Cards · RBL Bank

RBL Bank Platinum Maxima Plus Credit Card: rewards, caps and exclusions

The RBL Bank Platinum Maxima Plus Credit Card pays about 2.5% on Food, Groceries, Entertainment, on the first ₹10,000 of spend a cycle, and 0.5% on everything else. Below is every rate, cap and exclusion in RBL Bank's published terms, as we last checked them on 9 October 2026.

₹2,500 a yearPaid in points

What it earns

≈2.5%Food, Groceries, Entertainmenton the first ₹10,000 of spend a cycle

≈0.5%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Railway bookings
Utility bills
Rent
Wallet loads
Insurance premiums
Cash withdrawals and fees
Money transfers
Education fees
Government payments
EMI conversions

What costs extra

Worse than earning nothing: RBL Bank charges a fee for these.

1% on Fee on Rental Transactions, plus GST
1% on Fee on Utility Spends, plus GST

Milestones

In RBL Bank's own words:

"If the Cardmember makes eligible retail transactions worth INR 2 lacs or more in one membership year, the Cardmember will be rewarded with 10,000 reward points." (T&C 3.5) → 10,000 RP
"If you make eligible transactions worth INR 3.5 lacs or more in one membership year, you will be rewarded with additional 10,000 reward points." (T&C 3.5) → 10,000 RP
"If you make eligible transactions worth INR 5 lacs or more in one membership year, you will be rewarded with additional 10,000 reward points." (T&C 3.5) → 10,000 RP

Fees

Annual fee: ₹2,500, plus 18% GST
Joining fee: ₹2,500

Welcome benefit: 10,000 Reward Points on paying the joining fee and meeting a spend condition.

Where this comes from

Transcribed from RBL Bank's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with RBL Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.