Why you should get it
Travel & lounge access
- Membership fee: ₹499 before applicable taxes. Waived on eligible annual spends of ₹50,000
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Why get it Why skip it Annual fee₹499 Fee waiver₹50,000 / year Best returnWithheld Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Rows mappedNo access Access ruleNo access Coverage sourceNeeds check
Annual fee₹499
RewardsCashback
RBL • MasterCardEveryday cashback
Platinum ShopDaily Credit Card
Updated 12 Feb 2026StaleHigh confidence2 sources checked
Freshness warning: last verified 232 days ago (12 Feb 2026). Treat fees, rewards, lounge access, and offers as stale until refreshed.
Fees checked; detailed reward rules still need issuer verification before a value estimate.
Imported benefit text needs editorial review.
Before deciding
Use for grocery and repeat household categories where the card has clear promotional alignment
Skip it if
No complimentary lounge access is currently mapped for this card
Latest change: Data correction: fee and waiver metadata corrected from current issuer schedule; this is not a claim of a new fee incre...
For Travel & lounge access. Reward estimate withheld; review model limits. ₹499 fee, waiver at ₹50,000 / year. Skip it for lounge access.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
- Waived on eligible annual spends of ₹50,000
- Reward caps and exclusions apply
- Issuer terms may change
Annual Fee₹499Joining fee ₹499
Spend to Waive Fee₹50,000 / yearWaived on eligible annual spends of ₹50,000
Best Category ReturnWithheldModel limits
Lounge Access ConditionNo accessNo lounge access listed.
Quick notes
How to use the card well, and what to watch before applying.
How to use it well
- Use for grocery and repeat household categories where the card has clear promotional alignment.
- Route high-yield travel and online marketplace spends to specialist cards.
- Track monthly outcomes and cap-based behavior before scaling spend through this product.
Watch before applying
- No complimentary lounge access is currently mapped for this card.
- General base-return curve is modest, so aggressive annual spend concentration can underperform alternatives.
- Rewards performance can vary by merchant mapping and statement category qualification.
Compare or Switch
What to do if this card is close, but not perfect.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
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Value & Fees
Check earning rules before estimating value.
Annual value is withheld. Review the available earning rules and source limitations before choosing a redemption route.
Joining fee ₹499
Waived on eligible annual spends of ₹50,000
Model limits
Value estimate unavailable: fee or benefit evidence needs review. Check listed issuer sources before applying.
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
No airport-level lounge rows are currently listed.
No lounge data listed in latest source snapshot. Please verify with issuer.
Derived from card policy signals
Lounge match needs verification
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.