A Comprehensive Overview of the RBL Bank Platinum Maxima Credit Card

Bio

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

  • 4 Feb 26
  • 4 mins
rbl bank platinum maxima credit card

A Comprehensive Overview of the RBL Bank Platinum Maxima Credit Card

avatar of shreyansh singh
avatar of shreyansh singh Shreyansh Singh
  • 08 Mins
  • 04-02-26

Key Takeaways

  • RBL Bank Platinum Maxima Credit Card suits travel, movie and daily-spend users.
  • Earn up to 10 reward points per ₹100 on select categories.
  • Enjoy quarterly domestic lounge access on meeting spend criteria.
  • Attractive milestone rewards of up to 20,000 bonus points yearly.
  • Flexible EMI options with low processing fees and cashback benefits.

The RBL Bank Platinum Maxima Credit Card suits people who love travel and movies. It also offers strong value on daily expenses across shopping, food and groceries. Cardholders earn reward points on every purchase.

The card fits modern lifestyle needs with steady savings and simple rewards. It comes with a joining and annual fee of ₹2,000. As a welcome benefit, users receive 8,000 bonus reward points within 60 days from card issue.

RBL Bank Platinum Maxima Credit Card Advantages

RBL Bank Platinum Maxima Credit Card Advantages
  1. Lounge Benefits

Cardholders can enjoy access to 1 domestic airport lounge each quarter. This benefit applies when spending crosses ₹35,000 in the previous calendar quarter.

  1. Movie Benefits

Users get a monthly movie offer on BookMyShow. The benefit gives a ₹100 discount or 1 free ticket, whichever is lower. The offer works on both the app and website.

  1. Reward Benefits

Earn 2 reward points on every ₹100 spent on retail purchases. Dining, entertainment, grocery and international spends earn 5X reward points, which is 10 per ₹100.

  1. Milestone Benefits

Earn up to 20,000 bonus reward points in one membership year. Spend ₹2.5 lakh to get 10,000 points. Spend ₹4 lakh to receive another 10,000 points.

RBL Platinum Maxima Credit Card Lounges List

Here are 5 available domestic lounges, each for the Mastercard and VISA networks. Check out the full list of lounges if you could not find your city here.

  1. Mastercard Network
CityAirportLounge
New DelhiIndira Gandhi International AirportEncalm Lounge
MumbaiChhatrapati Shivaji International AirportOASIS Lounge
KolkataNetaji Subhash Chandra BoseTFS - Travel Club Lounge
BangaloreKempegowda International Airport080 Domestic Lounge
ChandigarhChandigarh International AirportPrimus Lounge
JaipurJaipur International AirportPrimus Lounge
  1. VISA Network
CityAirportLounge
AhmedabadSardar Vallabhbhai Patel InternationalAirportThe Lounge
ChennaiChennai International AirportTravel Club Lounge B Dom T1 Departure
DehradunJolly Grant AirportBird Lounge
HyderabadRajiv Gandhi International AirportEncalm Lounge Dom T1 Departure
NagpurDr. Babasaheb Ambedkar InternationalAirportMandarin Lounge
PunePune International AirportElysian Lounge GF

RBL Bank Platinum Maxima Credit Card EMI Options

The EMI Facility converts big purchases into manageable monthly payments, ideal for flexible spending without hassle. It features low interest rates and minimal processing fees.

  1. Merchant EMI Program

Split transactions into EMIs right at checkout with tenures of 3, 6, 9, 12, 18 or 24 months. Available at select POS terminals and online merchants with no paperwork.

  1. Split ’n’ Pay Option

Convert eligible transactions over ₹2,500 into EMIs after purchase via the MyCard App, WhatsApp, MyBank App, chatbot or customer service.

  1. EMI Infinity Pass Benefits

Enjoy 100% cashback on your first Split ’n’ Pay fee, plus 20% on subsequent ones for a year. It also unlocks special EMI deals and optional auto-renewal.

RBL Platinum Maxima Credit Card Charges

ParametersCharges
Add-On Cards₹200
Card Replacement FeeNIL
Finance ChargesUp to 3.99% p.m. or 47.88% p.a.
Reward Redemption Fee₹99
Cash Advance Fee2.5% or min ₹500
Overlimit FeeNIL
Late Payment Fine12.5% of outstanding amount (₹5–₹1,300)

💡Looking for a seamless way to manage your credit card bills? The Pice App lets you pay credit card bills directly through the secure GST-compliant app. You also get bill payment reminders and can track payment status.

Conclusion

The RBL Bank Platinum Maxima Credit Card blends travel, movies and everyday rewards into one lifestyle card. With milestone bonuses, lounge access and strong reward rates on dining and groceries, it delivers consistent value for frequent spenders seeking simple benefits and flexible EMI options with transparent fees and customer support.

FAQs

What is the annual fee of RBL Bank Platinum Maxima Credit Card?

It has a joining and annual fee of ₹2,000.

What welcome benefit does the RBL Bank Platinum Maxima Credit Card offer?

Users receive 8,000 bonus reward points within 60 days of card issuance.

Can I convert purchases into EMIs?

Yes, eligible spends can be converted into EMIs easily.

How many reward points can I earn on regular spends?

You earn 2 reward points per ₹100 on retail purchases.

Is there a reward redemption fee?

Yes, a redemption fee of ₹99 applies.
About the author
Shreyansh Singh

Shreyansh Singh

Shreyansh Singh, an IIT Kanpur alumnus, has eight years of experience in the finance industry. He has spent 5 years at American Express developing mid to long-term strategies for multiple markets including US, Europe and India. Shreyansh currently leads Growth and Strategy initiatives at Pice.

by Sandipan Mitra

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