RBL Corporate T&E Platinum
Keep2% forex, a Priority Pass and ₹1 crore of air cover, for ₹1,999 a year on the company's account.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — and a business card's accelerator is usually the point. This card is not on the board, which ranks personal cards only; it is ranked against other business cards on /best/business, where the tax, GST and vendor-payment rungs ARE credited and its ₹ reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹54,000 a month
At ₹54,000 a month — ₹6,48,000 a year — on the everyday mix this card returns ₹2,000 gross (earn ₹2,000) against its ₹1,999 fee = ₹0 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · why it ranks #484
Why #484 The best forex rate any RBL card charges outside its ₹7,000-and-up personal shelf, on a card a company buys for ₹1,999. 2% on foreign spend, three domestic and one international lounge visit a quarter, a Priority Pass membership and ₹1 crore of air-accident cover — against an earn rung of a third of a percent that is capped at 10,000 points a statement cycle. It is priced as a travel card and it earns like a corporate one.
Commercial Reward Points are ordinary RBL Reward Points, redeemed at rblrewards.rbl.bank.in and valued by this desk at ₹0.25. Two clauses in RBL's commercial MITC matter more than the rate: points "are valid only for 2 years from the date of accumulation", and a redemption handling fee of ₹99 plus GST is charged on every redemption request — which is 396 points a time, so a corporate that redeems monthly gives back most of a small balance.
The take
RBL's commercial shelf is five cards that cost nothing and one that costs ₹1,999, and this is the one — the only RBL commercial card with a fee, and the reason is the travel stack. Foreign spend is marked up 2%, which beats every RBL personal card except Insignia, iGlobe and World Xclusive at 1.5% and the World Safari trio at zero, and comfortably beats the 3% the rest of the commercial shelf charges. Lounge access is three domestic and one international visit a quarter, with a complimentary Priority Pass membership behind the international half. The insurance is genuinely corporate-grade: ₹1 crore of air-accident cover, ₹20 lakh of lost-card and fraud liability, ₹75,000 for lost baggage and documents, plus flight-delay and passport-loss cover. And because this is a commercial card, RBL charges no finance charges at all — the minimum amount due equals the total amount due, so the card cannot revolve, which is the point of a corporate-liability product. Where it disappoints is the earn. 2 Reward Points per ₹150 domestic and 3 per ₹150 abroad is a third to half a percent at RBL's own point value, and the whole thing stops at 10,000 points a statement cycle — ₹7.5 lakh of spend, which a travelling sales team clears in a quarter. Buy it for the markup and the door, not for the points.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹1,999/yr at stake · 5 spend bands
The charge ₹1,999/yr
Break-even ₹54,000 a month — ₹6,48,000 a year — is where this card's value crosses its fee.
At your spend
−₹1,100 a year, net of the fee, at ₹3,00,000 of annual spend
−₹100 a year, net of the fee, at ₹6,00,000 of annual spend
₹1,800 a year, net of the fee, at ₹12,00,000 of annual spend
₹9,300 a year, net of the fee, at ₹36,00,000 of annual spend
₹16,800 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
RBL Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 21 Aug 2026 Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands a program these points reach
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 2% foreign markup — the lowest on RBL's commercial shelf, where every other card charges 3% or 2.5%
- 3 domestic and 1 international lounge visit every quarter, with a complimentary Priority Pass membership
- ₹1 crore air-accident cover, ₹20 lakh lost-card and fraud liability, ₹75,000 lost baggage and documents
- Flight-delay cover ₹15,000, baggage delay ₹7,500, passport loss ₹12,500, baggage damage ₹2,500
- Up to 50 days interest-free credit, and no finance charges at all — commercial cards cannot revolve
- Fuel-surcharge waiver of 1%, capped at ₹500 a billing cycle
- Flexi Limit lets a company issue more cards without cutting the limits on the ones already out
Watch out
- Corporate liability: the company applies, the company pays, and RBL says the limit does not touch the cardholder's own bureau score — but full individual KYC is still required
- The minimum amount due EQUALS the total amount due, so there is no revolving and a late payment costs 2% of the outstanding, minimum ₹300
- Earn stops at 10,000 Reward Points per statement cycle — about ₹7.5 lakh of spend a month
- Points expire two years from accrual, and every redemption request carries a ₹99 + GST handling fee
- The Priority Pass membership is complimentary; the free visits are not unlimited — one international lounge visit a quarter is the quota, and RBL publishes no rate for visits beyond it
- This is the only RBL commercial card with a cash-advance facility, and it is expensive: 2.5% of the withdrawal, minimum ₹500, capped at 20% of the limit or ₹20,000
- RBL does not name the operator behind the three domestic lounge visits, so the domestic doors are not mapped here
What these points actually fly
RBL Reward Points move to Club ITC — and that programme prices every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
3 sourced rules · 2 pay zero
Same posture as T&E Gold: RBL's Commercial Cards MITC names one excluded spend category — petrol pumps and service stations — and no MCC table. Every other category on this card is "not published", which is the honest answer rather than a guess. Points expire 24 months after the month they are earned.
- Fuel · excluded Zero points — "Any purchases made at petrol pumps/service stations, unless specifically communicated to the Cardmember otherwise" is on the Commercial Cards MITC's not-eligible list. The 1% fuel surcharge waiver, capped at ₹500 a billing cycle on ₹400–₹5,000 transactions, is what fuel is worth here
- Forex / international spends · accelerated 3 Reward Points per ₹150 internationally against 2 per ₹150 domestically — 2 RP/₹100 versus 1.33 — behind a 2% markup, the lowest RBL charges on any card under ₹7,000. The whole card stops earning once a statement cycle passes 10,000 points
- EMI conversions / merchant EMI · excluded The Commercial Cards MITC excludes balance transfers, finance charges and disputed transactions from accrual; RBL's consumer MITC strips base points from every EMI conversion bank-wide. No commercial-specific EMI wording is published — flag
Lounge access
646 of 793 tracked doors
Opens 646 of 793 tracked lounge doors across 251 airports , via Priority Pass Global — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
A company applies, not an individual. RBL's own FAQ describes the flow: the corporate applies for the facility, RBL's credit team assesses it and communicates a sanctioned limit "within 15 working days", and the corporate then requests individual cards for its employees. Full individual KYC is required per RBI rules even though the liability is corporate. RBL also offers the commercial cards against a fixed deposit, which does not disturb the FD's interest; the deposit cannot be closed midway, though partial withdrawal is allowed. The facility runs for one year and is renewed annually at the bank's discretion.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official RBL Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
5 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
₹1,999 + GST a year, the only priced card on a six-card commercial shelf where every other annual fee reads NIL; joining fee NIL. Corporate liability, so the mechanics are not a personal card's: the minimum amount due EQUALS the total amount due, there are no finance charges at all, and the interest-free window is 30+20 days. Late payment is 2% of the outstanding with a ₹300 floor. Earn is 2 Reward Points per ₹150 domestic and 3 per ₹150 international, capped at 10,000 points per statement cycle — about ₹7.5 lakh of spend — with points valid two years from accrual and a ₹99 + GST handling fee on each redemption request through rblrewards.rbl.bank.in. Travel benefits: 3 domestic and 1 international lounge visit every quarter, the international half on a complimentary Priority Pass membership RBL says reaches 1,400+ lounges; ₹1 crore air-accident cover, ₹20 lakh lost-card and fraud liability, ₹75,000 lost baggage and personal documents, ₹15,000 flight delay, ₹12,500 loss of passport, ₹7,500 baggage delay, ₹2,500 baggage damage. Fuel-surcharge waiver 1%, capped ₹500 a billing cycle. Charge-slip retrieval ₹100; duplicate statement NIL. The facility runs one year and renews at the bank's discretion.
per the official RBL Bank MITC · reviewed 10 Jul 2026
What's changed for this card
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trio
- 21 Aug 2026Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands
- 7 Jan 2026RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet
- 1 Jul 2025RBL gates domestic lounges behind ₹35k a quarter
- 15 Oct 2024RBL strips points from education, government and wallet spends
Verified against RBL Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 2 of them, each with the day we read it
- official Product page — the 2% markup, 3 domestic plus 1 international lounge visit a quarter with a Priority Pass membership, the earn table and its 10,000-point cycle cap, and the insurance schedule
- official Commercial-card MITC — "For RBL Bank Corporate T&E Platinum Card: INR 1,999 + GST", the 2.00% markup, the cash-advance terms and the two-year point expiry