| Top reward rate | 25 Reward Points per ₹100 on Utility Bill |
|---|---|
| Base rewards | 1 Reward Points per ₹100 |
From issuer benefit data, checked 24 Oct 2026. Top reward rate is the card's best partner or category rate; base rewards is the general earn rate. Caps and exclusions are under Key Benefits.
Key Benefits
Live offers on this card
110 online offers across 77 brands right now, each valid for at least another 7 days. Checked 23 Oct.
- Yatra: Upto Rs.7500 off · till 30 Nov
- Croma: Rs.3000 Discount · till 31 Oct
- Paytm: Flat Rs.750 off · till 31 Dec
- Zepto: Flat Rs.100 off · till 31 Oct
- MakeMyTrip: Upto 35% Instant Discount · till 31 Oct
These are RBL Bank's own offers and Mastercard network offers, so they apply to every RBL Bank Mastercard card, not just this one. All RBL Bank offers by category.
More about the Rbl Bank Platinum Shopgain Credit Card
Is the Rbl Bank Platinum Shopgain Credit Card worth it in 2026?
The Rbl Bank Platinum Shopgain Credit Card offers 1 Reward Point per Rs.100 spent, with enhanced rewards of 25 Reward Points per Rs.100 on utility bill payments. Additionally, you can earn 10,000 Reward Points after spending Rs.3 Lakhs and another 10,000 points after Rs.4 Lakhs. These features make it a valuable card for consistent spenders in 2026.
Who should get the Rbl Bank Platinum Shopgain Credit Card?
This card is ideal for users who regularly pay utility bills and have a monthly spend that can reach Rs.3-4 Lakhs annually. If you want to earn steady reward points on everyday expenses and benefit from milestone bonuses, this card suits salaried professionals and frequent shoppers.
How to maximise rewards on the Rbl Bank Platinum Shopgain Credit Card?
To maximise rewards, prioritize using the card for utility bill payments to earn 25 Reward Points per Rs.100. Also, aim to spend Rs.3 Lakhs and Rs.4 Lakhs annually to unlock the milestone bonuses of 10,000 Reward Points each. Regular use on other purchases will earn 1 Reward Point per Rs.100.
What purchases give the best value on the Rbl Bank Platinum Shopgain Credit Card?
Utility bill payments offer the best value, earning 25 Reward Points per Rs.100 spent. Other purchases earn 1 Reward Point per Rs.100, but focusing on utility bills and reaching milestone spends will maximise your rewards.