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RBL Platinum Maxima Plus Credit Card: Fees, Rewards & Benefits

Dining card with lounge access

Vyaya Team · Jun 2026
5 min read
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Value Score
7.0 / 10
Annual Fee
₹2,500
Best For
Dining and lifestyle spender, Mid-premium card seeker
Network
Mastercard
Expert Verdict

The RBL Platinum Maxima Plus packs four 5X categories and stacking milestones worth up to 30,000 points, plus 8 domestic lounges, for a moderate Rs. 2,500 fee. The 0.25-per-point value, 1,000-point category caps, lack of a fee waiver and 3.5% forex markup mean it rewards active dining-and-lifestyle spenders most.

RBL BANKMastercard
RBL Platinum Maxima Plus
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REWARD SUMMARY
0.5% Base Rewards
Dining card with lounge access
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The Bottom Line

The RBL Platinum Maxima Plus is built for dining and lifestyle spender and mid-premium card seeker. With a ₹2,500 annual fee, it offers 2.5% rewards on dining and 10,000 bonus points. It makes the most sense if your spending matches dining and lifestyle spender and mid-premium card seeker.

It earns a base reward rate of 0.5% and stacks best when your spending lines up with Dining and lifestyle spender, Mid-premium card seeker.

What we like
+Broad 5X acceleration (10 points per Rs. 100 vs the 2-point base) across dining, entertainment, grocery and international spends.
+Stacking annual milestones: 10,000 bonus points each at Rs. 2 lakh, Rs. 3.5 lakh and Rs. 5 lakh spend, for up to 30,000 bonus points a year.
+8 complimentary domestic lounge visits a year and a monthly BOGO BookMyShow movie ticket (up to Rs. 200).
+Moderate Rs. 2,500 annual fee for a premium card with multiple 5X categories.
What we don't
–Low base point value of Re. 0.25, so the 5X categories are worth about 2.5% back and the base just 0.5%.
–Each 5X category is capped at 1,000 points per month, limiting the accelerated earning.
–No annual fee waiver mechanism is offered, so the Rs. 2,500 fee is a recurring cost.
–High 3.5% forex markup despite international being a 5X category, and fuel earns no points.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Dining and lifestyle spender

Someone who spends across dining, entertainment and groceries and can fill the 1,000-point monthly caps in each 5X category while collecting the up-to-30,000 milestone points.

+
Mid-premium card seeker

A user wanting multiple 5X categories plus 8 domestic lounge visits at a moderate Rs. 2,500 fee.

Probably not for

Skip
–
International traveller

Despite 5X on international spend, the 3.5% forex markup erodes the benefit for anyone spending heavily abroad.

–
Low spender

With no fee-waiver path, anyone who cannot use the 5X categories or hit the Rs. 2 lakh milestone pays the Rs. 2,500 fee for little return.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

Dining
0₹5,000Max ₹50k
Est. Returns
Travel
0₹10,000Max ₹1L
Est. Returns
Online & Shopping
0₹8,000Max ₹80k
Est. Returns
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Welcome bonus (Year 1)+₹2,500
Annual fee-₹2,500
Net Value (Year 1)+₹0
Net Value (Year 2+)₹-2,500

Sign in for personalized estimates based on your actual spending

Reward Rates

RBL Platinum Maxima Plus offers 0.5% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Dining
2.5%
Entertainment
2.5%
Grocery
2.5%
International
2.5%

Welcome Offer

10,000 Reward Points

10,000 Reward Points as welcome benefit, credited after payment of the annual fee and the first card transaction within 30 days of card issuance.

Value: ₹2,500

Milestone Benefits

Spend ₹2,00,000

10,000 bonus Reward Points on crossing INR 2,00,000 in annual spends.

Spend ₹3,50,000

Additional 10,000 bonus Reward Points on crossing INR 3,50,000 in annual spends.

Spend ₹5,00,000

Additional 10,000 bonus Reward Points on crossing INR 5,00,000 in annual spends.

Fees & Charges

Joining fee₹2,500
Annual fee₹2,500
Fee waiverN/A

Eligibility

  • Min Income: ₹5.4 Lakhs
  • Min Credit Score: 750
  • Age 21+; min monthly income ~Rs 45,000 (Rs 5.4L p.a.); salaried or self-employed; 10X reward points on dining, entertainment, grocery and international spends.

Exclusions & Terms

Forex markup

  • Foreign currency markup

Cash Advances

  • Cash withdrawals do not earn Reward Points.

Frequently Asked Questions

3 data-backed answers from our card database

What is the annual fee of the RBL Platinum Maxima Plus?+

The RBL Platinum Maxima Plus has an annual fee of ₹2,500.

What rewards does the RBL Platinum Maxima Plus offer?+

It earns Reward Points, with accelerated earning on Dining, Grocery.

Does the RBL Platinum Maxima Plus offer airport lounge access?+

Yes, it includes complimentary airport lounge access. See the benefits section for visit limits.

Ready to apply?

₹2,500 annual fee. Apply on the RBL Bank website.

Apply on RBL Bank →

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