RBL Bank Platinum Maxima Plus

Fees

Waiver: Flat ₹2,500 + GST annual fee every year; RBL's official bank-wide Schedule of Charges (rev. 12-12-2025) shows no spend-based waiver marker for this card, unlike several other RBL cards listed on the same schedule.

Rewards

Perks

• ✓Domestic lounge access: 8/yr2 complimentary visits per calendar quarter, only unlocked if the cardmember spent ₹35,000+ in the immediately preceding calendar quarter; spend on fuel, utilities, insurance, quasi-cash, railways, rent, education, wallets, government/contracted services, cash and EMI conversions does not count toward that threshold; unused quarterly visits lapse and don't roll over; add-on cardholders are not eligible.
• ✓Forex markup: 3.5%
• ✓10 reward points per ₹100 (vs. a 2-points/₹100 base rate) on dining, entertainment, grocery, and international/cross-border spends — these four categories share one combined cap of 1,000 points/month, not 1,000 each
• ✓A long exclusion list earns zero reward points at all (not just excluded from the bonus rate): fuel & auto, railways, utilities, real estate/rental, wallets/service providers, insurance, quasi-cash, education, government services, contracted services, cash, Bills2Pay, and EMI-converted transactions
• ✓Milestone bonus of 10,000 points each at ₹2 lakh, ₹3.5 lakh, and ₹5 lakh of cumulative eligible annual spend (up to 30,000 points/year); same category exclusions apply to milestone-qualifying spend
• ✓Reward redemption fee of ₹99 + GST applies per redemption at RBL's rewards portal
• ✓Issued on Visa only, per RBL's official credit-card network-availability guide — no Mastercard or RuPay variant exists for this product
• ✓3.5% forex/foreign-currency markup applies (RBL's official Schedule of Charges lists lower or 0% markup only for its Insignia, iGlobe, World Xclusive, Nova, World Safari-family, and Lumière cards — Platinum Maxima Plus is not on that reduced-markup list)