M16S / RBL Bank / RBL Platinum Maxima Plus Credit Card
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RBL Platinum Maxima Plus Credit Card
The RBL Platinum Maxima Plus Credit Card costs Rs 2,500 a year. Its base return is 0.5% (2 points per Rs 100). Accelerated earn: 10 points per Rs 100 on dining, entertainment, grocery and international purchases. The forex markup is 3.5%. Lounge visits in India: 2 per quarter. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 2,500+ GST
- Fee waived at
- —
- Base return
- 0.5%
- Forex markup
- 3.5%
- Interest
- 3.99%a month
What changed on this card
- RBL Bank adds 1% fee on FASTag loading and toll payments above Rs 10,000, Jan 2026
From 7 January 2026 RBL Bank charges a 1% fee on FASTag loading and toll payment transactions above Rs 10,000 per transaction per card (MCC 4784, 4111 and 4131). The RBL MITC lists this as a card charge for its credit cards. Source: RBL Bank, webassets.rbl.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 2,500 |
| Fee notes | Issuer MITC: no separate joining fee; the first-year annual fee is charged upfront |
Rewards
| Welcome benefit | 10,000 points after use in 30 days and fee payment |
|---|---|
| Reward currency | Reward Points |
| Base earn | 2 points per Rs 100 |
| Base return | 0.5% |
| Point valueunverified | Rs 0.25 per point, implied by the page's example (67,600 points = Rs 16,900) |
| Accelerated earn | 10 points per Rs 100 on dining, entertainment, grocery and international purchases |
| Caps | 1,000 points per month on accelerated categories |
| Spends that earn nothing | No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions |
| Milestone benefits | 10,000 points each at Rs 2 lakh, Rs 3.5 lakh and Rs 5 lakh annual spend |
| Reward notes | base_return_pct = 2 points per Rs 100 x Rs 0.25. The accelerated cap is hit at Rs 10,000 a month. |
Travel and perks
| Domestic lounge | 2 per quarter |
|---|---|
| International lounge | None stated |
| Lounge conditions | Needs Rs 35,000 spend in the previous calendar quarter |
| Forex markup | 3.5% |
| Other freebies | BookMyShow: 1 free ticket up to Rs 200 a month on buying 2 or more |
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| Late payment fee | 12.5% of total amount due, min Rs 5, max Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Fine-print notes | 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 Platinum Maxima Plus Credit Card?
- Rs 2,500 a year, before GST.
- Does the RBL Platinum Maxima Plus Credit Card give airport lounge access?
- Yes. In India: 2 per quarter. Outside India: none listed. Conditions: Needs Rs 35,000 spend in the previous calendar quarter
- What is the forex markup on the RBL Platinum Maxima Plus Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the RBL Platinum Maxima Plus Credit Card?
- No points on fuel & auto, utilities, insurance, quasi-cash, real estate/rent, education, wallets, government services, contracted services, cash, railways, Bills2Pay, EMI conversions