The RBL Lumiere Credit Card costs Rs 50,000 a year. Its base return is 2% (4 points per Rs 200 (Card Insider)). Accelerated earn: 20 points per Rs 200 on purchases via lumiere.rbl.bank.in. The forex markup is 0%. Lounge visits in India: Unlimited for primary cardholder and accompanying guests. Abroad: Unlimited for primary; 10 guest visits per calendar year. Read from the issuer's documents and an aggregator on 11 Oct 2026.
RBLLumiereCard design not shown
Annual fee
Rs 50,000+ GST
Fee waived at
—
Base return
2%
Forex markup
0%
Interest
3.4%a month
Fees
Joining fee
Free
Annual fee
Rs 50,000
Fee notes
Rs 50,000 + GST; first three add-on cards free; Card Insider reports the fee is waived for a Rs 2 crore total relationship value
Rewards
Welcome benefitunverified
Rs 30,000 Taj Experiences or Marriott e-gift voucher; Club Marriott or ITC Culinaire membership (Card Insider)
Reward currency
Reward Points
Base earnunverified
4 points per Rs 200 (Card Insider)
Base returnunverified
2%
Point valueunverified
1 point = Re 1 on the Lumiere platform (Card Insider)
Accelerated earnunverified
20 points per Rs 200 on purchases via lumiere.rbl.bank.in
Points expiryunverified
No expiry (Card Insider)
Reward notes
base_return_pct = 4 points per Rs 200 x Re 1, from Card Insider. No redemption fee per issuer MITC.
Transfers
Partnersunverified
Air India Maharaja Club, Qatar Airways Privilege Club, Singapore KrisFlyer, AirAsia, Club ITC
Ratiounverified
1:1 (Card Insider)
Travel and perks
Domestic loungeunverified
Unlimited for primary cardholder and accompanying guests
International loungeunverified
Unlimited for primary; 10 guest visits per calendar year
Forex markup
0%
Fuel surcharge waiverunverified
1% on Rs 500-10,000 transactions (Card Insider)
Other freebiesunverified
8 airport meet-and-greets a year; unlimited golf rounds and 12 lessons a year; 25% off up to Rs 5,000 at select restaurants via District
Charges and eligibility
Interest per month
3.4%
Late payment fee
12.5% of total amount due, min Rs 5, max Rs 1,300
Cash advance fee
2.5% min Rs 500
Eligibility
By invitation; 'express your interest' on the issuer page
Fine-print notes
Issuer page is marketing only. Fee, zero forex markup and 3.4% interest are from the issuer MITC; everything else from Card Insider (updated 18 May 2026). Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants.
Questions
What is the annual fee of the RBL Lumiere Credit Card?
Rs 50,000 a year, before GST.
Does the RBL Lumiere Credit Card give airport lounge access?
Yes. In India: Unlimited for primary cardholder and accompanying guests. Outside India: Unlimited for primary; 10 guest visits per calendar year.
What is the forex markup on the RBL Lumiere Credit Card?
0% of each foreign-currency transaction, before GST.