RBL Bank Platinum Maxima Credit Card Review

If you are looking for a low-cost credit card for regular usage, then you would love the rbl platinum maxima card. While this card comes with an annual fee of Rs.2000, it lets you enjoy useful rewards with every transaction, complimentary access to airport lounges, free movie tickets every month, and lots more. More about the rbl platinum maxima credit card features and benefits are discussed below.

Who can apply for the rbl bank platinum maxima card?

  • Resident Type: Indian. 
  • RBL platinum maxima credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • RBL platinum maxima card eligibility for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • A Score of 700+ is needed to apply for this rbl maxima platinum card.

You can apply for this card from the RBL platinum maxima card online application portal. If you are unfamiliar with the rbl credit card application process, then you can get some help from our faq page

What documents are required to apply for the RBL platinum maxima card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photograph
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

As per the new credit card security rules, all new rbl credit cards are delivered in an inactive state, and to start using the card, you need to activate it manually by generating a credit card pin. You can get some help with the rbl credit card pin generation process from the 100xGain FAQ page.

What are the rbl bank platinum maxima card fees?

  • RBL platinum maxima credit card joining fee: Rs. 2,000 + GST
  • RBL platinum credit card annual fee: Rs. 2,000 + GST

What are the rbl platinum maxima credit card benefits?

  • Get started with a huge joining bonus:

As you activate your rbl platinum maxima card for the first time and pay the first-year joining fee, you will receive 8,000 rbl credit card rewards as a joining gift.

  • Make your every transaction rewarding:

The RBL premium card reward points are offered like this.

Category of transaction

RBL reward points for every Rs.100 transaction

Regular credit card transactions

2 rbl credit card rewards

Dining, entertainment, and utility bills

10 rbl credit card reward points

You can check your earned reward points from the rbl mycard app.

  • Complimentary RBL platinum lounge access facility:

This rbl bank platinum credit card lets you enjoy 2 free quarterly access to most of the leading domestic airport lounges

  • Experience exclusive rbl bookmyshow offers:

If you use this rbl maxima card to book a movie ticket from BookMyShow, you will get another one completely free (maximum value of the free ticket, Rs.200).

  • Get an opportunity to earn something extra:

The rbl maxima credit card milestone benefits are offered like this.

RBL credit card usage

Total benefit

Rs.2.5 lakh

10,000 rbl credit card reward points

Rs.4 lakh

Additional 10,000 rbl rewards

You can use those reward points for travel booking, bill payment, or to get a product from the rbl credit card reward points redemption catalog.

  • Enjoy easy bill splitting:

With this RBL platinum maxima card, you can convert your payments (over Rs. 3000) into EMI. This feature is very helpful for frequent shoppers. Check your RBL platinum credit card limit before applying for an EMI.

  • Instant rbl bank credit card online payment options:

You are allowed to make rbl credit card bill payment online from your net banking account or by using any credit card bill payment app like Cred, Paytm, PhonePe, Google Pe, etc.

  • Advanced security arrangements:

This RBL premium credit card comes with a built-in EMV Chip. These chips use a robust encryption method to store your data, making your rbl maxima card nearly impossible to clone.

But, if you notice something suspicious with your account, then you should immediately inform it by calling the rbl credit card customer care no, you can also block your missing card temporarily, using the rbl my card app.

What are the RBL platinum maxima credit card charges?


Payable amount

RBL credit card cash withdrawal charges 

2.5% against the amount, min Rs. 500. Check your rbl credit card limit before making a withdrawal

RBL maxima card finance charge

The rbl platinum maxima credit card interest rate is 3.99% monthly

RBL credit card charges on currency conversion

3.5% against the transaction amount

RBL platinum maxima credit card add-on card fee


How to contact the rbl maxima credit card department?

  • Call the rbl bank credit card toll-free number: 022-6232-7777 or 022-7119-0900 (Super Card)
  • Write to the rbl bank credit card customer care email id: cardservices@rblbank.com 

100xGain Ratings:


Pros and cons of the rbl platinum credit card:



  • The rate of earning rbl bank rewards is quite impressive.
  • This platnium card lets you enjoy free access to airport lounges.
  • You can also earn some free movie tickets every month.
  • There are no travel booking benefits on this rbl maxima card.

Final Opinion:

Those who are looking for a low-cost premium card will find this rbl maxima credit card quite helpful. It lets you enjoy free lounge access, free movie tickets every month, and assured rewards with every transaction which is more than enough at this cost.

But, if you are not satisfied with the benefits offered by the rbl platinum maxima card, then I would recommend you take a look at our best lifestyle credit cards page.

Alternative cards of the rbl bank platinum maxima credit card

  1. CITI prestige credit card (Best for lounge access and dining benefits)
  2. Indusind Bank platinum aura credit card (Best for reward points and lounge access benefits)
  3. Indusind Bank InterMiles Voyage Credit card. (Best for reward points and lounge access)
  4. RBL Bank icon credit card (Best for lounge access benefits)


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