RBL Bank Lumière Credit Card
4 points/full ₹200, ₹1 per point for eligible Lumière portal rewards. Not cash. ₹59,000 annual fee including GST.
Try your spend →How this estimate works
Lumière is an invitation-only premium card. Current card-specific issuer terms clause 3(a) gives 4 reward points per ₹200 of card spend; this model counts complete ₹200 blocks on one eligible ordinary domestic purchase repeated monthly. Clause 3(c) states ₹1 per point for flight bookings, hotel reservations, experiences, events, gifting, gift cards and merchandise through lumiere.rbl.bank.in. Clause 3(j) explicitly forbids conversion to cash: the displayed amount is restricted portal redemption value after fees, not cash savings or statement credit. Clause 3(e) gives no expiry while the account remains eligible. Earned points are credited within 30 days of settlement; only the primary holder can redeem. The specific terms do not state an ordinary earning ceiling; the model does not invent one, but issuer changes, actual merchant codes and eligible settled transactions control. Fuel, utilities, insurance, education, rent, wallets, cash, EMI and special merchant/payment routes are conservatively left unscored. General RBL Rewards terms and FAQ exempt Lumière from the ₹99+GST redemption fee. Card-specific redemption conditions, available inventory and any minimum required by the selected reward still apply; no universal Lumière portal minimum is verified, and no guaranteed cashout is assumed. Clause 1 and current schedule confirm ₹50,000 annual membership fee plus 18% GST (₹59,000), deducted without assuming relationship-based waivers. The 5X Lumière-portal purchase accelerator, airline/hotel transfers, welcome Taj/Marriott gift, relationship fee waiver, movie, lounge, golf, hotel and other perks are omitted. A ₹1 point valuation is not a ₹1 mile valuation. Confirm invitation eligibility, the final fee quote and the chosen reward before relying on this estimate.
Issuer sources
Named card · Current card-specific earn, ₹1 value, non-cash rule and annual fee · Current fee schedule · Redemption fee exemption · Invitation-only eligibility
Terms checked 30 September 2026. Restricted redemption value, not realised cash savings. Waivers, welcome gifts and travel extras omitted.