The RBL LumièreTM is RBL Bank’s ultra-premium metal card, issued strictly by invitation — there is no public application form. RBL extends it to its top private-banking and ultra-high-net-worth relationships.
How to get an invitation
- Bank with RBL’s private / Insignia Preferred Banking segment. The cleanest route is a deep RBL relationship — speak to your relationship manager about a Lumière invitation once your Total Relationship Value is substantial.
- Build Total Relationship Value with RBL. Lumière waives its fee only above roughly ₹2 crore of relationship value, which signals the profile it is extended to — large balances, deposits and investments held with the bank.
- Hold and use a senior RBL card well. A clean, high-spend history on an RBL Icon or World Safari builds the internal profile RBL screens for before extending Lumière.
What issuers look for
- Ultra-high-net-worth / private-banking relationship with RBL
- Total Relationship Value around ₹2 crore+
- Very high annual card spend and a long, clean RBL track record
Observed patterns, not criteria the bank publishes. Any income or score level here is indicative.
Brand-new flagship (launched 2025) and rare — extended to a small set of top relationships, not openly sourced.
In-depth review
RBL Bank Lumière Credit Card
RBL's invite-only 18-gram metal flagship — unlimited domestic and international lounge access, unlimited golf, 0% forex and reward points worth ₹1 each, with 5X on its own rewards portal. The catch: a ₹50,000 fee that no amount of spending waives (only a ₹2 crore relationship reverses it), and RBL's premium-service depth still trailing the incumbents it wants to challenge.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹30,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
10 points/₹100 on Online Shopping (~10% value)
5X — 20 reward points per ₹200 (10% at ₹1/point) on purchases made through the Lumière rewards portal; portal-gated, not earned on general spends
2% on Other
4 reward points per ₹200 (2% at ₹1/point) on general spends; base points redeem at ₹1 on the Lumière rewards portal
Airport Lounge Access
Unlimited complimentary domestic and international airport lounge access for the primary cardholder and accompanying guests
Zero Forex Markup
Use abroad without extra charge — swipe internationally like you do domestically.
Golf Privileges
Unlimited complimentary golf rounds plus 12 golf lessons a year at premier courses across India
24x7 Concierge
Dedicated 24x7 lifestyle concierge, plus 8 airport meet-and-greet services a year
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
12 rounds
Golf rounds/year
₹30,000
Golf perk value
- 24x7 lifestyle and travel concierge
- 12 complimentary golf rounds/year at partner courses
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
Unlimited visits
Domestic lounges
✓
International lounges
₹24,000
Estimated annual value
0% — Zero!
Forex markup
- Domestic + international airport lounge access (worth ~₹24,000/yr)
- Zero forex markup — zero extra cost abroad
For the ultra-affluent RBL private-banking client who receives an invite, spends across travel and the Lumière portal, and values unlimited lounge, unlimited golf and concierge over headline cashback.
Full reward structure
What you earn on every rupee, per spend category — as of 24 Oct 2026. Rates assume 1 pt = ₹1.00. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shoppingonly at Lumière rewards portal (lumiere.rbl.bank.in) | reward points | 10%10 pts/₹100 × ₹1.00 | — |
| Other | reward points | 2%2 pts/₹100 × ₹1.00 | — |
Online Shopping: 5X — 20 reward points per ₹200 (10% at ₹1/point) on purchases made through the Lumière rewards portal; portal-gated, not earned on general spends · Lumière rewards portal (lumiere.rbl.bank.in)
Other: 4 reward points per ₹200 (2% at ₹1/point) on general spends; base points redeem at ₹1 on the Lumière rewards portal
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 24 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹59,000 |
| Joining fee (incl. 18% GST) | ₹59,000 |
| Finance charge (APR) | 3.4% p.m. |
| Forex markup | 0% |
Perks & benefits
Estimated annual value beyond rewards — ~₹59,000/yr in total.
Unlimited complimentary domestic and international airport lounge access for the primary cardholder and accompanying guests
Unlimited complimentary golf rounds plus 12 golf lessons a year at premier courses across India
Dedicated 24x7 lifestyle concierge, plus 8 airport meet-and-greet services a year
Should you get it?
- Best for: Ultra-affluent RBL private-banking clients who receive an invite, High spenders who value unlimited lounge, golf and concierge
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on everyday spends (2% back; 10% only at Lumière rewards portal (lumiere.rbl.bank.in)).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- ₹30,000 Taj/Marriott welcome voucher offsets most of the year-one fee
- Unlimited domestic and international lounge access, including guests
- Unlimited complimentary golf rounds plus 12 lessons a year
- 0% forex markup on all international spends
- Reward points valued at ₹1 each, with 5X on the Lumière portal
✕ Cons
- Invite-only — cannot be applied for directly
- ₹50,000 fee is not spend-waivable; only a ₹2 crore Total Relationship Value reverses it
- Top reward value is locked to the Lumière rewards portal
Eligibility
RBL Bank publishes no eligibility criteria for this card — no minimum income, no age band, no credit-score floor, and no document checklist. That is not an oversight on our part: the card is issued strictly by invitation, there is no public application form, and so there is nothing to qualify for in the usual sense. Any income or score level in the panel above is indicative of the profile the bank extends the card to, not a threshold it states, and the same goes for any salary figure quoted for it elsewhere.
What actually decides an invitation is the relationship behind it — balances held with the bank, spend on an existing card, and the banking segment you sit in. We set those signals out in how to get an invitation above, labelled for what they are: observed patterns, not published criteria.
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Redeem reward points at ₹1 each via the Lumière rewards portal
- 🎁Concierge-assisted bookings and experiences
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
Two cards only. Lumière converts to Air India and Club ITC at 1:1 (⇒ ₹1/pt) — four times RBL's catalogue rate and the best thing about the card, despite RBL's own Lumière page never mentioning transfers at all. Nova is 2:1 to Air India, KrisFlyer, Qatar and Club ITC (⇒ ₹0.50/pt). Credited in up to 7 working days. ITC's own table also lists RBL Insignia (3:1), World Safari Plus (3:1) and iGlobe (4:1) — products we do not carry.
✈ Transfer partners
Direct transfers from this card only, ranked by what a point is worth in the destination programme. Full calculator, every currency →
The ₹50,000 fee is not waivable by spend — only a ₹2 crore Total Relationship Value reverses it — and RBL's premium-service track record trails the established ultra-premium issuers.
Frequently asked questions
What does the RBL Lumière earn?
Can the annual fee be waived by spending?
What welcome benefit does the RBL Lumière offer?
What lounge access does it include?
What interest rate applies to revolved balances?
How has the RBL Bank Lumière Credit Card changed over time?
Has the RBL Bank Lumière Credit Card been devalued recently?
When did the RBL Bank Lumière Credit Card's fees last change?
The bottom line
Lumière is a credible entrant to India's ultra-premium metal tier — unlimited lounge and golf, 0% forex and a ₹1/point base make it competitive with the Infinia/Magnus Burgundy set for an RBL client. But it is invite-only, the ₹50,000 fee reverses only on a ₹2 crore relationship (not on spend), and RBL's service depth trails the incumbents. It rewards a relationship you already have, not one you start for it.
How this page was built
Counted from this card’s own record: 2 earn rules, 1 paid only at named merchants and 3 recorded perks.
Last updated 24 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank Lumière Credit Card are taken from RBL Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 24 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2025 · last change Jan 2026
2026
- ▼ FeeObserved Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee→1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2025
- ◆ LaunchEffective 17 Nov 2025
RBL launches Lumière as invite-only metal flagship
RBL Bank announced the Lumière alongside the Nova on 17 Nov 2025 as its invite-only, ultra-premium 18g metal flagship. At a ₹50,000 + GST annual fee (reversed only on a ₹2 crore Total Relationship Value, not by spend), it earns 4 reward points per ₹200 (2% at ₹1/point) on general spends and 20 points per ₹200 (10%) on the Lumière rewards portal, with unlimited domestic and international lounge access for cardholder and guests, unlimited golf plus 12 lessons a year, eight airport meet-and-greet services, a dedicated concierge and 0% forex markup. Launched with no category earn-exclusions, so the earlier RBL bank-wide devaluations predate and do not apply to it.
Verification: RBL Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/rbl-lumiere#value-timeline">RBL Bank Lumière Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).