RBL Bank Platinum Maxima Credit Card Review

By | February 22, 2018

RBL Bank Platinum Maxima Credit Card is one of the RBL bank’s semi premium credit card which offers domestic lounge access, spend based milestone reward points and Free Movie Tickets.

  • Joining Fee: Rs. 2,000+Tax
  • Welcome Bonus: 8,000 Points
  • Annual Fee Waiver: Spend Rs. 1.5 Lakhs or more in the previous year

The welcome bonus worth is not actually equivalent to the Joining fee paid, pretty near though.

Reward Points on RBL Platinum Maxima Credit Card

  • 2 Reward points per Rs.100
  • 5X rewards on Intl Spends, Dining, Entertainment, Utility Bill Payments and even Fuel.
  • 10,000 Bonus Points on achieving Rs.2L spend in a yr
  • 10,000 Bonus Points on achieving Rs.3.5L spend in a yr
  • 1 Reward point = 0.23ps – 0.25ps

So, this card is best if you spend about Rs.3,50,000 a year. Lets see how much we can save in that case.

  • Total Spend of 3.5L in a year = 7,000 Points
  • Bonus Points = 10,000+10,000 = 20,000 Points
  • Total = 27,000 Points = Rs.6,200 in Value
  • Effective Reward Rate: 1.8%

Did you notice that even their basic variant RBL Platinum Delight Credit Card with a low joining fee can get you 5% value back while this one stands at just 1.8%.

Also note that their 5X points on international spends are useless because they charge you 3.5%+tax as markup fee which is about 4% and give back reward points with less than 2.5% in value. That’s 1.5% LOSS. For international expenses, Indusind Signature Exclusive Debit Card is my all time favorite.

Features of RBL Platinum Maxima Card:

  • CardExpert Rating: 3.5/5 [yasr_overall_rating]
  • Reward rate: Upto 1.8%
  • Complementary Airport lounge access: 2 Visits/quarter via Mastercard lounge Access programme
  • Fuel Surcharge Waiver: Nil
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Renewal Fee Waiver: Nil
  • Special Features: Reward points based on spend, Free Movie Tickets.

RBL Platinum Maxima Card stands good if you spend about 3.5L a year, however, in this joining fee range, i would rather go for Regalia or Regalia First or even Yes Bank preferred Card which has far better features and offers compared to this. On top of it, these cards are issued for free while RBL never wants to issue any cards at free of cost.

What’s your take on RBL Bank Platinum Maxima Credit Card? Share your views in comments below.

28 thoughts on “RBL Bank Platinum Maxima Credit Card Review

  1. Chiller

    Hi Sid

    I notice you haven’t reviewed any Kotak Mahindra Bank Debit or Credit Cards. Would it be possible for you to review those? I’m a Kotak Account holder and am really confused with their myriad of options.

    1. Siddharth Post author

      Their reward rate is TOO low to be considered while there are lot of other cards in the market. It is as low as 0.25% and even the premium cards are not that good.

      Well, i’ll review them soon, just to make sure no one is getting them 😉

      1. MANU KUMAR

        Yes, the League platinum card is promoted as a premium card and they provide 75 rupees for 1000 points…

  2. Krishna R M

    Dear Siddharth,

    Among others , I hold Citibank rewards card, Standard Chartered Titanium Card and SBI Gold and more card, though rewards rate on these cards are not great, many offers like cash back and discounts on flight bookings and online shopping offers are offered on these cards from time to time. Considering that these cards are life time free and oldest of the cards I hold, should I continue to hold these??

  3. Amandeep singh

    Now it is 10x rewards on Intl Spends, Dining, Entertainment and Utility Bill Payments.

      1. Amandeep singh

        I received an SMS few days back from rbl stating the same.But website still says 5x.

        1. Siddharth Post author

          Ah, Do you see extra points or could you confirm it with Customer care?
          10X is nice for this card, let others know as well if it can be verified 🙂

  4. Amandeep singh

    Sadly it is 5x not 10x confirmed by customer care. Regarding the SMS I have send them a screenshot and they will check and revert.

  5. Amit

    This card has 2400 points per month on spend of 10000 Rs per month.

  6. Sushil Chauhan

    Please update about annual spending waiver of this card.

  7. Anand

    Hi Siddharth, I think you haven’t taken the points that would be earned to reach the 3.5L limit. You have taken only the bonus points for effective reward rate. It’s 2 or 5 points per Rs. 100

  8. Snehal

    Hi Siddharth,

    I am holding this card from past 3 months. I received welcome bonus as 8000 reward points. And if I redeem the points for travel and air tickets, it is calculated as 1 RP = .33 Rupee

    So if we calculate the rewards for spends of 3.5 lakhs.
    Rp = 7000 points
    Joining bonus = 8000 points
    Spending bonus = 20000 points
    Total = 35000 points
    In exchange for flights = 35000 × .33
    = Rs 11550/-
    Effective rate = 3.3%
    Seems decent eh?

  9. Kiran

    Whether Maxima credit card is life time free card or is there any annual charges, if so how much…

  10. Selvakumar

    Sir, I have already SBI simply click card and Icici card here so i am eligible or not for Rbl maxima card so pls help with me sir

  11. vikrant sammanwar

    i didn’t gate Joining bonus = 8000 points
    i have swiped card with in week of amount 4000/-
    please check and revert

  12. Murali Krishna

    Is there any cap on Fuel points? My spends would be 50K per month and a total of more than 6L. Is this the best card for fuel? Or any other card for fuel if more than 6L spends?

  13. Anil kumar

    If we use the card on 20th to 25th between when we should pay the amount

  14. Himanshu Kainth

    Hello everyone,

    I was holding titanium delight card (LTF) and just managed to get hold on platinum maxima with FYF as it’s a good replacement for SBI Prime card.

    As per my understanding,

    10 RP per Rs 100 on utility bill payments. So if we spend Rs 3,50,000

    3,50,000* 0.1 = 35K points +20k (bonus pts) =55K points & 1 point = .23p to .25p

    Hence you can able to save 3.6 to 3.9% which is a good return.


      How to get LTF titanium delight card or any other variant from RBL?

    1. Sunil P

      No Ravindran RBL won’t allow holding 2 different cards but you can try getting Bajaj Finance Supercard which is also issued by RBL but sourced by Bajaj Finance Ltd. My general advice is a a avoid holding 2 RBL cards as the have annual fees and to recover the same would be daunting task. However there is an exception if you have LTF titanium delight variant.

      1. Pravin Raikar

        Mere pass already bajaj rbl ka card hai
        Rbl ne abhi newly rbl maxima card issue kiya hai dono card ka limit combine hai firbhi rbl ne annual or joining fees 2400 charge kiya hai
        Abhi taq maxima card close karne k lea Customer care ko 5 mail kiya hai . Ek mail ka bhi last 1 month se reply nahi kiya hai
        Rbl Customer k mail ka reply karna jaruri nahi samjta hai

  15. Arnab Chaudhuri

    Got an email today showing a glimpse of some app design and stating ‘stay tuned, a big surprise awaits you’. I uninstalled the current rbl my card credit card app. And switched over to the beta mode of RBL MyCard. Now thats a wow app. From expense tracker to everything. For registration, you need reg mobile number and PAN to get otp.
    But the design of the new app is just awesome.

  16. Muthuraj

    joining fee 2000 waiver is there for platinum maxima card??

    1. Ramesh Kumar

      No, also benefit on renewal fees. But for joining fees you’ll get 8K reward points.


      Hey Muthuraj,
      This card is offered FYF by many aggregators. Only condition is that you shall sign up for BILLPAY facility. However I recommend you to stay away from RBL cards. Their customer services, terms and conditions and reward points program has lot of bull shit.

  17. Nanda

    Hi Sid,

    I had a query in general regarding the credit cards.
    Can you please let me know if there are any other credit cards like SBI Simply Click that provide Amazon vouchers on reward points without transactional fee.



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