Complete review of the RBL Maxima Plus Credit Card. Know its rewards, welcome benefits, milestone bonuses, fees, charges, lounge access, and eligibility. Should you apply for this card in 2025? Detailed analysis inside.
RBL Bank Maxima Plus Credit Card Review: Full Features, Benefits, Charges and Eligibility
If you are planning to apply for a premium rewards credit card from RBL Bank, the RBL Maxima Plus Credit Card is one of the most talked-about options in 2025. In this detailed review, we will break down its features, rewards rate, charges, eligibility, and whether this card is worth applying for.
Welcome Benefits
After the card is issued, you can earn 10,000 reward points as a welcome benefit.
However, you must complete these steps within the first 30 days:
- Set up and activate your card in the RBL MyCard App
- Complete your first transaction
- Pay the joining fee
Once these conditions are fulfilled, the 10,000 reward points will be credited within 60 days.
Reward Points Structure
This card is beneficial mainly if you spend in four major categories. If your spending pattern does not match these, the card is less valuable.
10 Reward Points per ₹100 Spend (Capped at 1000 points per month)
Applicable on:
- Dining
- Internet spending
- Grocery
- International purchases
2 Reward Points per ₹100 Spend
Applicable on all other offline and online categories.
No Reward Points
There are specific categories (as shown by RBL Bank) where no reward points are offered. These include fuel, wallet loads, cash withdrawals and certain utility transactions.
Reward Credit Timeline
Reward points will be credited within 45 days after settlement of the transaction.
Reward Redemption Value
Reward points can be redeemed through the RBL Rewards website for:
- Shopping
- Vouchers
- Recharges
- Statement credit
Redemption value ranges from 10 paise to 50 paise per point, depending on the category.
There is a redemption fee of ₹99 + GST, so redeem only when you have a large number of points.
Milestone Benefits
You can earn up to 30,000 additional reward points per year based on your annual spending.
- Spend ₹2 lakh in a year → 10,000 reward points
- Spend ₹3.5 lakh in a year → Additional 10,000 reward points
- Spend ₹5 lakh in a year → Additional 10,000 reward points
Milestone points will be credited within 45 days after achieving the required spend.
Some categories are excluded from milestone calculations.
BookMyShow Offer
You can book 2 movie tickets and get 1 ticket free (up to ₹200) once every month.
You need to book through BookMyShow to avail this benefit.
Fuel Surcharge Waiver
- 1 percent waiver on fuel transactions
- Valid only for fuel purchases between ₹500 to ₹4000
Below ₹500, a minimum fee of ₹10 + 18% GST applies.
Airport Lounge Access
You get 2 complimentary domestic airport lounge accesses per quarter.
Condition:
You must spend ₹35,000 in the previous quarter to activate lounge access for the next quarter.
Other Features
- Contactless payments supported (up to ₹5000 without PIN)
- EMI conversion available for purchases above ₹3000
- Full card management through the RBL MyCard App
- Add-on cards for family members are lifetime free
Fees and Charges
Joining Fee
₹2,500 + 18% GST
In return, you get 10,000 welcome points.
Annual Renewal Fee
₹2,500 + 18% GST
There is no automatic waiver option based on spending, but you may request customer care for a waiver or compensation based on your usage.
Interest Rate
- 3.99% per month
- 47.88% per annum
Late Payment Fee
Ranges from ₹100 to ₹1300, depending on your outstanding amount.
Forex Markup Fee
3.5 percent on international transactions.
Reward Redemption Fee
₹99 + 18% GST per redemption request.
Eligibility Criteria
Both salaried and self-employed individuals can apply.
Minimum income required:
- ₹25,000 per month OR
- Existing RBL credit cardholders can upgrade to Maxima Plus
Application can be completed online through RBL’s website with video KYC, and the card is delivered within 10 days.
Should You Apply for the RBL Maxima Plus Credit Card?
This card is suitable only if:
- You spend regularly on dining, groceries, online payments, and international shopping
- You can reach higher milestone spends
- You value BookMyShow offers and domestic airport lounge access
However, the high annual fee and no waiver option may not be ideal for everyone.
Reward redemption charges and average point value also reduce overall benefits.
Final Verdict
The RBL Maxima Plus Credit Card offers strong reward points on select categories and good milestone benefits. But if your spending pattern does not align with its high-reward categories, or if you prefer a card with annual fee waiver options, better alternatives might be available.