do domestically.
Golf Privileges
Unlimited complimentary golf rounds plus 12 golf lessons a year at premier courses across India
24x7 Concierge
Dedicated 24x7 lifestyle concierge, plus 8 airport meet-and-greet services a year
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 10% | — |
| Other | reward points | 2% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹59,000 |
| Joining fee (incl. 18% GST) | ₹59,000 |
| Finance charge (APR) | 3.4% p.m. |
| Forex markup | 0% |
Perks & benefits
Estimated annual value beyond rewards — ~₹75,000/yr in total.
️ lounge access ~ ₹40,000 /yr
Unlimited complimentary domestic and international airport lounge access for the primary cardholder and accompanying guests
golf ~ ₹30,000 /yr
Unlimited complimentary golf rounds plus 12 golf lessons a year at premier courses across India
concierge ~ ₹5,000 /yr
Dedicated 24x7 lifestyle concierge, plus 8 airport meet-and-greet services a year
Should you get it?
Best for: Ultra-affluent RBL private-banking clients who receive an invite, High spenders who value unlimited lounge, golf and concierge
Super Premium tier — built for high spenders who want top-end perks.
Strongest value if you spend heavily on Online Shopping ( 10% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- ₹30,000 Taj/Marriott welcome voucher offsets most of the year-one fee
- Unlimited domestic and international lounge access, including guests
- Unlimited complimentary golf rounds plus 12 lessons a year
- 0% forex markup on all international spends
- Reward points valued at ₹1 each, with 5X on the Lumière portal
✕ Cons
- Invite-only — cannot be applied for directly
- ₹50,000 fee is not spend-waivable; only a ₹2 crore Total Relationship Value reverses it
- Top reward value is locked to the Lumière rewards portal
Eligibility
RBL publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any specific salary figure you see quoted for it elsewhere has been inferred by a third party, not stated by the bank.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Redeem reward points at ₹1 each via the Lumière rewards portal
🎁 Concierge-assisted bookings and experiences
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit Standard redemption
Gift voucher catalogue Brand & e-gift vouchers
Airline / hotel transfer (Lumière / Nova) BEST Two cards only. Lumière converts to Air India and Club ITC at 1:1 (⇒ ₹1/pt) — four times RBL's catalogue rate and the best thing about the card, despite RBL's own Lumière page never mentioning transfers at all. Nova is 2:1 to Air India, KrisFlyer, Qatar and Club ITC (⇒ ₹0.50/pt). Credited in up to 7 working days. ITC's own table also lists RBL Insignia (3:1), World Safari Plus (3:1) and iGlobe (4:1) — products we do not carry.
✈ Transfer partners ✈ Air India Maharaja Club ( 1:1 ) 🏨 Club ITC ( 1:1 ) Value your balance: RBL Reward Points ✈ Air India Maharaja Club ( 1:1 ) ₹ 10,000 🏨 Club ITC ( 1:1 ) ₹ 10,000 vs. typical redemption ₹ 2,500 Direct transfers from this card only, ranked by what a point is worth in the destination programme . Full calculator, every currency → The concern The ₹50,000 fee is not waivable by spend — only a ₹2 crore Total Relationship Value reverses it — and RBL's premium-service track record trails the established ultra-premium issuers.
The bottom line
The RBL Bank Lumière Credit Card represents a strong contender in India's ultra-premium metal segment—delivering unlimited lounge visits with guest access, complimentary golf, 0% forex markup, and a ₹1/point base redemption value that rivals top-tier cards like Infinia or Magnus Burgundy for RBL wealth clients. However, because membership is invite-only, the ₹50,000 fee is tied to a ₹2 crore banking relationship rather than card spend, and RBL's luxury service infrastructure is smaller, it serves best to reward an existing high-value banking relationship rather than initiate a new one.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank Lumière Credit Card are taken from RBL Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 6 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · 2 changes · last change Jan 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 1 change — 1 cut
▼ Fee Observed Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee → 1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2025 1 change — 1 neutral
◆ Launch Effective 17 Nov 2025
RBL launches Lumière as invite-only metal flagship
RBL Bank announced the Lumière alongside the Nova on 17 Nov 2025 as its invite-only, ultra-premium 18g metal flagship. At a ₹50,000 + GST annual fee (reversed only on a ₹2 crore Total Relationship Value, not by spend), it earns 4 reward points per ₹200 (2% at ₹1/point) on general spends and 20 points per ₹200 (10%) on the Lumière rewards portal, with unlimited domestic and international lounge access for cardholder and guests, unlimited golf plus 12 lessons a year, eight airport meet-and-greet services, a dedicated concierge and 0% forex markup. Launched with no category earn-exclusions, so the earlier RBL bank-wide devaluations predate and do not apply to it.
Verification: RBL Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: RBL Bank Lumière Credit Card value timeline — CardAdvisor
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Quick summary
Type Super Premium credit card
Reward rate 2%
Best for Ultra-affluent RBL private-banking clients who receive an invite
Joining fee ₹50,000
Annual fee ₹50,000
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 6 Aug 2026
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280 cards analysed — August 2026
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