Lumiere Credit Card
Fees
₹50,000 + Taxes
Joining & AnnualReward Rate
4 Reward Points per ₹200 spent (~2%); 20 points per ₹200 (10%) via the Lumiere rewards portal
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge Access
Unlimited Domestic + International + Guests
FindMyCard Expert Take
The Lumiere Credit Card from RBL Bank offers Golf Privileges & International Rewards with an annual fee of ₹2,000 + Taxes.
Pros & Cons
Key Advantages
- Unlimited domestic and international lounge access for cardholder and guests
- Golf privileges for the primary cardholder
- Complimentary airport meet-and-greet service, zero forex markup
- Fee waiver threshold (Annual fee waived on ₹3 Lakh annual retail spends)
Limitations
- ₹50,000 annual fee, waived only for ₹2 Crore+ Total Relationship Value clients
- Invite-only; not available for direct public application
- Golf privileges are limited to the primary cardholder only
Editorial Verdict
The Lumiere Credit Card is ideally suited for golf privileges & international rewards. If you want 4 reward points per ₹200 spent (~2%); 20 points per ₹200 (10%) via the lumiere rewards portal, this card delivers real value. The ₹50,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Invite-Only, ₹2 Crore+ Total Relationship Value with RBL Bank credit to be approved.
Key Perks & Spending Milestones
Accelerated reward earn rate on premium purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Annual fee waived on ₹3 Lakh annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹50,000 + Taxes
💡 Waived for customers maintaining ₹2 Crore+ Total Relationship Value with RBL Bank
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
age
21 to 65 years
employment profiles
Invitation-only metal card for ultra-high-net-worth RBL Bank relationship clients
Compare Lumiere Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Lumiere Credit Card This Card | ₹50,000 + Taxes | 4 Reward Points per ₹200 spent (~2%); 20 points per ₹200 (10%) via... | Unlimited Domestic + International + Guests | 4.5/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |