Loading page
Loading card
RBL Bank
10 points per Rs. 100 on dining, groceries, entertainment and international — all sharing one 1,000-point monthly cap
One-time
Per year
Capped at ₹1,000/month
Score 750+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from RBL Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromDining
Pays up to ₹1,000 a month — reached at about ₹10,000 of spend
Groceries
Pays up to ₹1,000 a month — reached at about ₹10,000 of spend
Entertainment
Pays up to ₹1,000 a month — reached at about ₹10,000 of spend
Everything else
Shares the card's ₹1,000 a month ceiling
These rates share one ceiling: ₹1,000 a month across the card, not per category.
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Dining — Shared 1,000-point monthly cap across dining, groceries, entertainment and international purchases., up to ₹1,000 per month.
Biggest limitation
The 10-point rate stops at 1,000 reward points a month across dining, groceries, entertainment and international together — about Rs. 10,000 of spend. Everything past that earns 2 points per Rs. 100.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Pricing…
Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
cappedDining
Pays up to ₹1,000 per month — reached at about ₹10,000 of spend.
Shared 1,000-point monthly cap across dining, groceries, entertainment and international purchases.
10 pts
cappedGroceries
Pays up to ₹1,000 per month — reached at about ₹10,000 of spend.
10 pts
cappedEntertainment
Pays up to ₹1,000 per month — reached at about ₹10,000 of spend.
2 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹2,360 | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 12.5% | 12.5% of the total outstanding, minimum Rs. 5 and maximum Rs. 1,300 |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹2,360 a year
charged with no published way to avoid it
This card carries no airport lounge access.
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
1
spend threshold you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
10,000 reward points at Rs. 2,50,000 and a further 10,000 at Rs. 4,00,000 of annual spend
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
RBL BankRBL Bank SalarySe UP Credit Card₹589
RBL BankIndianOil RBL Bank Credit Card₹590
RBL BankRBL Bank NOVA Credit Card₹14,750
RBL BankRBL Bank Shoprite Credit Card₹590
RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770
RBL BankRBL Bank Icon Credit Card₹5,900| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| RBL Bank Platinum Maxima Credit Card · this card | ₹2,360 | 10% dining | No |
| RBL Bank SalarySe UP Credit Card | ₹589 | See card | No |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
| RBL Bank NOVA Credit Card | ₹14,750 | Up to 12 reward points per ₹200 | Included |
| RBL Bank Shoprite Credit Card | ₹590 | Up to 20 reward points per ₹100 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹2,360 plus GST, with no published spend-based waiver.
The strongest published rate is 10% on dining, capped at ₹1,000 per month — so roughly ₹10,000 of spend reaches the maximum on that tier. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
10 reward points per Rs. 100 on dining, groceries, entertainment and international purchases, capped at 1,000 reward points a month across all four together, and 2 points per Rs. 100 elsewhere. There is an 8,000-point welcome benefit, plus 10,000 points at Rs. 2.5 lakh of annual spend and another 10,000 at Rs. 4 lakh.
Rs. 2,000 as an annual membership fee, which is Rs. 2,360 with GST. RBL publishes no spend threshold that waives or reverses it, so unlike most cards at this level the fee is payable regardless of how much you spend.
1,000 reward points a month, across dining, groceries, entertainment and international purchases together — not per category. At 10 points per Rs. 100 that is reached at about Rs. 10,000 of spend in those categories, after which they earn the 2-point base rate.
No airport lounge access is published for this card. If lounge visits matter, RBL's Icon card includes two domestic visits a quarter after a spend condition, and other issuers include more at this fee level.
Up to 3.99% a month, which RBL annualises to 47.88% — the top of RBL's published range and the most expensive tier in our catalogue. Cash advances cost 2.5% of the amount with a minimum of Rs. 500, plus interest from the day of withdrawal.
RBL publishes no minimum age, income or credit score for the Platinum Maxima. The 750+ shown here is our own recommendation based on its Rs. 2,000 fee tier, not a figure RBL has stated.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
RBL Bank Platinum Maxima Credit Card — 10% on dining, up to ₹1,000 per month. ₹2,360 a year.