Monepoint

RBL Bank

Platinum Shopgain Credit Card

The highest-fee card in the Platinum Plus/Bonus family, adding a strong utility-bill earn rate but sharing the same discontinued-lounge contradiction.

Joining fee
₹0
Annual fee
₹1,499
Status
Open
Verified
2 September 2026
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Platinum Shopgain Credit Card

Fees

Joining fee
₹0
Annual fee
₹1,499
Fee waiver
Waived above ₹1,50,000 annual spend
Forex markup
3.5%
APR
47.88% p.a.
Monthly finance charge
3.99%

Rewards

reward points

  • everything-else: 1 points / ₹100
  • utilities: 25 points / ₹100Utility bill payments; capped at 500 points/month.

Milestone rewards

  • ₹2,00,000 spend: voucher
  • ₹3,00,000 spend: 10,000 points
  • ₹4,00,000 spend: additional 10,000 points

Welcome benefit: 6,000 points on annual fee payment plus ₹2,000 spend within 30 days of issuance (not given on First Year Free cards).

Important Exclusions

  • education, insurance, rent: Effective 15 October 2024: fuel & auto, quasi-cash, railways, real estate, service providers, government services, contracted services, Bills2Pay, EMI, miscellaneous, and cash earn no points; education, rent, and wallet load are also excluded from the base rate.

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 1,50,000 in a year.

Source & Verification

Verified from official issuer sources. Last verified 2 September 2026

View issuer page ↗

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TravelNOVA™ Credit Card

NOVA™ Credit Card

RBL Bank

A super-premium travel card with an issuer-confirmed ₹1-per-point value and generous lounge access, aimed at cardholders who can clear the ₹10 lakh annual-spend fee waiver.

Joining
₹0
Annual
₹12,500
Base reward
6% travel flights
Forex
2%
Lounge
12/yr international lounge
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