RBL World Max
KeepSame ₹2,999 as World Prime, two fewer lounges — and a monthly ladder that pays double if you actually spend.
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: 12,000 Reward Points on paying the fee and spending ₹2,000 within 30 days of issuance — nothing at all on a first-year-free card
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 utilities and 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 ₹30,000 a month
At ₹30,000 a month — ₹3,60,000 a year — on the everyday mix this card returns ₹6,000 gross (earn ₹1,500 + bonuses ₹4,500) against its ₹2,999 fee = ₹3,000 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.
3 notes on the card itself: how it is issued · the network variants · why it ranks #604
Why #604 Ranked just under World Prime, which costs exactly the same ₹2,999 and hands you two more lounge visits a year and a second monthly movie ticket. That is the call for most readers. It is not the call for a heavy swiper, and the board should say so: World Max pays 1,500 Reward Points at ₹25,000 of spend in a MONTH and 1,000 more at ₹40,000 and again at ₹50,000, so a reader who puts ₹50,000 a month through it collects 42,000 points a year against Prime's 20,000 annual-milestone ceiling. Two lounge visits are not worth ₹5,500 of points. If you spend ₹6 lakh a year on one card, this is the better of the pair and the ranking is wrong for you.
The take
World Max and World Prime cost the identical ₹2,999, and RBL never explains the difference, so here it is. Max gives six domestic lounge visits a year instead of eight, one BookMyShow ticket a month instead of two, and restricts its 20-point dining rate to weekends with a 1,000-point monthly cap — ₹5,000 of Saturday dinners and then nothing. In exchange it swaps Prime's annual milestones for a monthly ladder, and that is where the card actually lives: 1,500 Reward Points every month you spend ₹25,000, another 1,000 at ₹40,000 and another 1,000 at ₹50,000. Put ₹50,000 a month on it and you collect 42,000 points a year — ₹10,500 — where Prime's annual ladder tops out at 20,000. Base earn is the same flat 0.5%, the online 2X is the same 1% capped at 1,000 points a month, and forex is the same 3.5%. So: Prime if you fly more than you swipe, Max if you swipe more than you fly. Anyone doing neither should be looking at a different bank.
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
₹2,999/yr at stake · 5 spend bands
The charge ₹2,999/yr
Break-even ₹30,000 a month — ₹3,60,000 a year — is where this card's value crosses its fee.
At your spend
−₹1,700 a year, net of the fee, at ₹3,00,000 of annual spend
₹4,000 a year, net of the fee, at ₹6,00,000 of annual spend
₹6,500 a year, net of the fee, at ₹12,00,000 of annual spend
₹16,600 a year, net of the fee, at ₹36,00,000 of annual spend
₹26,700 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
- 1,500 Reward Points every month you spend ₹25,000, plus 1,000 more at ₹40,000 and again at ₹50,000
- 42,000 points a year at ₹50,000 of monthly spend — more than double World Prime's annual ladder
- 6 domestic lounge visits a year, 2 a quarter, on ₹35,000 of previous-quarter spend
- 20 Reward Points per ₹100 on WEEKEND dining — 5%, to 1,000 points a month
- 12,000-point welcome, worth ₹3,000, on ₹2,000 of spend in 30 days
Watch out
- Two fewer lounge visits a year than World Prime at exactly the same ₹2,999 fee
- The 20-point dining rate is WEEKENDS only and caps at 1,000 points a month — ₹5,000 of dining
- The online 2X caps at 1,000 points a month too, so both accelerators together stop at ₹30,000 of spend
- Base earn is 0.5%, and the monthly milestones reset — a month you miss ₹25,000 pays nothing
- Lounge access is gated on ₹35,000 of spend in the PREVIOUS calendar quarter, excluding rent
- 3.5% forex markup, and 1 point = ₹0.05 on any redemption that is not a flight or a hotel
- RBL charges 1% on FIVE transaction types its Schedule of Charges lists separately from the reward exclusions: rent (MCC 6513, on every transaction), fuel and auto above ₹10,000 a transaction (capped at ₹3,000), utility spends above ₹50,000 a month, education paid through third-party apps such as CRED, PhonePe or Paytm (school and college websites are exempt), and — with effect from 7 January 2026 — FASTag loading and tolls above ₹10,000 a transaction. These are FEES, listed nowhere near the reward exclusions: a category can both cost you 1% and earn you nothing
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
14 sourced rules · 8 pay zero
World Max earns 2 Reward Points per ₹100, doubled online to a 1,000-point monthly cap, plus 20 per ₹100 on WEEKEND dining capped at 1,000 points a month; a ₹25,000 monthly spend pays 1,500 points and ₹40,000 and ₹50,000 pay 1,000 more each. No dedicated product T&C PDF exists for this card; the exclusions below are the product page's own two footnotes — a standing one (Education, Insurance, Utilities, Rent Payments, Wallet Load) and a dated one effective 15 October 2024 adding Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2Pay, EMI, Miscellaneous and Cash.
- Fuel · excluded No points — "Fuel & Auto" (MCC 0032, 2541, 4001, 5542, 5541, 5172) sits on the product page's two stacked exclusion footnotes; the 1% fuel surcharge waiver is the only fuel benefit
- Rent & property management · excluded No points — "Real Estate/Rental" (MCC 6513) on the product page's two stacked exclusion footnotes. RBL also levies a 1% fee on every rental transaction, bank-wide
- Wallet loads · excluded No points — "Wallet/Service Providers" (MCC 6540) on the product page's two stacked exclusion footnotes
- Utilities (electricity/water/gas) · excluded No points — "Utilities" (MCC 4900) on the product page's two stacked exclusion footnotes. RBL also levies a 1% fee on utility spend past ₹50,000 a month, bank-wide
Lounge access
40 of 793 tracked doors
Gate: ₹35k spend in the preceding calendar quarter (rent excluded)
Opens 40 of 793 tracked lounge doors across 23 airports — 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.
Not confirmed on sale — the issuer still documents this card but we could not confirm it is open to new applications. Treat any application path with care.
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
7 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Fee ₹2,999 + GST both years, no spend waiver — identical to World Prime for 6 lounge visits a year instead of 8 and one BookMyShow ticket a month instead of two. The compensation is a MONTHLY milestone ladder: 1,500 Reward Points at ₹25,000 of spend in a month, 1,000 more at ₹40,000 and 1,000 again at ₹50,000, which pays 42,000 points a year to a ₹50,000-a-month holder against Primes 20,000 annual ceiling. Base earn 2 points per ₹100 (0.5%), online 2X capped at 1,000 points a month, weekend-only dining at 20 per ₹100 capped at 1,000 points a month. Lounge gated on ₹35,000 of previous-quarter spend excluding rent. Fuel surcharge waiver up to ₹150 a month. RBL publishes no income or age criteria for this card.
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 — 4 of them, each with the day we read it
- official Product page — 6 domestic lounge visits a year, the ₹25,000/₹40,000/₹50,000 MONTHLY milestone ladder, weekend-only 20-point dining capped at 1,000 points a month, and the 12,000-point welcome
- official Schedule of Charges — "World Max: INR 2,999 (1st Year) / INR 2,999 (2nd Year onwards)", the same figure as World Prime, with no spend waiver
- official Bank-wide MITC — up to 3.5% forex markup (the 0% carve-out names only the Safari family and Lumière) and bureau-tiered finance charges
- official RBL's Mastercard/Visa India lounge programme list — the domestic doors this card's 6 visits open