RBL Bank Platinum ShopGain Credit Card

RBL Bank · ₹1,499 a year · fee waived on ₹1,50,000 of annual spend

A card for paying bills, within a small monthly cap.

Base rate: 0.25% as Reward Point.

What the bank says

• 25 reward points per ₹100 on utility bills, up to 500 points a month
• 1 point per ₹100 on the rest
• 4 domestic lounge visits a year

Where it pays more

• 6.25% on utility bills (25 points per ₹100), up to 500 points a month

Things that catch people out

• The bill rate stops after ₹2,000 of bills a month.
• RBL Bank charges ₹99 plus GST each time you redeem points, which our figure does not deduct.

Joining fee: ₹1,499. Foreign currency markup: not published.

Read from RBL Bank’s own page on 2026-09-16.

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