RBL Lumière
KeepThe ₹50,000 metal card where RBL's points finally transfer 1:1 — for the ₹2-crore client only.
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
Welcome: ₹30,000 Taj Experiences or Marriott gift vouchers + a year of Club Marriott or ITC Culinaire membership
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 — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card 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 ₹2,30,000 a month
At ₹2,30,000 a month — ₹27,60,000 a year — on the everyday mix this card returns ₹51,900 gross (earn ₹51,900) against its ₹50,000 fee = ₹1,900 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 · the network variants
Denied or downgraded? The head-to-heads: RBL Nova.
Best real exit: Singapore Airlines KrisFlyer at ₹1.10/pt (1:1 transfer, above house value).
The take
Lumière is the ₹50,000, 18-gram, by-invitation Visa Infinite at the very top of RBL's new luxury line. Where Nova's points crawl out 2:1, Lumière's leave 1:1 — one Reward Point to one mile into Air India Maharaja Club, Singapore KrisFlyer, AirAsia, Qatar Avios and Club ITC — which, against a flat ₹1 redemption, is the first time these points genuinely beat their own catalogue on premium-cabin awards. Add a flat 2% everywhere, 10% back through the Lumière portal, zero forex markup, ₹30,000 of Taj or Marriott vouchers plus a year of Club Marriott or ITC Culinaire, and unlimited domestic and international lounge access for you and your guests. The fee waives only at a ₹2-crore relationship with RBL, so this is a private-banking card, not a spender's card. But for the client it's built for, the 1:1 transfers and unlimited access make it one of the more serious super-premium metal cards an Indian bank has put out.
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
₹50,000/yr at stake · 5 spend bands
The charge ₹50,000/yr
Break-even ₹2,30,000 a month — ₹27,60,000 a year — is where this card's value crosses its fee.
At your spend
−₹44,400 a year, net of the fee, at ₹3,00,000 of annual spend
−₹38,700 a year, net of the fee, at ₹6,00,000 of annual spend
−₹27,400 a year, net of the fee, at ₹12,00,000 of annual spend
₹17,700 a year, net of the fee, at ₹36,00,000 of annual spend
₹62,800 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
- 25 Aug 2026 Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus 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
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
- 1:1 point-to-mile transfers to Air India Maharaja, KrisFlyer, AirAsia, Qatar Avios + Club ITC
- Zero forex markup on all international spends
- Unlimited domestic + international lounge access for primary and guests (10 intl guest visits/yr)
- ₹30,000 Taj/Marriott welcome vouchers + a year of Club Marriott or ITC Culinaire
- 10% back via the Lumière portal; flat 2% everywhere else
Watch out
- ₹50,000 fee waives only at a ₹2-crore Total Relationship Value — there is no spend waiver
- By-invitation only — you can't simply apply
- Base earn is still a flat 2% — the firepower is the 1:1 transfers, not everyday points
- Points redeem at a flat ₹1; the 1:1 transfers only pull ahead on premium-cabin awards
What these points actually fly
You hold this — the numbers below are your own points.
These points feed 21 programmes that publish an award chart. Cheapest verified seat per cabin, priced in YOUR points with this card's own ratio already applied:
- Bengaluru → Colombo Economy 6,500 RBL Reward Points (Nova/Lumière) via Avios (BA / Qatar / Finnair) at 1:1 the play
- Chennai → Colombo Business 14,000 RBL Reward Points (Nova/Lumière) via Avios (BA / Qatar / Finnair) at 1:1 the play
- Mumbai → Delhi First 40,000 RBL Reward Points (Nova/Lumière) via Air Canada Aeroplan at 1.6:1 (through Club ITC → Marriott Bonvoy) the play
What earns, what doesn't
4 sourced rules · 4 pay zero
Lumière earns 4 RP/₹200 base and 20 RP/₹200 (5X, 10% at ₹1) on lumiere.rbl.bank.in. RBL doesn't publish Lumière's MCC exclusion table; the rows below follow RBL's standard exclusions (fuel/rent/government/wallet) — verify. Visa Infinite metal.
- Fuel · excluded No RP; 1% fuel surcharge waiver — RBL standard, community, flag
- Rent & property management · excluded Rent (MCC 6513) excluded — RBL standard, community, flag
- Wallet loads · excluded Wallet loads excluded — RBL standard, community, flag
- Government / tax · excluded Government/tax excluded — RBL standard, community, flag
per RBL Bank T&C (community-sourced) · rank every card by spend category →
Where the miles go
5 programs
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every RBL Bank route, side by side → · the RBL Reward Points (Nova/Lumière) hub →
Lounge access
680 of 793 tracked doors
Opens 680 of 793 tracked lounge doors across 271 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.
Invite-only — there is no public application form. The bank calls you.
By-invitation only — RBL extends Lumière to its top private-banking relationships; it launched on 17 November 2025. The ₹50,000 fee is waived (lifetime) at a Total Relationship Value of ₹2 crore or more with RBL Bank. There is no spend-based waiver, and RBL publishes no separate income or age cutoff.
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
4 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Visa Infinite 18g metal, by-invitation only, launched 17 Nov 2025. Fee ₹50,000 + GST, waived (lifetime) at ₹2 Crore Total Relationship Value — no spend waiver. Zero forex markup. Base 4 RP/₹200; 20 RP/₹200 (5X) on lumiere.rbl.bank.in. 1:1 point-to-mile transfers to Air India Maharaja / KrisFlyer / AirAsia / Qatar Avios + Club ITC. Unlimited domestic + international lounges (10 intl guest visits/yr). Full MITC/KFS not separately machine-read; verify APR/late-fee against the bank-wide MITC. RBL publishes no income/age criteria.
per the official RBL Bank MITC · reviewed 10 Jul 2026
What's changed for this card
8 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.
- 25 Aug 2026Vietnam Airlines Lotusmiles opens a broad SkyTeam status match — up to Elite Plus
- 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
- 20 Aug 2026IHG Hotels & Resorts becomes a Maharaja Club earning and conversion partner
- 18 Aug 2026Amex India re-rates Virgin Atlantic upward — 2:1 becomes 5:4, the first MR buff in years
- 6 Aug 2026MaxCoins' full transfer catalogue surfaces — Accor at 2:1 re-prices the coin to ₹1.08
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme
Verified against RBL Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 6 of them, each with the day we read it
- official RBL Bank launch press release (17 Nov 2025) — Visa Infinite 18g metal, by-invitation, ₹50,000 fee
- official Official product page — ₹50,000 + GST fee, first three add-on cards complimentary, Select Circle concierge (page is now a thin marketing splash; earn/transfer detail lives)
- official RBL MITC — §A(i) "Lumière™ · INR 50,000 · INR 50,000" with NO spend-waiver clause (the ₹2 Cr TRV waiver is relationship-side); 0% forex/DCC markup; 3.4%/mo APR
- community CardInsider — 1 RP = ₹1, 1:1 to Air India/Qatar/Singapore/AirAsia + Club ITC, ₹30,000 welcome + Club Marriott/ITC Culinaire, unlimited lounges (10 intl guest visits/yr)
- official Air India Maharaja Club — RBL Reward Points transfer partner page
- official Club ITC × RBL partner page — "Lumière Credit Card – 1:1" into Green Points, no minimum transfer, credited within 7 working days