How many free movie tickets?

Cardholders can claim one free movie ticket per month valued up to ₹200 when booking two or more tickets on BookMyShow, translating to an annual savings potential of approximately ₹1,200.

What is 1 reward point worth?

Each point is valued at approximately ₹0.25 when redeemed for catalogue items or cash alternatives. With the 10X accelerated multiplier on dining, this yields an effective return of 2.5% (capped at ₹250 worth of rewards monthly in that category), compared to 0.5% on regular spending after accounting for actual redemption values.

Is there lounge access?

Yes, the card provides 2 complimentary domestic airport lounge visits per calendar quarter (up to 8 annually), unlocked by spending ₹35,000 or more in the preceding calendar quarter. Consequently, newly onboarded cardholders do not receive complimentary lounge access during their initial calendar quarter of issuance.

Is there a fee to redeem reward points?

Yes, RBL levies a ₹99 plus GST reward redemption fee per transaction date, regardless of the quantity of points redeemed. The Platinum Maxima Plus does not qualify for an exemption from this charge, which marginally reduces net value on smaller redemptions.

What interest rate applies to revolved balances?

RBL applies monthly interest rates according to the applicant's CIBIL score: 3.35% for scores above 775, 3.85% for scores between 725 and 775, and 3.99% for scores below 725, with 3.99% serving as the maximum rate.

Dining, groceries, entertainment/OTT subscriptions, and international transactions earn 10X reward points, all sharing a pooled cap of 1,000 reward points per calendar month.

What is the annual fee?

The joining and annual renewal fee is ₹2,500 plus applicable taxes, with no spending waiver offered. Adding 18% GST brings the actual billed annual renewal charge to ₹2,950.

How has the RBL Bank Platinum Maxima Plus Credit Card changed over time?

Our Value Timeline records 7 updates for the RBL Bank Platinum Maxima Plus Credit Card since 2019, including 6 devaluations and 0 improvements alongside neutral adjustments. The latest entry reflects a 1% fee applied to large FASTag and toll payments on 7 January 2026, verified from issuer terms.

Has the RBL Bank Platinum Maxima Plus Credit Card been devalued recently?

Yes, 4 devaluations have occurred over the last 24 months. The most recent on 7 January 2026 introduced a 1% surcharge on FASTag recharges and toll payments exceeding ₹10,000, which previously incurred no extra charge.

When did the RBL Bank Platinum Maxima Plus Credit Card's fees last change?

The fee schedule was last revised on 7 January 2026, adding a 1% fee on single FASTag top-ups and toll payments greater than ₹10,000. Refer to the fee table above for full pricing details.

How did the RBL Bank Platinum Maxima Plus Credit Card change in 2024?

In 2024, 2 devaluations took place on 15 October 2024: 1% surcharges were introduced on large fuel, utility, and education transactions, and major spend categories were excluded from earning base reward points and qualifying for milestones.

RBL BankSELECT

RBL Bank Platinum Maxima Plus Credit Card

4.5 / 5SarvCred Editorial Review

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RBL Bank

RBL Bank Platinum Maxima Plus Credit Card

Name: RBL Bank Platinum Maxima Plus Credit Card
Brand: SarvCred
Rating: 4.5 (1 reviews)

Mid-tierFee variesRewardsTravelDining

The RBL Platinum Maxima Plus is a fairly-priced lifestyle card with a smart category mix — 10X reward points on dining, entertainment, grocery and international spends (capped 1,000 points a month, combined), plus a free movie ticket and lounge access — that genuinely fits how urban Indians spend their fun money. The honest caveat is the points: the monthly cap and a devalued point value (~₹0.25, as low as ₹0.11) pull the real return to a modest 1–2.5%. It is a ₹2,500 card with NO spend-based fee waiver; welcome 10,000 points, milestones to 30,000 points, 2 domestic lounge visits a quarter on ₹35,000 of prior-quarter spend (no international), and one free movie ticket on 2+ BookMyShow bookings a month. Buy it for the lifestyle perks you will use, not for a 10X headline the fine print walks back.

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹2,500 in vouchers, points or cashback on card activation

⭐

2.5% on Dining

10X (~2.5% at ₹0.25/point) on dining — combined 1,000 RP/month cap across 10X categories

⭐

2.5% on Groceries

10X (~2.5%) on grocery — shares the 1,000 RP/month cap

✈

️ Airport Lounge Access

2 complimentary visits per quarter at domestic and international airport lounges

🎬

Movie Ticket Benefit

One complimentary movie ticket a month (up to ₹200) when you book 2+ tickets on BookMyShow

🎯

Milestone Bonus

~₹2,500 in bonus rewards on hitting annual spend milestones

Full reward structure

Category	Type	Rate	Monthly cap
Dining	reward points	2.5%	₹250
Groceries	reward points	2.5%	₹250
International	reward points	2.5%	₹250
OTT & Entertainment	reward points	2.5%	₹250
Other	reward points	0.5%	—

Fees & charges

Charge	Amount
Annual fee (incl. 18% GST)	₹2,950
Joining fee (incl. 18% GST)	₹2,950
Finance charge (APR)	3.99% p.m.
Forex markup	3.5%
Reward redemption fee	₹99

Perks & benefits

Estimated annual value beyond rewards — ~₹12,700/yr in total.

✈

️ lounge access ~ ₹4,000 /yr

2 complimentary domestic lounge visits per quarter, unlocked by ₹35,000 of spend in the previous calendar quarter — so a new cardholder gets none in the quarter the card is issued

🎯

milestone bonus ~ ₹2,500 /yr

10,000 bonus reward points at ₹2 lakh of eligible annual spend — first rung of the milestone ladder

🎯

milestone bonus ~ ₹2,500 /yr

A further 10,000 bonus reward points at ₹3.5 lakh of eligible annual spend

🎯

milestone bonus ~ ₹2,500 /yr

A further 10,000 bonus reward points at ₹5 lakh of eligible annual spend — 30,000 points in total once all three rungs are cleared

🎬

movie ticket ~ ₹1,200 /yr

One complimentary movie ticket a month (up to ₹200) when you book 2+ tickets on BookMyShow

Milestone ladder

1₹2,00,000 a year₹2,500 of value
2₹3,50,000 a year₹2,500 of value
3₹5,00,000 a year₹2,500 of value

Should you get it?

Best for: Frequent travellers, Higher spenders

Premium tier — a solid all-rounder for steady monthly spend.

Strongest value if you spend heavily on Dining ( 2.5% back).

Frequent travellers benefit from the included airport lounge access.

✓ Pros

Strong rewards that can offset the annual fee for the right spender
Premium lifestyle perks (lounge, monthly movie ticket, milestone benefits)
10X reward points on international spends, though the forex markup is the standard 3.5%

✕ Cons

Annual fee of ₹2,500 applies every year — there is no spend-based waiver
Higher income / eligibility bar
Fuel, utilities, insurance, education, rent, wallet loads, government payments, cash and EMI earn no reward points, and none of them count towards the milestones or the lounge gate
RBL charges ₹99 + GST for each day on which you redeem reward points

Eligibility & documents

Age

21 –65 years

Min. income

₹40,000 /mo

Employment

Salaried · Self-employed · Student

Documents required

PAN card
Aadhaar / valid address proof
Latest 3 months bank statement
Income proof — salary slips (salaried) or ITR (self-employed)
Recent passport-size photograph

How to redeem rewards

Ways to convert what you earn into real value.

🎁 Statement credit / cashback adjustment

🎁 Online rewards catalogue (vouchers, merchandise)

🎁 Flight & hotel bookings via the issuer rewards portal

🎁 A ₹99 + GST redemption fee applies for each day on which you redeem points

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 BEST Standard redemption

₹ 0.25 /pt

Gift voucher catalogue BEST Brand & e-gift vouchers

₹ 0.25 /pt

The concern There is no fee waiver, the 10X is capped at 1,000 points/month and the point value is devalued (~₹0.25), so the headline rate overstates the real ~1–2.5% return.

The bottom line

For an annual fee of ₹2,500, the Platinum Maxima Plus combines practical lifestyle features such as domestic lounge access, monthly cinema ticket savings, and accelerated earn across dining and entertainment. However, prospective applicants should consider that the 1,000-point monthly limit and modest ~₹0.25 point valuation keep effective returns between 1% and 2.5%, with no renewal fee waiver and an absence of international lounge privileges.

Sources & verification

Fees, reward rates, and benefits for the RBL Bank Platinum Maxima Plus 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 15 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 2019 · 7 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.