RBL Bank
RBL Bank Platinum Choice is a straightforward all-round rewards credit card that earns 1 Reward Point per ₹100 on all spends without any category restrictions or caps. At an annual fee of ₹1,200 — reversed on spending ₹1.5 lakhs per year — the card delivers a simple, predictable rewards experience across all spending categories, making it ideal for cardholders who don't want to manage category-specific restrictions. The 1% reward rate on all spends means cardholders earn the same return whether spending on groceries, dining, fuel, shopping, or bills. On ₹1 lakh of monthly spending, the 1% return translates to ₹1,000 per month or ₹12,000 per year in reward points — a 10x return on the ₹1,200 annual fee. Two complimentary domestic airport lounge visits per year through the Visa Lounge Access program provide modest travel benefits, sufficient for the occasional traveller who takes 1-2 flights per year. The 1% fuel surcharge waiver across all fuel stations adds consistent savings for commuters, effectively providing 2% value on fuel spends when combined with the base 1% reward. The Buy 1 Get 1 free movie ticket offer on BookMyShow (once per month, up to ₹200 off per ticket) adds entertainment value throughout the year for couples and families. The card requires a minimum annual income of ₹3 lakhs and is available to individuals aged 21-60 years. The ₹1.5 lakhs annual spending threshold for annual fee reversal is approximately ₹12,500 per month — achievable for most working professionals. Source: RBL Bank official website, updated May 2026.
| Feature | Details |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
The RBL Bank Platinum Choice from RBL Bank is a an annual fee of ₹499 credit card aimed at Indian consumers who want a clear rewards-plus-lifestyle proposition without paying for an invite-only metal card.
Who should consider the RBL Bank Platinum Choice
Pick the RBL Bank Platinum Choice if you are a salaried professional earning ₹8 LPA or more, or a self-employed applicant with a stable ITR history of two years or longer, and you typically spend ₹40,000–₹80,000 a month on retail purchases. The card's reward structure works best when the majority of your monthly swipe volume is concentrated in accelerated categories such as dining, groceries, fuel, or travel booked through the issuer's portal. Frequent flyers who already pay for at least four domestic lounge visits a year will get the most out of the included lounge access, while shoppers who use UPI for most transactions should be aware that most banks still cap reward points on UPI spends at a lower rate.
Who should look elsewhere
If you are an early-career professional with under ₹5 LPA in declared income, prefer a lifetime-free starter card (such as an entry-level RuPay variant) and revisit the RBL Bank Platinum Choice after one full financial year of stable income. Travellers who redeem most of their points for international flights will likely find a dedicated travel card with milestone-based foreign-currency benefits more rewarding. Finally, if you regularly carry a balance from month to month, the RBL Bank Platinum Choice (and credit cards in general) are an expensive borrowing tool at industry-standard 36–42% annualised interest — a small personal loan is almost always cheaper for sustained debt.
How we picked it for our shortlist
Our editorial team only considers cards whose issuers are RBI-licensed and publish their schedule of charges in the public domain. We score the RBL Bank Platinum Choice on five axes — annual fee versus benefits, reward rate, lounge and travel benefits, customer service responsiveness, and digital experience (mobile app, controls, instant card freeze). When the issuer changes pricing, we re-test the card and update this page within seven working days. The full methodology lives in our editorial policy.
Bottom line
The RBL Bank Platinum Choice is a sensible mid-tier rewards card for someone who pays their statement in full every month and uses the welcome benefit, lounge access, and accelerated rewards with intention. If your spending profile does not match the card's reward map, a more focused card will always deliver better net value.
| Feature | RBL Bank Platinum ChoiceRBL Bank | American Express Membership RewardsAmerican Express | Axis Bank AtlasAxis Bank | HDFC Bank Diners Club BlackHDFC Bank |
|---|---|---|---|---|
| Issuer | RBL Bank | American Express | Axis Bank | HDFC Bank |
| Joining Fee | ₹499 | ₹2,500 | ₹2,500 | ₹2,500 |
| Annual Fee | ₹499 | ₹4,500 | ₹5,000 | ₹10,000 |
| Interest Rate | — | — | — | — |
| Reward Rate | [object Object]% | [object Object]% | [object Object]% | [object Object]% |
| Lounge Access | Yes | Yes | Yes | Yes |
| Rating | — | — | — | — |
Have these ready before you start the online application. Most issuers verify digitally through CKYC and video-KYC, so physical copies are rarely needed.
Review the eligibility criteria above and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.
If you spend ₹50,000/month on this card, EMI for ₹60,000 over 12 months ≈ ₹6,027.73/month at 36% p.a.
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