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RBL Platinum Maxima Credit Card Review
A mid-tier rewards card weighted toward dining, grocery, entertainment and international spends.
₹2,000 + GSTAnnual fee
4.0/5Editorial rating
Visa, MastercardNetwork
At a glance
Quick facts
₹2,000 + GSTJoining fee
₹2,000 + GSTAnnual fee
Spenders who want accelerated points across four everyday categoriesBest for
3.5%Forex mark-up
Cost & earn rate
Fees and reward rates
8,000 bonus reward points credited within 60 days of the first card transaction within 30 days of issuance.
| Charge | Amount |
|---|---|
| Joining fee | ₹2,000 + GST |
| Annual fee | ₹2,000 + GST |
| Cash withdrawal fee | 2.5% of amount, min ₹500 |
| Foreign currency mark-up | 3.5% |
| Reward redemption fee | ₹99 + GST per redemption day |
| Spend category | Reward rate |
|---|---|
| Dining, grocery, entertainment & international spends | 10 reward points per ₹100 (max 1,000 points/month) |
| All other purchases | 2 reward points per ₹100 spent |
- 10,000 bonus reward points on crossing ₹2 lakh of annual spend.
- A further 10,000 bonus reward points on crossing ₹4 lakh of annual spend.
Card benefits
What else you get
1 complimentary domestic lounge visit every calendar quarter (subject to ₹35,000 of spend in the previous quarter from July 2025).
Complimentary movie ticket up to ₹100 on BookMyShow when booking two or more tickets.
1% fuel surcharge waiver between ₹500 and ₹4,000.
Our take
Verdict
What works
- 10X rate across four genuinely common spend categories
- Two separate milestone bonuses reward consistent annual spend
- Quarterly lounge access at a mid-tier fee point
What to watch for
- Lounge access now requires ₹35,000 of prior-quarter spend
- 1,000-point monthly cap limits the accelerated categories
- ₹2,000 fee has no published spend-based waiver
Common questions
FAQs
What categories earn the accelerated 10X rate on Platinum Maxima?
Dining, grocery, entertainment and international transactions all earn 10 reward points per ₹100, capped at 1,000 bonus points in a calendar month.
How do the milestone bonuses work?
You earn 10,000 bonus points on crossing ₹2 lakh of annual spend, and a further 10,000 points on crossing ₹4 lakh, for up to 20,000 bonus points a year.
Has the lounge access benefit changed recently?
Yes, from 1 July 2025, the complimentary quarterly domestic lounge visit requires ₹35,000 or more of spend in the preceding calendar quarter.
Which categories are excluded from reward point earnings?
Fuel, railways, utilities, real estate/rental, wallet loads, insurance and miscellaneous merchant categories don't earn reward points on this card.
Is there a fee waiver on annual spend for Platinum Maxima?
No published waiver currently applies; the ₹2,000 + GST annual fee is charged regardless of spend level.
Compare more RBL Bank cards
See the full RBL Bank credit card lineup on SearchLocally.in.