RBL Bank Platinum Maxima Plus Credit Card
RBL · MASTERCARD★ 4.3/ 5
✓ Details last verified 1 Jan 2025
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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,000 in vouchers, points or cashback on card activation
2.50% on Dining
10X reward points on dining
2.50% on OTT & Entertainment
10X points on entertainment and OTT
Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹3,000/yr fully waived when you spend ₹2,00,000/year
Movie Ticket Benefit
2 free movie tickets per month via BookMyShow
Milestone Bonus
~₹1,500 in bonus rewards on hitting annual spend milestones
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
2/month
Free movie tickets
3%
OTT cashback rate
- 2 free movie tickets per month via BookMyShow
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
₹4,000
Estimated annual value
3.5%
Forex markup
1.3%
Travel reward rate
- Domestic airport lounge access (8 visits/yr, worth ~₹4,000)
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹1,500
Milestone bonus value
- Bonus reward points on ₹2L quarterly spend
RBL Platinum Maxima is built for dining and entertainment maximisers. 10X reward points on dining and OTT subscriptions (effective 2.5% back), 5X on travel, 2 free movie tickets/month, and 2 domestic lounge visits per quarter. Total perk value exceeds ₹10,000/year on a ₹3,000 fee card.
Who is this for?
For RBL customers who eat out frequently and watch movies regularly. If you spend ₹5,000+/month on dining and ₹2,000+ on OTT subscriptions, the 10X earn across both categories makes this card a strong value proposition.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2.50% | — |
| OTT & Entertainment | reward points | 2.50% | — |
| Travel | reward points | 1.25% | — |
| Other | reward points | 0.50% | — |
Dining: 10X reward points on dining
OTT & Entertainment: 10X points on entertainment and OTT
Travel: 5X reward points on travel
Other: 2X reward points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
2 complimentary domestic lounge visits per quarter
2 free movie tickets per month via BookMyShow
Bonus reward points on ₹2L quarterly spend
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 (2.50% 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, concierge, milestone benefits)
- Lower forex markup, friendlier for international spend
Cons
- Annual fee applies unless the spend-based waiver is met
- Higher income / eligibility bar
Eligibility & documents
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
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your rbl reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
The concern
RBL's service reputation and offer depth trail the major banks — the spec sheet writes cheques the ecosystem sometimes struggles to cash.
Bottomline
CardAdvisor Rating: 4.3 / 5Platinum Maxima bundles the urban indulgence categories — eating out, streaming, movies, a bit of travel — into one fairly-priced card. The perk stack realistically clears ₹10,000/year for active users, comfortably beating the fee.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the RBL Bank Platinum Maxima Plus Credit Card are taken from RBL's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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