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.
16 Oct 25
6 mins
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Difference between Platinum and Titanium Credit Cards from RBL Bank
The RBL Platinum Maxima Credit Card offers 8,000 reward points upon joining, whereas the Titanium Delight Credit Card provides 2,000 points on your first purchase and cashback offers.
Platinum Maxima users earn 2 reward points per ₹100 spent, with bonus milestones up to 10,000 points, while Titanium Delight offers 1 point per ₹100, plus extra rewards for specific categories like groceries and dining.
The Platinum Maxima offers 1 complimentary airport lounge visit every quarter, whereas Titanium Delight does not include lounge access, making Platinum more suited for frequent travellers.
The Platinum Maxima card has a joining and renewal fee of ₹2,000 + GST, compared to Titanium Delight’s ₹750 + GST, but offers higher-value perks in return.
The difference between platinum and titanium credit card also lies in eligibility: Platinum requires a minimum monthly income of ₹45,000, making it a premium-tier product targeting higher earners.
Looking for a credit card that matches your lifestyle? RBL Bank offers two popular choices - Platinum Maxima and Titanium Delight, each with unique rewards and fees. The Platinum Maxima brings an attractive start with 8,000 reward points on joining and completing a transaction within 30 days.
The Titanium Delight, on the other hand, gives a 2,000‑point welcome bonus on your very first swipe. But benefits, fees, and perks vary widely between the two.
So, should you upgrade to Platinum or stick with Titanium? Let us compare the difference between platinum and titanium credit card and find out!
Key Differences between Platinum and Titanium Credit Cards
If you are torn between wanting to stick to the Titanium Delight Credit Card and switching to the RBL Platinum Maxima, we’re here to help! Both the Platinum Maxima and Titanium Delight Credit Cards are associated with lucrative offerings.
While Titanium Delight provides certain affordable perks, the Platinum Maxima offers the same, further premium benefits and rewards. The table below compares their features, benefits and more.
Point of Difference
RBL Platinum Maxima Credit Card
RBL Titanium Delight Credit Card
Welcome Offers
Get 8000 reward points post payment of the joining fee, and after making a transaction via the card within 30 days of issuance
- Earn 2000 points upon making your first purchase with the card.- Get a welcome gift of a ₹1000 voucher on products from a host of brands. - Earn a 10% cash back. - Get 5X Rewards upon making online purchases with the card.
Cashback & Reward Points
- Gain 2 reward points upon spending ₹100. - Get 10,000 reward points upon spending ₹2.5 lakhs/more within a particular year. - Enjoy additional bonus reward points up to 10,000 upon spending ₹4 lakhs within a specific year.
- Bag 1 Reward point upon spending ₹100 on groceries, travel, electricity and dining. - Get 4000 extra reward points if you reach a spending milestone (₹1.2 Lakhs or above in this case). - Gain 10 reward points for every ₹100 spent on groceries bought on Wednesdays (maximum of 1000 points).
Movie Discount Benefits
Bag a complimentary movie ticket each month upon purchasing 2 or more tickets on the BookMyShow website. The amount of the complimentary ticket can go up to ₹100.
Unlock the ‘1+1 Buy one get one free deal’/₹200 off on movie tickets on the BookMyShow website each month on Wednesdays.
Dining Offer Benefits
Get 5X Reward Points on utility bills, dining, entertainment or international buys.
Enjoy 20 reward points for ₹100 spent on pizza (order can be placed online from either Domino’s or Pizza Hut).
Free of Cost Airport Lounge Access
Get 1 complimentary visit every calendar quarter to any domestic airport lounge through the MasterCard Program.
Free access to the Airport lounge is not offered on this RBL Bank Credit Card option.
Fuel Offer Benefits
Get 5X Reward Points on all your fuel spend.
Enjoy a fuel surcharge waiver at various fuel stations on transactions of ₹500 - ₹4000 (Maximum of ₹100 monthly waiver).
💡Use the PICE App to pay your Titanium or Platinum credit card bills and avail all benefits.
Fees & ChargesDifference in Platinum and Titanium Credit Card
If you wish to opt for a new credit card, the RBL Bank’s Platinum Maxima shall prove to be a better option than the Titanium Delight. RBL Bank is no longer accepting fresh applications for the Titanium Delight card. Thus, the Platinum Maxima stands out as a great option.
Offering premium rewards and benefits, the Platinum credit card justifies its relatively higher fees. For all those who value exclusive and luxury perks, the Platinum Maxima card is the right choice.
Here’s how the fees differ between the platinum and titanium credit cards from RBL Bank:
Eligibility Criteria for RBL Platinum Maxima and Titanium Delight Credit Card
Here is a summary of the eligibility criteria for RBL Bank Platinum Maxima and Titanium Delight credit cards:
RBL Bank Platinum Maxima Credit Card Eligibility
Primary applicant age: Minimum 21 years old
Supplementary cardholder age: Minimum 18 years old
Monthly income: ₹45,000 or more
Employment: Employed or self-employed
Residency: Must be a resident of India
Requires good credit history and relevant identity, address, and income documents
RBL Bank Titanium Delight Credit Card Eligibility
Applicant age: Minimum 21 years old
Good credit score required
Income requirement not explicitly stated but targeted at salaried individuals
Annual fee waiver available on achieving specified spend milestones
Both cards require applicants to be Indian residents and have a good credit history. The Platinum Maxima has a higher minimum income criterion compared to the Titanium Delight card.
Conclusion
RBL’s Titanium Delight card, though not available for new applicants, remains valuable for existing users. For those applying now, the Platinum Maxima card stands out with premium rewards and fees that match its benefits.
Understanding the difference between platinum and titanium credit cards from RBL Bank is essential to make an informed choice. Whether upgrading or sticking to your current card, RBL offers credit cards designed to suit diverse financial needs and lifestyle preferences.
FAQs
What is the main difference between Platinum and Titanium credit card from RBL Bank?
The main difference between Platinum and Titanium credit card lies in their benefits. The Platinum Maxima offers premium perks like airport lounge access and higher reward points, while Titanium Delight provides budget-friendly rewards and cashback options.
Which RBL credit card offers airport lounge access, Platinum or Titanium?
Only the RBL Platinum Maxima Credit Card includes complimentary domestic lounge access once per quarter, whereas the Titanium Delight card does not offer this facility.
Which card offers higher joining and renewal fees?
In terms of cost, the RBL Platinum Maxima has a ₹2,000 + GST joining and renewal fee, while the Titanium Delight is more affordable at ₹750 + GST.
Which card gives better reward points on spending?
The Platinum Maxima Credit Card provides 2 reward points per ₹100 spent, plus milestone bonuses, compared to Titanium Delight’s basic 1 reward point per ₹100, with select category bonuses.
Which card is better for frequent travellers?
For frequent travellers, the Platinum Maxima is ideal because of lounge access, higher rewards, and bonus points on dining, entertainment, and international spends.
Is the Titanium Delight still worth keeping?
Yes, if you already own it. Despite limited perks, it still offers cashback, movie discounts, and dining benefits, making it a decent option for everyday use.
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.
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