Platinum Maxima Credit Card
Fees
₹2,000 + Taxes
Joining & annual
Reward Rate
10 Reward Points per ₹100 on dining, entertainment, utilities & international spends (2.5%); 2 points per ₹100 on other spends
Welcome Bonus
8,000-10,000 Reward Points welcome bonus on annual fee payment + 1 eligible transaction within 30 days
Lounge
2 Domestic/Qtr, No International
Our Expert Take
The Platinum Maxima Credit Card from RBL Bank offers 10X Rewards on Dining & International Spends with an annual fee of ₹2,000 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
10 points per ₹100 on dining, entertainment, grocery, international
Max 1,000 points per month
Reached after about ₹10,000 of spend
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
Pros & Cons
Key Advantages
- 10 Reward Points per ₹100 on dining, entertainment, utilities & international spends
- 8,000-10,000 Reward Points welcome bonus on annual fee payment
- 1 complimentary BookMyShow movie ticket every month, up to ₹100
- Fee waiver threshold (Annual fee waived on ₹2.5 Lakh annual retail spends)
Limitations
- No international lounge access despite the premium positioning
- No spend-based annual fee waiver offered
- Reward redemption carries a ₹99 + GST processing charge
Key Perks & Spending Milestones
Accelerated reward earn rate on rewards 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 ₹2.5 Lakh annual retail spends
Fees & Charges
Joining fee
₹2,000 + Taxes
Annual fee
₹2,000 + Taxes
Annual fee waived on ₹2.5 Lakh annual retail spends
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
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on RBL Platinum Maxima?
How many lounge visits does Platinum Maxima offer?
How is the ₹2,000 annual fee waived?
Compare Platinum Maxima Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Platinum Maxima Credit Card This Card | ₹2,000 + Taxes | 10 Reward Points per ₹100 on dining, entertainment, utilities &... | 2 Domestic/Qtr, No International | 4.4/5 |
| Tata Neu Infinity SBI Card | ₹1,499 + Taxes | 5% NeuCoins on Tata Neu App/Website + partner brands, up to 10% on... | 2 Domestic/Qtr (₹75K Spend) + 4 Int'l/yr | 4.7/5 |
| American Express Membership Rewards® Credit Card | ₹1,000 + Taxes | 1 Membership Rewards Point per ₹50 spent (excl. fuel, utility,... | No Lounge Access | 4.6/5 |
| IDFC FIRST Business Multiplier Credit Card | ₹2,999 + Taxes | 10 Reward Points per ₹200 spent, up to ₹1 Lakh monthly spend; 5... | 8/yr Domestic + International (₹20K Spend) | 4.6/5 |