RBL Bank Platinum Maxima Credit Card Review

The rbl platinum maxima card is a MasterCard credit card from RBL Bank of India. It is a semi-premium credit card. This card comes with several premium features and benefits like – Big welcome benefit, Reward point program, bonus points on milestone spending, Discounts on movie tickets, Lounge access, EMI facility, Add-on facility, etc. More about the rbl platinum maxima credit card features and benefits are discussed below.

RBL Bank Platinum Maxima Credit Card Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • A good CIBIL Score (750 or more) is needed to get a higher credit limit on this card.

You can apply for this card from the RBL platinum maxima card online application portal. Once your application is submitted successfully, you can track your rbl credit card application status from the RBL card status tracking page

Documents Required To Apply For RBL Platinum Maxima Credit Card:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • 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 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 new credit card PIN. You can get some help with the rbl credit card pin generation process from the 100xGain FAQ page.

RBL Bank Platinum Maxima Card Fees:

  • RBL platinum maxima credit card joining fee: Rs. 20,000 + GST
  • RBL platinum credit card annual fee: Rs. 20,000 + GST

RBL Platinum Maxima Credit Card Benefits:

  • Welcome benefit:

With the issuance of the rbl platinum maxima card, you will get 8,000 reward points as a welcome gift. To get this benefit you just have to pay the annual fee in time and you have to purchase with your card within the first 30 days of the card issuance. 

  • RBL credit card rewards benefits:

This RBL premium card offers 2 reward points for each Rs. 100 transactions. You can also earn 5X reward points for the same on dining, movie, bill payments, entertainment, and also on international purchases. You can check your earned reward points from the rbl mycard app.

  • RBL platinum lounge access benefits:

With this rbl bank platinum credit card, you will get 2 free visits to most of the major airports in India. You will get a maximum of 2 free visits per quarter. 

  • Movie benefit:

If you book 2 tickets or more through BookMyShow then you will get 1 ticket completely free, the maximum value of the ticket is Rs. 200. 

  • RBL platinum card dining benefits:

If you can spend Rs.  72,000 on dining in a year then you will get 7,200 reward points. You can redeem your reward points either for flight, hotel booking, or to buy some selected E-Vouchers, the choice is up to you.

  • Milestone benefit:

If you can spend Rs. 2,00,000 with your card within a year, then you will get 10,000 rbl credit card reward points. Also if you can cross the Rs. 3,50,000 spend mark then you will get more than 10,000 reward points. 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.

  • Add-on facility:

You can share the awesome features of your rbl maxima card with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • EMI facility:

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.

  • Global acceptance:

This rbl platinum credit card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted. 

  • Convenient rbl bank credit card online payment options:

You don’t need to visit an RBL branch to pay your monthly credit card bill. You can make your online payment of rbl bank credit card via your netbanking account, or by using any credit card bill payment app.

  • EMV security:

This RBL premium credit card comes with a built-in EMV Chip. It adds more security and convenience to your transactions. But fraudulent transactions can happen anytime, and if you notice something suspicious with your account, then you should inform it immediately by calling the rbl credit card customer care no, you can also block your account temporarily, using the RBL my card app.

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

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


RBL Maxima Credit Card Customer Service Contact Details:

  • 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:


Final Opinion:

This is one of the premium cards from RBL bank. And as we can expect from a premium card, it comes with a number of premium features like-lounge access, dining, movie, and milestone benefit scheme. But the offered benefits are not enough to justify the Rs. 20,000 rbl credit card annual fee, at this price point you can get a more premium card than this. In this case, you can take a look at the alternative card options given below.

Alternative Cards: 

  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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