RBL Platinum Maxima Card - Premium Travel Benefits

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Features of RBL Bank Platinum Maxima Credit Card

Reward Points Structure: One of the standout features of the RBL Bank ShopRite Credit Card is its rewarding points system. Cardholders earn 20 reward points for every ₹100 spent on grocery shopping, with a monthly cap of 1,000 reward points. For all other retail purchases (excluding fuel), you earn 1 reward point per ₹100 spent. Additionally, fuel purchases fetch 10 reward points per ₹100, also capped at 1,000 points per month. These reward points are credited within 45 days of the purchase settlement date and can be redeemed for a variety of options, including travel, hotel bookings, shopping vouchers, and more, at a value of 1 reward point = ₹0.25. A redemption fee of ₹99 + GST applies per redemption request, ensuring cardholders can maximize their savings on everyday expenses.
Welcome Bonus: New cardholders are greeted with a welcome bonus of 2,000 reward points, provided they make a purchase within 30 days of card issuance and pay the annual membership fee by the due date. This bonus, credited within 60 days of issuance, serves as an immediate incentive for card activation and usage, effectively offsetting a portion of the initial costs associated with the card.

- Welcome Bonus Reward Points: Upon joining, cardholders receive 20,000 reward points (approximately ₹5,000) by swiping the card at least once within 30 days of issuance and paying the joining fee of ₹5,000 by the due date. The bonus is credited within 60 days of card issuance, offering an immediate incentive to start using the card.
- Milestone Reward Points: Cardholders can earn additional reward points based on their annual spending: 10,000 points for ₹3 lakh, 15,000 points for ₹5 lakh, and 20,000 points for ₹8 lakh, totaling up to 45,000 points annually. These rewards are credited within 45 days of crossing each spending threshold.
- Airport Lounge Access: Enjoy 2 complimentary domestic lounge visits per quarter at major airports across India. Additionally, access over 1,400 international airport lounges through a complimentary Priority Pass membership, with each visit chargeable at up to $35 per person.
- Golf Privileges: Cardholders receive complimentary golf rounds, discounts on green fees, and free golf lessons at select golf courses across India. Bookings can be made through the Golf Concierge Desk by calling 022 6232 7777.
- Movie Ticket Offers: Avail a buy-one-get-one-free movie ticket offer on BookMyShow, worth up to ₹200, twice a month by selecting the RBL Bank Buy 1 Get 1 Offer under the Offers/Discounts section on the BookMyShow website or app.
- Fuel Surcharge Waiver: The card offers a fuel surcharge waiver of up to ₹200 per month for transactions between ₹500 and ₹4,000 at fuel stations across India. This feature provides practical savings for cardholders who frequently drive.
- Concierge Services: The RBL Bank Icon Credit Card includes 24/7 concierge services to assist with a range of lifestyle needs, including golf course referrals and reservations, car rental and limousine bookings, hotel referrals and reservations, and coordination for special events, spa visits, and gift deliveries. Cardholders can access these services by calling the customer service number at 8885545255.
- Enhanced Security Features: Cardholders can switch their card on or off at any time through the RBL Bank mobile app or website, providing control over card usage and reducing the risk of unauthorized transactions. Additionally, the card offers zero liability protection for lost or stolen cards, provided the loss is reported promptly to the bank’s customer care at 8885545255.
- Global Acceptance: The RBL Bank Icon Credit Card is accepted globally, making it a versatile tool for international travel and online purchases. Available on MasterCard, Visa, or RuPay networks, the card ensures seamless transactions worldwide. However, international transactions incur a 3.5% foreign transaction fee, with non-US dollar transactions first converted to USD before the fee is applied.
- Add-On Cards: Cardholders can share the card’s benefits with family members by issuing add-on cards for their spouse, parents, or children (minimum age 18). All charges and reward points accrued on add-on cards are billed to the primary cardholder’s account, with the primary cardholder retaining control over the credit limit for each add-on card.
- Contactless Payments: The card supports contactless payments, allowing for quick and secure transactions at compatible merchant terminals. This feature aligns with modern payment trends, offering convenience and speed for everyday purchases.
- Online Transaction Capabilities: The RBL Bank Icon Credit Card is equipped for online transactions, with the ability to generate a One-Time Password (OTP) instantly for IVR transactions. This ensures secure and seamless online shopping, catering to the growing trend of e-commerce.
- Flexible Credit Limits: The card’s credit limit is determined based on the cardholder’s income, credit score, and financial profile, and is communicated at the time of card issuance. Cardholders can request a credit limit increase by submitting financial documents such as salary slips or income tax returns, subject to the bank’s approval. The cash advance limit is a percentage of the total credit limit, indicated on monthly billing statements, providing flexibility for emergency cash needs.
- EMI Conversion Options: For large purchases, the card offers a Transfer ‘n’ Pay feature, allowing cardholders to consolidate outstanding balances from other credit cards into one account and repay them in low-cost EMIs. This feature enhances financial flexibility, making it easier to manage high-value transactions.
- Digital Banking Integration: The card integrates with RBL Bank’s net banking and mobile banking platforms, allowing cardholders to manage their account, track transactions, pay bills, and redeem reward points conveniently. The RBL MoBank App further enhances accessibility, offering features like bill payments and transaction alerts. This digital integration ensures that cardholders can stay in control of their finances anytime, anywhere, aligning with modern banking trends.
- Customizable Card Network: Cardholders can choose their preferred card network (MasterCard, Visa, or RuPay) at the time of application, with the option to switch networks for existing cards by contacting the bank’s helpline. This flexibility ensures compatibility with the user’s preferred payment ecosystem, whether they prioritize MasterCard’s global reach or RuPay’s domestic benefits.
- Robust Customer Support: RBL Bank provides 24/7 customer support for the Icon Credit Card, accessible via phone at 8885545255. This ensures that cardholders can resolve queries or report issues promptly, enhancing the overall user experience. The availability of multiple support channels ensures that help is always at hand, whether for transaction disputes, reward redemptions, or card management queries.

Benefits of RBL Bank Platinum Maxima Credit Card

1. Welcome Benefits:
- 8,000 Bonus Reward Points: Upon card issuance, you receive 8,000 reward points as a welcome bonus after making your first transaction within 30 days and paying the annual membership fee by the due date.
- Reward Value: These points, credited within 60 days, are valued at approximately ₹2,000 (1 reward point = ₹0.25).
Use Case: Redeem these points for shopping vouchers, air travel, or hotel bookings via the RBL Rewards Portal. For example, you could redeem them for a ₹2,000 Amazon voucher or offset travel expenses.

Note: A redemption fee of ₹99 + GST applies per transaction, slightly reducing the effective value of the points.

How to Apply for RBL Bank Platinum Maxima Credit Card

1. Online Application via RBL Bank Website or App
- Visit the Website or App: Go to www.rblbank.com or use the RBL MyCard / RBL MoBank mobile apps.
- Navigate to Credit Cards: Under “Personal Banking,” select “Credit Cards” and find the “Platinum Maxima Credit Card.”
- Click Apply Now: Select the card and click the “Apply Now” or “Apply Online” button.
- Enter Personal Details: Fill in full name, mobile number, email, DOB, city, employment type, income, and PAN number.
- Upload Documents: Upload digital copies of required KYC and income documents (PDF/JPEG/PNG, 2–5 MB).
- OTP Verification: Verify mobile number using the OTP sent to your phone.
- Accept Terms: Review and accept the bank’s terms and conditions, including MITC.
- Submit Application: Double-check the details and submit the form. Note the Application Reference Number.
- KYC Verification: A bank representative may contact you within 1–3 working days for video or in-person KYC verification.
- Card Delivery: If approved, the card will be delivered within 3–7 working days with tracking details via SMS.
2. Offline Application via RBL Bank Branch
- Locate Branch: Use the branch locator on the website to find the nearest RBL Bank branch.
- Carry Documents: Bring originals and photocopies of required documents, including photographs.
- Request Form: Ask for the Platinum Maxima Credit Card application form at the branch.
- Fill and Submit: Complete the form with accurate details and submit it along with your documents.
- KYC and Verification: Bank staff may visit your home or office for physical verification of details.
- Approval and Delivery: After approval, the card will be dispatched to your registered address within 7–10 working days.
3. Application via Trusted Third-Party Platforms
- Select Platform: Visit portals like BankBazaar, Paisabazaar, or CreditMantri.
- Find the Card: Search for RBL Bank Platinum Maxima Credit Card and review eligibility.
- Fill Details: Complete the form with personal, financial, and contact details.
- Upload Documents: Upload scanned KYC documents if required by the platform.
- Track Status: Submit the form and track application status via the platform’s dashboard.
Eligibility Criteria:
- Minimum Age: 21 years (primary applicant).
- Stable income and good credit score (preferably 750+).
- Indian resident (salaried or self-employed).
Documents Required:
- Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Voter ID, etc.
- Address Proof: Aadhaar, Utility Bills (within 3 months), Passport, etc.
- Income Proof:
  - Salaried: Salary slips (last 2 months), Form 16, 3-month bank statements.
  - Self-Employed: ITRs (last 2 years), business proof, 6-month bank statements.
- Photographs: 2 recent passport-sized photos (for offline application).
Tips for Faster Approval:
- Ensure all documents are clear and legible.
- Maintain a healthy credit score and repayment history.

Eligibility Criteria for RBL Bank Platinum Maxima Credit Card

1. Age Requirements
- Primary Cardholder: 21–65 years (salaried/self-employed).
- Minimum age: 18 years (basic card requirement).
- Add-on Cardholder: Minimum age of 18 years and must be a close relative.
- Tip: Applicants under 21 or over 65 can apply as add-on cardholders under eligible primary users.
2. Residency Status
- Must be a resident of India.
- NRIs or foreign nationals with valid Indian address proof and supporting documents may be considered.
- Tip: Ensure the address on Aadhaar or other KYC documents matches your current residence.
3. Income Requirements
- Stable and consistent income is mandatory.
- Salaried: Preferred monthly income of ₹25,000–₹50,000.
- Self-Employed: Annual post-tax income of ₹4–6 lakhs or more.
- Verification: Salary slips, Form 16, bank statements, or ITRs as applicable.
- Note: Applicants in metro cities may face slightly higher expectations.
4. Credit Score and History
- Preferred CIBIL score: 750 or above.
- Low credit utilization and clean repayment history recommended.
- Few or no recent loan/credit card inquiries improve approval chances.
- Tip: Check your credit report and resolve any issues before applying.
5. Employment Status
- Salaried: Minimum 6–12 months with current employer, preferably a reputed company.
- Self-Employed: Minimum 1–2 years of business/professional continuity with valid registrations and income proof.
- Freelancers may need strong bank statements and ITRs to prove income stability.
6. KYC Compliance
- Full KYC including PAN, Aadhaar, address proof is mandatory.
- Documents must be current and consistent across all IDs.
7. Existing Relationship with RBL Bank
- Having an RBL savings account, FD, or prior card may improve approval odds.
- Existing customers may receive pre-approved offers with relaxed checks.
8. Debt-to-Income Ratio
- DTI ratio below 40% is ideal.
- Lower existing EMIs and debts increase creditworthiness.
9. Digital Literacy
- Comfort with online/mobile banking preferred due to digital-first operations by RBL.
10. Application History
- No recent rejections or excessive credit inquiries preferred.
- Apply only when your financial and credit profile is strong.
11. Document Verification
- Documents must be legible and submitted in full — partial or unclear documents may result in rejection.
- All submitted information must be verifiable via official sources.
12. Geographical Location
- Applicants must reside in RBL Bank serviceable cities or towns.
- Applicants in Tier I and Tier II cities may have a higher chance of approval.
13. Card Usage Intent
- Applicants with a clear intent to use the card actively for purchases and timely repayments are favored.
- Minimal dormant card history or inactive accounts preferred.

Documents Required for RBL Bank Platinum Maxima Credit Card

Proof of Identity (Any One):
- PAN Card (mandatory for tax purposes)
- Aadhaar Card,Passport
- Driver’s License
- Voter’s ID
- Overseas Citizen of India (OCI) Card
- Person of Indian Origin (PIO) Card
- Job card issued by NREGA
- Any other government-approved photo ID proof
Proof of Address (Any One):
- Aadhaar Card (if not used as identity proof)
- Passport
- Voter’s ID
- Utility bills (electricity, water, or phone, not older than 3 months)
- Rent agreement (showing current residential address)
- Any other government-approved document displaying current address
Proof of Income (Any One or More):
- Latest salary slips (typically last 3 months)
- Bank statements (last 3–6 months)
- Income Tax Returns (ITR) for the last 1–2 years
- Form 16 (for salaried individuals)
- Business financial statements or profit/loss statements (for self-employed)
Additional Documents (If Required):
- One recent passport-sized photograph
- Credit card statement (if holding another credit card)
- Employment proof (e.g., employment letter or business registration documents)
PAN Card or Form 60:
- PAN Card is mandatory, linked to tax records.
- If PAN unavailable, submit Form 60 declaration.
- Ensure PAN is linked with Aadhaar (mandatory as of June 30, 2023).
Digital Copies for Online Applications:
- Scanned/digital copies in PDF or JPEG format, clear and legible.
Tips for Document Submission:
- Ensure all documents are valid and consistent with application details.
- Keep photocopies/digital backups ready.
- Submit via secure platforms like the RBL website or MyCard App.
- Check for location-specific document requirements.
Document Verification Process:
- KYC checks with government databases (Aadhaar, PAN, etc.).
- Income verification through submitted bank statements or ITRs.
- Address verification via physical or digital confirmation.
- Applications with incomplete/invalid documents may face delays or rejection.

Factors Influencing RBL Bank Platinum Maxima Credit Card

Age Requirement: Primary applicants must be at least 21 years old. Add-on cardholders must meet minimum age criteria.
Residency: Only Indian residents are eligible. NRIs may be restricted unless specified otherwise by RBL Bank.
Income Level: Minimum monthly income of ₹45,000 is typically required. Higher income may lead to better approval chances and higher credit limits.
Employment Type: Open to salaried and self-employed individuals with verifiable and stable income sources.
Existing RBL Relationship: Current RBL Bank customers may have a smoother approval process due to existing financial data.
Credit Score: A score of 750+ improves approval chances. Scores below 700 may result in lower limits or rejections.
Credit History: A history of timely repayments on loans/EMIs boosts approval likelihood. Defaults can severely reduce chances.
Debt-to-Income Ratio: A lower ratio reflects stronger financial health and improves approval potential.
Identity Proof: PAN (mandatory), Aadhaar, Passport, Voter ID, or Driving License are accepted.
Address Proof: Aadhaar, utility bills, rent agreement, or passport. Must be recent and valid.
Income Proof: Salary slips, ITR, Form 16, or bank statements. Self-employed individuals must show business financials.
Document Accuracy: Mismatched or incomplete documents can cause delays or rejections.
Income Consistency: Regular and traceable income builds trust and repayment confidence.
Savings or Assets: Fixed deposits or investments help demonstrate financial discipline.
Existing Liabilities: High existing EMIs or balances may reduce your credit limit or trigger rejections.
Reward Maximization: 10 points/₹100 spent on dining, entertainment, groceries, and international spends (monthly cap applies).
Lounge Access: Two free domestic airport lounge visits per quarter—ideal for frequent travelers.
Movie Offers: Buy 1 Get 1 free movie ticket up to ₹200/month via BookMyShow—useful for entertainment seekers.
Other Perks: Includes fuel surcharge waiver, contactless payments, and on/off control via RBL MyCard app.
Annual Fee: ₹2,000 + GST. No waiver on spends; fixed yearly cost.
Reward Redemption Fee: ₹99 + GST per redemption—affects net value of earned points.
Interest Rates: High APR (up to 47.88% annually). Avoid carrying balances to prevent hefty interest.
Foreign Markup: 3.5% + GST applies to international transactions—important for global travelers.
Other Charges: Includes cash withdrawal fee, late fee (up to ₹1,500), and over-limit charges.

Frequently Asked Questions (FAQs)

Who is eligible for the RBL Bank Platinum Maxima Credit Card?

You must be at least 18 years old (some sources specify 21), an Indian resident, and have a steady income—typically ₹45,000/month or more. A credit score of 750+ is preferred. Both salaried and self-employed individuals are eligible.

What documents are required to apply?

Required documents include:
- Identity Proof: PAN Card (mandatory), Aadhaar, Passport, Voter ID, or Driver’s License.
- Address Proof: Aadhaar, utility bills (≤3 months old), Passport, or rent agreement.
- Income Proof: Last 3 months’ salary slips, 3–6 months’ bank statements, ITR, or Form 16.
- Additional documents: Recent photographs, existing credit card statements (if applicable).

How can I apply for the card?

You can apply:
- Online: Visit www.rblbank.com, select the card, fill in the application, upload documents, and verify via OTP.
- Offline: Visit the nearest RBL Bank branch and submit the application with required documents.
Processing typically takes 7–20 days post-KYC verification.

Can existing RBL Bank customers get faster approval?

Yes, existing RBL Bank customers may receive faster approvals since their financial history is already available with the bank.

What if my application is rejected?

Rejections may occur due to:
- Low credit score
- High credit utilization
- Incomplete documentation

To improve approval chances, maintain a good credit score, reduce debt, and reapply after 3–6 months with complete documentation.

What are the key benefits of the Platinum Maxima Credit Card?

- Welcome Bonus: 8,000 points on first transaction within 30 days (after annual fee payment).
- Rewards: 10 points/₹100 on dining, grocery, entertainment, and international spends (up to 1,000 points/month).
- Other Spends: 2 points/₹100 on general purchases.
- Milestone Bonuses: 10,000 points on ₹2 lakh annual spend; extra 10,000 points on ₹4 lakh.
- Lounge Access: 2 complimentary domestic airport lounge visits per quarter.
- Movie Offer: 1 free ticket (up to ₹200) monthly via BookMyShow.
- Fuel Waiver: Up to ₹100/month on fuel surcharge.

How can I redeem reward points?

Redeem points via rblrewards.com for flights, hotels, gift vouchers, and merchandise. Each point is worth approximately ₹0.25. A redemption fee of ₹99 + GST applies per redemption day.

Which airports offer lounge access?

Complimentary domestic airport lounge access is available at major airports such as Delhi, Mumbai, and Bangalore. Lounge access is facilitated through Mastercard or Visa programs. The complete list is available on RBL Bank's official website.

Is the card suitable for international transactions?

Yes, it offers 10 reward points per ₹100 on international spends (capped at 1,000 points/month). However, a 3.5% + GST foreign currency transaction fee applies.

Can I get add-on cards for family members?

Yes, you can get add-on cards for family members aged 18 and above (spouse, parents, children). Add-on users enjoy the same benefits, but the primary cardholder is responsible for all transactions made.

List of RBL Bank Platinum Maxima Credit Card Branches in Karnataka

Bagalkot - Mudhol
Bagalkot - Indi
Bangalore - Bangalore
Bangalore - Koramangala
Bangalore - Prestige Towers

Bangalore - Millers Road
Bangalore - J P Nagar
Bangalore - Indiranagar
Bangalore - Malleswaram
Bangalore - Bannerghatta Road

Bangalore - HSR Layout
Bangalore - Hoskote
Bangalore - Bommasandra
Bangalore - Hosur
Bangalore - Bagalur

Bangalore - Kolar
Bangalore - Tumkur
Bangalore - Channarayapatna
Bangalore - Ramanagaram
Bangalore - Magadi

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