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RBL Platinum Maxima
RBL • MasterCard

RBL Platinum Maxima

5X Rewards on Dining & Fuel

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹2000Waived on ₹1.5L spend
Base Reward0.5%On all spends
Lounge Access3122 domestic • 9 intl
Est. Annual Savings₹1,440Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on ₹1.5L spend

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹1,50,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Dining
2.5%
Fuel
2.5%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • RBL Platinum Maxima is best positioned as a dining + lifestyle specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.5% on dining-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 31, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to dining and lifestyle spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 2,000 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹2,000
  • Annual fee₹2,000
  • Waiver threshold₹1,50,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count22
  • International count9
  • Quarterly limitNot listed
  • Airport-terminal rows31
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports22
  • Approval reports14

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

RBL NOVA Credit Card

Annual fee: Free

Shared focus: Dining+11 more lounge visits in current datasetNo higher annual fee vs current card
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for RBL Platinum Maxima using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Confirm card-level quarterly caps, spend criteria, and guest policy in latest RBL terms.

Quarter / cycle rule

Confirm card-level quarterly caps, spend criteria, and guest policy in latest RBL terms.

Guest access

Confirm card-level quarterly caps, spend criteria, and guest policy in latest RBL terms.

Priority Pass

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

31 airport lounge rows
View lounge map and location list31 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic Terminal

Bengaluru

3 lounges • 2 domestic • 1 international

3
080Domestic

BEN • Bengaluru Airport • Domestic Terminal

TFS - BLR LoungeDomestic

BEN • Bengaluru Airport • Terminal T1

TFS - BLR LoungeInternational

BEN • Bengaluru Airport • Terminal T1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic Terminal

Calicut

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CAL • Calicut Airport • International Terminal

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

Chennai

2 lounges • 1 domestic • 1 international

2
TFS - Travel Club LoungeInternational

CHE • Chennai Airport • International Terminal

TFS - Travel Club Lounge (A & B)Domestic

CHE • Chennai Airport • Domestic Terminal

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Domestic Terminal

Delhi

4 lounges • 3 domestic • 1 international

4
Encalm LoungeDomestic

DEL • Delhi Airport • Terminal T1D

Encalm LoungeDomestic

DEL • Delhi Airport • Terminal T2

Encalm LoungeDomestic

DEL • Delhi Airport • Terminal T3

Encalm LoungeInternational

DEL • Delhi Airport • Terminal T3

Goa

2 lounges • 2 domestic • 0 international

2
Encalm LoungeDomestic

GOA • Goa Airport • Terminal T1

TFS - Good Times LoungeDomestic

GOA • Goa Airport • Domestic Terminal

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic Terminal

Encalm LoungeInternational

HYD • Hyderabad Airport • International Terminal

Jaipur

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

JAI • Jaipur Airport • Domestic Terminal

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Domestic Terminal

Earth LoungeInternational

KOC • Kochi Airport • International Terminal

Kolkata

2 lounges • 1 domestic • 1 international

2
TFS - Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Terminal

TFS - Travel Club LoungeInternational

KOL • Kolkata Airport • International Terminal

Mumbai

2 lounges • 2 domestic • 0 international

2
OASIS LoungeDomestic

MUM • Mumbai Airport • Terminal T1B

TFS - Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal T1C

Nagpur

1 lounges • 1 domestic • 0 international

1
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Domestic Terminal

Patna

1 lounges • 1 domestic • 0 international

1
Zesto Executive LoungeDomestic

PAT • Patna Airport • Domestic Terminal

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
The LoungeInternational

THI • Thiruvananthapuram Airport • International Terminal

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium loungeDomestic

VAD • Vadodara Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • 5X Rewards on Dining, Fuel, Entertainment
  • Free Movie Tickets

Things to Consider

  • Points value low (₹0.25)
  • Fee is high for benefits

About RBL Platinum Maxima

RBL Platinum Maxima is a points card from RBL, best for entertainment & dining. It is tagged under dining, lifestyle categories in our database.

DiningLifestyle

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Frequently asked questions

Is RBL Platinum Maxima lifetime free?

It has an annual fee of ₹2000. Waived on ₹1.5L spend

What rewards does RBL Platinum Maxima offer?

5X Rewards on Dining & Fuel

Does RBL Platinum Maxima include lounge access?

RBL Platinum Maxima lists 31 lounge visits (22 domestic, 9 international).

Who should consider RBL Platinum Maxima?

Entertainment & Dining

Where can I apply for RBL Platinum Maxima?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.