RBL Bank Platinum Choice

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.