An Overview of the RBL Bank Platinum Plus Credit Card

Bio

Sandipan Mitra is the CEO and co-founder of Pice. He boasts eight years of experience in the B2B and fintech sector. Sandipan's journey includes significant roles at multiple Indian Unicorns Including Product at PayU, and as founding member / VP, Product at Open Financial Technologies.

19 Feb 26
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19-02-26

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Table of Contents

RBL Bank Platinum Plus Credit Card Benefits
Estimated Annual Benefit Summary of the RBL Bank Platinum Plus Credit Card
RBL Bank Platinum Plus Credit Card Charges

Get 4000 welcome reward points.
1 reward point per ₹100 spent and 2X points on online spends.
Get ₹200 monthly benefit on BookMyShow.

The RBL Bank Platinum Plus Credit Card is built for customers who want straightforward rewards with added flexibility. Designed as a 4-in-1 solution, it supports your shopping, online purchases, and entertainment needs under one card.

Whether you spend on groceries, fashion, electronics, or travel, the card aligns with your lifestyle and offers structured savings along with milestone rewards and curated offers.

RBL Bank Platinum Plus Credit Card Benefits

To begin with, you can withdraw the entire available RBL Platinum Credit Card cash limit from any ATM in India up to your billing date. A processing fee of 2.5% applies, with a minimum charge of ₹500. This feature offers flexibility when you need quick funds.

The other privileges that come with this card are:

Welcome Benefits: A joining bonus of 4,000 reward points is credited after payment of the joining fee. You must also spend ₹2,000 within 30 days from card issuance.
Reward Points on Every Spend: Earn 1 RBL Bank Platinum Plus Credit Card reward point for every ₹100 spent. Get 2X reward points on online purchases, capped at 1,000 bonus points.
Movie and Fuel Privileges: Get a 1+1 BookMyShow offer up to ₹200 once a month, valid Monday to Friday. Enjoy a fuel surcharge waiver of up to ₹100 per month.

Estimated Annual Benefit Summary of the RBL Bank Platinum Plus Credit Card

Benefits	Value (₹)
Welcome Benefit	₹1,000
Annual Fee Waiver	₹999
1 RP/₹100 on regular spends(₹1,20,000 annual spend = 1,200 points)	₹300
2X RP on online spends(₹1,20,000 online spend = 2,400 points)	₹600
BookMyShow 1+1 movie offer	₹2400
Fuel surcharge waiver	₹1,200

The estimated annual benefit of ₹6,499 is calculated by assuming the value of 1 reward point at ₹0.25. However, the actual value may range between ₹0.11 and ₹0.25 depending on the redemption category selected on the RBL rewards platform.

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RBL Bank Platinum Plus Credit Card Charges

RBL Bank Platinum Plus Credit Card annual fee and joining fee are both ₹999. Some other charges levied on this card that you must know are:

Charges	Parameters
Add-On Card Charges	₹200
Card Replacement Charges	NIL
Reward Redemption Fee	₹99 + GST
Overlimit Fee	NIL
Late Payment Fine	12.5% of outstanding amount (₹5–₹1,300)

💡Why should you worry about late payment fees when you can get monthly credit card bill payment reminders? Install the Pice App to avail this privilege. Also, pay your bills and track payment status right on the app.

Footnotes:

The fuel waiver applies to fuel transactions between ₹500 and ₹4,000.
The lounge benefits available on this card have been discontinued.

FAQs

How can I redeem the BookMyShow offer?

You can apply the BookMyShow offer under the ‘Offers or Discounts’ section during checkout. Enter your card details and expiry date to proceed. The offer cannot be combined with other discounts.