- Joining fee
₹50,000 + GST
- Annual fee
₹50,000 + GST
- Best suited for
Travel, Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
4 Reward Points per ₹200 Spent on the Card. 5X Reward Points (20 Reward Points per ₹200 Spent) on Purchases via lumiere.rbl.bank.in
- Welcome benefits
Taj Experiences or Marriott E-Gift Card Worth ₹30,000
- Reward redemption
1 Reward Point = ₹1, Redeemable on Flights, Hotels, Miles Transfer, Experiences, Events, Gift Cards, Merchandise, and More
Benefits
- Movie & dining
25% Discount Up to ₹5,000 at Select Fine-Dine Restaurants via District/Zomato App
- Travel
8 Complimentary Airport Meet-and-Greet Services per Calendar Year
- Domestic lounge
Unlimited Complimentary Domestic Lounge Access for Primary Cardholder and Accompanied Guests in a Calendar Year
- International lounge
Unlimited Complimentary International Lounge Access for Primary Cardholder and 10 Complimentary Visits for Accompanied Guests per Calendar Year
- Golf
Unlimited Complimentary Golf Rounds and 12 Golf Lessons per Year at Premier Golf Courses Across India for Primary Cardholders
Fees & charges
- Spend-based waiver
Annual Charges Waived on Maintaining a TRV of ₹2 Crore+
- Rewards redemption fee
Nil
- Foreign currency markup
Zero
- Interest rates
3.4% Per Month or 40.8% Per Annum
- Fuel surcharge waiver
1% Fuel Surcharge Waiver on Fuel Transactions Between ₹500 and ₹10,000
- Cash advance charges
2.5% Cash Withdrawal Charges (Minimum ₹500 per Transaction)
Product highlights
- ₹30,000 Taj Experiences or Marriott e-gift voucher as welcome benefit
- Unlimited domestic and international airport lounge access
- Zero forex markup on international transactions
- Up to 5X Reward Points on spending
- Unlimited golf rounds and 12 golf lessons every year
- Annual fee waiver on maintaining a TRV of ₹2 Crore+
Pros & cons
Pros
- Those maintaining a high Total Relationship Value (TRV) with RBL Bank can enjoy the card’s premium benefits without paying the annual fee.
- The Green Legacy Initiative is a thoughtful addition and promotes environmental sustainability through card spends.
Cons
- The regular reward rate could have been better, considering the high annual fee of the card.
- The list of airline and hotel transfer partners is currently quite limited.
FAQs
What is the annual fee for the RBL Lumière Credit Card?
The RBL Lumière Credit Card comes with a joining and annual fee of ₹50,000 + GST.
Does the RBL Lumière Credit Card offer unlimited lounge access?
Yes, the card offers unlimited domestic and international airport lounge access for the primary cardholder. Guests also get complimentary lounge visits.
What are the welcome benefits offered on the card?
Cardholders can choose between Taj Experiences or Marriott e-gift vouchers worth ₹30,000 as welcome benefits.
How can the annual fee be waived on the RBL Lumière Credit Card?
The annual fee of the RBL Lumière Credit Card can be waived if the cardholder maintains a Total Relationship Value (TRV) of ₹2 Crore or more with RBL Bank. The TRV includes the combined value of savings accounts, current accounts, fixed deposits, recurring deposits, and investments linked under a single customer ID with the bank.
Does the RBL Lumière Credit Card charge forex markup fees?
No, the card comes with zero forex markup charges on international transactions.
Can Reward Points be transferred to airline and hotel partners?
Yes, Reward Points can be transferred to participating airline and hotel loyalty programs at a 1:1 conversion ratio. Current airline and hotel partners include Air India, Qatar Airways, Singapore Airlines, AirAsia, and Club ITC.
How can cardholders avail the dining benefits on the RBL Lumière Credit Card?
RBL Lumière Credit Cardholders can enjoy a 25% discount of up to ₹5,000 at select fine-dine restaurants available on the District/Zomato app. To avail the benefit, cardholders need to make a reservation through the app at participating restaurants and complete the payment using their RBL Lumière Credit Card. The offer is valid only at select partner restaurants, and reservations remain subject to availability at the restaurant.