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RBL Bank Platinum Maxima Plus Card
RBL Bank's premium rewards card with 7x on online shopping, domestic and international lounge access, golf privileges, and a strong 7,500-point welcome bonus.
Secure application on RBL Bank's official site
"This card offers a balanced mix of rewards and benefits. Consider your spending patterns carefully - if you spend heavily in the card's bonus categories, it can deliver excellent value. Always compare with alternatives before applying."
Priya Sharma
Senior Financial Analyst
How to Apply for RBL Bank Platinum Maxima Plus Card
Is It Worth It? (Quick Math)
Worth the fee!
You gain ₹15,000 per year value after fees.
Check Eligibility
Get instant eligibility results in 10 seconds
This is an indicative check. Final approval depends on bank's assessment.
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Key Features
- 7x on online spends — one of highest in category
- Domestic + international lounge access (4 per quarter)
- Strong welcome bonus of 7,500 points
- Golf privileges at select courses
Rating Overview
How we rate credit cards· See rating rubricEligibility Criteria
Age
21+ Years
Income
₹0.5L / year
Documents
Rewards Program
RBL Bank Platinum Maxima Plus Card Rewards
Earn 2 points per ₹150 spent. Redemption value: Variable
| Category | Reward Rate | Points / ₹150 | Est. Value | Cap |
|---|---|---|---|---|
| General Spends | 2 points/₹150 | 4 | ₹1 | Check T&C |
| AcceleratedBest | 5x - 10x points | 10 | ₹2.50 | Check T&C |
Annual Fee Break-even: Spend ₹1,80,000 in the best category to earn rewards equal to the ₹3,000 annual fee | ||||
Rate
2 points/₹150
Pts/₹150
4
Value
₹1
Rate
5x - 10x points
Pts/₹150
10
Value
₹2.50
Rewards Calculator
See if this card's rewards justify the annual fee
Benefits Breakdown
Core Benefits
- •7x on online spends — one of highest in category
- •Domestic + international lounge access (4 per quarter)
- •Strong welcome bonus of 7,500 points
- •Golf privileges at select courses
Travel
- •Airport Lounge Access
- •Travel Insurance
Pros
- 7x on online spends — one of highest in category
- Domestic + international lounge access (4 per quarter)
- Strong welcome bonus of 7,500 points
- Golf privileges at select courses
Cons
- Annual fee of ₹2,500 (waivable on ₹4L spend)
- Reward redemption value averages only ₹0.25/point
- RBL customer service weaker than big banks
- Limited brand partner offers
Required Documents
Keep these documents ready before applying for RBL Bank Platinum Maxima Plus Card
Fees & Charges
| Fee Type | Amount |
|---|---|
Joining Fee First year fee | ₹3000 |
Annual Fee From second year onwards | ₹3000 |
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Frequently Asked Questions
What is the minimum salary for a credit card?
Most banks require a minimum monthly income of ₹15,000 to ₹25,000. For premium cards, the requirement can be ₹50,000+.
How to apply for a Lifetime Free (LTF) credit card?
You can apply for LTF cards directly through our platform. Popular options include Amazon Pay ICICI, IDFC First Millennia, and Dhanlaxmi Bank Platinum.
Can I get a credit card without income proof?
Yes, you can get a secured credit card (like IDFC First WOW) against a Fixed Deposit without showing income proof. This is great for students and homemakers.
Does checking my eligibility affect my credit score?
No. Checking eligibility on our platform is a 'Soft Inquiry' and does not impact your CIBIL score. Only when you submit a formal application to the bank, a 'Hard Inquiry' is done.
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Ready to upgrade your wallet?
Apply for the RBL Bank Platinum Maxima Plus Card today and start earning rewards on every spend.
● Secure application on RBL Bank's official site