Lumiere Credit Card
Fees
₹50,000 + Taxes
Joining & annual
Reward 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
Unlimited Domestic + International + Guests
Our 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
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
Spend milestone
Annual fee waived on ₹3 Lakh annual retail spends
Fees & Charges
Joining fee
₹50,000 + Taxes
Annual fee
₹50,000 + Taxes
Waived for customers maintaining ₹2 Crore+ Total Relationship Value with RBL Bank
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹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
Credit score & income
Invite-Only, ₹2 Crore+ Total Relationship Value with RBL Bank
Frequently Asked Questions
What's the reward rate on RBL Lumiere?
How many lounge visits does Lumiere offer?
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 |