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RBL Bank

Platinum Choice Credit Card

A ₹499 entry points card with an accelerated online rate and a genuinely disclosed ₹0.11–0.25 point value.

Joining fee
₹0
Annual fee
₹499
Status
Open
Verified
2 September 2026

Fees

Joining fee
₹0
Annual fee
₹499
Fee waiver
Waived above ₹50,000 annual spend
Forex markup
3.5%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

reward points

  • everything-else: 1 points / ₹100
  • other-online: 2 points / ₹100Online spends (2X); capped at 1,000 points/month.

Welcome benefit: 2,000 points on annual fee payment plus ₹2,000 spend within 30 days. 10% BookMyShow discount up to ₹100/month.

Eligibility

Not published by the issuer.

No specific eligibility criteria published by the issuer.

Why this card may suit you

  • The annual fee is waived once you spend 50,000 in a year.

Source & Verification

Verified from official issuer sources. Last verified 2 September 2026

View issuer page ↗

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An entry-level card whose real value is the lounge and cinema benefits, not the rewards. The reward points earn into a goods catalogue with no published rupee value, so treat the rate as unknown rather than as cashback.

Joining
₹500
Annual
₹500
Base reward
0.8% everything else
Forex
3.5%
Lounge
1/qtr domestic lounge