RBL Bank Platinum Maxima Credit Card
Two points/full ₹100 eligible ordinary spend, ten on eligible dining or grocery, conservatively capped at 1,000 points/month. ₹0.25/point is a portal illustration, not cash.
Try your spend →How this estimate works
RBL Platinum Maxima earns two points per full ₹100 of eligible ordinary retail spend and ten points per full ₹100 on eligible dining and grocery MCCs, up to 1,000 accelerated reward points per billing cycle. The card-specific terms say qualifying categories depend on actual merchant MCC; this finder scores the ten-point rate on the generic restaurant and grocery chips only as eligible-category estimates, with a conservative 1,000-point cap on all modeled monthly points in those categories rather than adding base points on top. Other ordinary eligible purchases get two points/full ₹100. The issuer calculator applies ₹0.25 per point to modeled travel/merchandise benefits, which is an illustrative portal redemption value, not cash. The finder assumes one eligible purchase repeated monthly, values annual points after the RBL Rewards FAQ 500-point voucher threshold, subtracts one annual ₹99+estimated GST redemption fee when worthwhile, and deducts the recurring ₹2,000+estimated GST annual fee in ROI. Fuel/auto, utilities, insurance, quasi-cash, rail, rent/real estate, education, wallets and service providers, government, contracted services, cash, miscellaneous, Bills2Pay and EMI earn zero per issuer terms. The issuer calculator still lists points for utilities even though the current product page and terms exclude them; this model follows the exclusion and scores zero. International and ambiguous merchant-specific routes are not scored. Welcome/milestone points, lounge access and the separate BookMyShow offer are omitted.
Issuer terms
Platinum Maxima earn, cap, exclusions and annual fee · Card-specific category and MCC terms · Issuer point-value calculator · RBL redemption threshold and fee
Terms checked 30 September 2026. Check the merchant MCC and redemption inventory.
Movie discount is a separate route
One free BookMyShow movie ticket on a two-ticket booking, up to ₹100 once monthly. Select the applicable BookMyShow chip in the calculator. This route preserves its own conditions and does not stack retail reward points.
Read movie-route conditions