Card Details
RBL Bank Lumiere Credit Card
Card Issuer
RBL Bank
Joining Fee
₹50,000
Annual Fee
₹50,000
Reward Type
Reward Points
Earn Points
4 Rp/ ₹200
On eligible retail purchases
20 Rp/ ₹200
Spent on lumiere platform
Benefits
First three add-on cards are complimentary
- The first three add-on cards are free of charge and extend benefits to loved ones
Unlimited domestic lounge access (primary and…
Things to Keep in Mind
Unlimited complimentary domestic lounge access for the primary cardholder and accompanied guests. Unlimited complimentary international lounge access for the primary cardholder. Accompanied guests get 10 complimentary international visits a year; extra guest visits cost up to $35.
The card is reported as invite-only, and some features had not been announced in the available research.
Card insights
Monzy Score
5/ 10
Average for ultra high spenders.
Invite-only metal card with unlimited lounges; 4 RP per ₹200 and a ₹50,000 fee.
What Users Are Saying
Alternatives
If you spend…
Recommendation
Proven super-premium
Infinia Credit Card Metal EditionLower-fee travel
Axis Bank ATLAS Credit CardRBL travel card
World Safari Credit CardFrequently Asked Questions
Users ask this, and RBL publishes no eligibility criteria. Reports describe it as invite-only, linked to your relationship value with RBL, so ask the bank directly.
How much does the RBL Lumiere cost?
RBL does not say. Its product page describes three things only: a metal card, a personal service layer called Select Circle, and three free add-on cards. It gives no fee, no reward rate, no lounge terms and no forex markup.
Our record lists a joining and annual fee of ₹50,000 + GST, about ₹59,000 a year with tax. Users in our sentiment report quote the same figure. We have not been able to match it to RBL's terms, so treat it as unverified until RBL puts it in writing. An older dataset once showed ₹499 for this card; that number is wrong.
What users say the fee buys
Everything in this list comes from user reports, not from RBL:
- Unlimited global lounge entries and access to Encalm Privé
- Zero forex markup
- 1:1 point transfers to hotel and airline partners
- Credit limits of up to ₹20 lakh, and metal add-on cards
Our record shows 4 reward points per ₹200 on retail spends and 20 points per ₹200 on "the Lumiere platform", but RBL's page does not confirm either rate. Nobody has published what a point is worth, so we do not turn that into a percentage. Users say the base rate feels weak for a card at this price.
If zero forex is real, ₹10 lakh of foreign spend a year saves about ₹35,000 against a typical 3.5% markup. That still does not cover ₹59,000 on its own.
Getting an invite, and the ₹2 crore question
Lumiere is reported as invite-only. Users describe invites tied to a large total relationship with RBL, and a fee waiver at roughly ₹2 crore of relationship value. One user notes it needs an ITR above ₹1 crore. If an RBL relationship manager offers it, ask for the fee, the waiver rule, the earn rate, the point value, the lounge list and the forex markup in writing before you accept.
Should you accept a Lumiere invite?
Consider it only if you already hold a very large RBL relationship and RBL waives the fee in writing. For a super-premium card with a proven, published reward engine, users prefer HDFC Infinia Metal Edition. If you travel a lot without banking at RBL, the Axis Bank Atlas costs far less.
Credit Card Information Compiled by: Abhijeet Kumar | Reviewed by: Anmol Ratan Sachdeva