Premium Travel & Dining Credit Card with 5X Accelerated Rewards & Lounges
Frequent urban diners, domestic business flyers, and lifestyle spenders seeking lounge privileges and accelerated dining points.
₹3,000
One-time upfront₹3,000
Waived on ₹3 lakh annual spend2 Reward Points per Rs 100 on general retail spends (0.5% value back)
On eligible spends8 Domestic visits/year · ₹35k quarterly spend required
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The RBL World Prime Credit Card is an upscale travel and lifestyle credit product crafted for discerning urban spenders. Carrying an annual fee of ₹3,000 plus GST, it immediately provides a strong counter-value with a welcome gift of 12,000 reward points (valued at ₹3,000 across travel and voucher redemptions) upon card activation and initial spend within 30 days. The card's earning structure rewards indulgence: cardholders earn 10 reward points per ₹100 spent on dining (an effective 2.5% return since 4 points = ₹1) and 4 reward points per ₹100 on international expenditures (1.0% return). On all other domestic retail spends, users receive 2 reward points per ₹100. In addition, reaching annual spend milestones of ₹4,00,000 and ₹8,00,000 unlocks 10,000 bonus reward points at each tier (providing up to 20,000 bonus points annually, worth ₹5,000). Travel privileges are substantial: cardholders enjoy 2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year) and 4 complimentary golf rounds or lessons annually. Cardholders also receive a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (up to ₹150 monthly). The annual fee is completely waived on spending ₹3,00,000 in the previous year. For domestic travelers who dine out frequently and fly multiple times a year, the World Prime card delivers a comfortable, premium travel experience.
2 RP for every ₹100 spent online
12,000 Reward Points
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining & Travel Spends | 10 Reward Points per Rs 100 on dining and travel expenditures (2.5% value back) | 3,000 Reward Points/mo | Standard terms apply |
| All Other Retail Spends | 2 Reward Points per Rs 100 on all other retail transactions (0.5% value back) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Dining & Travel Spends | ₹12,000 | 10 Reward Points per Rs 100 on dining and travel expenditures (2.5% value back) | — | ₹3,000/monthly | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 2 Reward Points per Rs 100 on all other retail transactions (0.5% value back) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹3,000
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
Earn 10,000 bonus Reward Points (worth Rs 2,500) on annual spends of Rs 3,00,000 (also waives annual fee).
Earn additional 10,000 bonus Reward Points (worth Rs 2,500) on reaching annual spends of Rs 5,00,000.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹3,000 + GST; Annual Renewal Fee: ₹3,000 + GST. • Annual Fee Waiver: Spend ₹3,00,000 or more in an anniversary year to waive the ₹3,00,000 renewal fee. • Welcome Benefit: 12,000 Reward Points credited upon card setup and completing first spend within 30 days. • Reward Mechanics: 10 RP per ₹100 on dining (2.5% return); 4 RP per ₹100 on international spends; 2 RP per ₹100 on domestic retail. • Airport Lounge: 2 complimentary domestic airport lounge visits per calendar quarter (8 visits annually). • Golf Privileges: 4 complimentary golf rounds or golf lessons per calendar year at premier golf courses. • Milestones: 10,000 bonus points on ₹4L annual spend; additional 10,000 bonus points on ₹8L spend. • Fuel Surcharge: 1% fuel surcharge waiver for spends between ₹500 and ₹4,000 (up to ₹150 per cycle).
Evaluate whether this card's perks and waiver threshold justify its ₹3,000 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding RBL World Prime Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official RBL Bank portal with paperless verification.
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