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RBL Bank Platinum Maxima Credit Card

★★★☆★(3.5)

RBL Platinum Maxima Credit Card is a mid-category credit card, offered by RBL Bank in India. It comes with several attractive perks, such as airport lounge benefits, entertainment benefits and milestone benefits. Moreover, it also allows users to earn reward points on several transactions done across various categories.

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RBL Bank Platinum Maxima Credit CardFromSBI Bank
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Features and Benefits

Aspects that make spending using this card lit as the sun!

✔Welcome Bonus
✘Travel
✘Fuel
✔Rewards
✘Shopping
✘Cashback
✘Dining
✘Insurance
✘Interest
Welcome Bonus
Welcome Bonus
  • 8,000 Reward Points on card activation.
Milestone Benefit
Milestone Benefit
  • Earn 10,000 points on purchases of ₹2.5 lakhs or more in a year.
  • Additional 10,000 points on crossing ₹4 lakhs of annual spends.
Lounge Access
Lounge Access
  • 2 Complimentary access every quarter to domestic airport lounges in India.
Entertainment Benefit
Entertainment Benefit
  • 1 Complimentary movie ticket every month up to ₹100 at BookMyShow.
Reward Points
Reward Points
  • Earn 2 Reward Points for every ₹100 spent on all your purchases.
  • Earn 10 Reward Points for every ₹100 when you use your card for dining, entertainment, utility bill payments and international purchases.
Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Charges

Joining Fee

₹2000

Annual Fee

₹2000

Annual Percentage Rate

47.88%

Add-on Card Fee

Free

Minimum Repayment Amount

5%

Cash Withdrawal Fee

2.50%

Cash Advance Limit

40%

Card Replacement Fee

₹200

Foreign Transaction Fee

3.50%

Over Limit Penalty

2.50%

Fuel Transaction Surcharge

1%

Reward Point Value

₹0.25
Pros

Aspects that make this credit card amazing.

  1. ⮚Users get complimentary access to airport lounges.
  2. ⮚Monthly 1 free movie ticket through BookMyShow.
  3. ⮚Attractive reward points on spending across various categories.
Cons

Aspects this credit card lacks.

  1. ⮚Reward redemptions are subject to charges of ₹99 + GST.
  2. ⮚No waiver of fee on fuel spends.

RBL Bank Platinum Maxima Credit Card Review

This is the truth, the whole truth, and nothing but the truth; brought to you by the other users.

RBL Platinum Maxima is a credit card made for everyday usage that brings along several perks for its users. Perks include access to domestic airport lounges and BOGO offers on purchases of movie tickets through BMS. Perks are not limited to this only, users even earn reward points on all purchases. Besides that, users are also offered attractive reward points under the milestone benefits. However, for all these benefits offered, users are charged an annual fee of ₹2,000 which seems quite a bit on the higher side because better options of cards are available in the market that offers some more attractive benefits like a discount on dining, cashback on utility bills and much more.

Overview

Best forRewards
Joining Fee₹2,000 + Applicable Taxes
Annual Fee₹2,000 + Applicable Taxes
Welcome Benefits8,000 Reward Points
Card NetworkMastercard

RBL Bank Platinum Maxima Credit Card Maximum Cashback

CategoriesReward Points (per ₹100 spent)
On special categories10 pts.
On other purchases2 pts.

Who should get an RBL Bank Platinum Maxima Credit Card?

The RBL Platinum Maxima credit card is an ideal choice for users who frequently travel and spend a substantial amount on movies and other utility services such as electricity and water. Because on every transaction across all these categories, users earn attractive reward points. Additionally, users also get complimentary access to airport lounges along with exclusive milestone benefits. That is why this card is best suited for individuals who are comfortable paying an annual fee of ₹2,000 in exchange for these offers and benefits.

How to Apply for an RBL Bank Platinum Maxima Credit Card?

1. Apply for an RBL Bank Platinum Maxima Credit Card Online

  • Users can apply for the RBL Platinum Maxima Credit Card online and offline at their convenience. To apply offline, simply visit the nearest branch with all the required documents and fill in the physical application form. To apply online, follow a few simple steps as mentioned below:
  • Visit the RBL Bank Website.
  • Under the Credit Card section, Platinum Maxima will be listed.
  • Click on “Apply Now” and start the application process.
  • Fill in all the required details and upload all the necessary documents in order to complete the process.

RBL Bank Platinum Maxima Credit Card Eligibility

Applicants must be at least 18 years of age and have a steady source of income to be eligible for a credit card.

    Documents Required

    • Proof of identity: Proof of identity: PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI or any other government-approved photo ID proof.
    • Proof of Address: Proof of Address: Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof.
    • Proof of Income: Proof of Income: Latest one or two salary slips (not more than 3 months old), latest Form 16, and the last 3 months’ bank statement.