At a Glance
Key Benefits
Reward points, 2.00% forex markup
Lounge Access
12 domestic + 12 intl lounges/year
Eligibility
Income: Above Rs 1 Lakh/month, Age: 21-65 years, CIBIL: 750+
Quick Details
Reward Structure
All Spends
Travel
Reward Calculator
Milestone Benefits
Rs.12,500 Taj Experiences or Luxe gift card
value
Rs.10,000 gift card on Rs.3L quarterly spend
Spend ₹3,00,000 within 90 days
value
Airport Lounge Access
visits per year
visits per year
+ 4 guest visits
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days of loss/theft.
Fraud
₹0
Zero liability for unauthorized transactions when reported immediately to the bank.
Air Accident
₹2,00,00,000
Air accident cover for travel booked using this card. Subject to terms and conditions.
Purchase Protection
₹2,00,000
Coverage for purchases made with card against theft or damage within 90 days of purchase.
Lifestyle Perks
Golf
4 /year
4 complimentary golf games per year
Golf
12 /year
12 golf lessons per year
Concierge
Select Circle exclusive concierge
Dining
10.00% off
10% off at select fine dining restaurants
Quick Analysis
The RBL LUMIÈRE is a newly launched ultra-premium metal card targeting UHNIs with exceptional travel rewards (6% on bookings) and a unique 1:1 point value. The Select Circle concierge and curated experiences position it as a lifestyle card. Best for those seeking experiential luxury over standard benefits.
Pros
- 12 RP per Rs.200 on travel (6% reward rate)
- 4 RP per Rs.200 on regular spends (2% reward rate)
- 1 Reward Point = Rs.1 value
- Rs.12,500 welcome gift (Taj/Luxe voucher)
- 12 domestic + 12 international lounge visits
- 4 complimentary golf games per year
- Rs.10,000 quarterly gift card on Rs.3L spend
- Metal card design (18 grams)
- Select Circle exclusive concierge
Cons
- Rs.50,000 joining + annual fee (Rs.1 lakh first year)
- Invite-only for UHNIs
- Limited guest lounge access (4 international)
- 10% dining discount has blackout dates
- Insurance details not fully disclosed
- New card with limited track record
Best For
Luxury travelers, experience seekers, UHNIs wanting curated services
Not Ideal For
Value conscious users, those preferring established programs, domestic-only users
Frequently Asked Questions
What are the fees for RBL Bank LUMIÈRE Credit Card?
What is the eligibility criteria for RBL Bank LUMIÈRE Credit Card?
What rewards does RBL Bank LUMIÈRE Credit Card offer?
Does RBL Bank LUMIÈRE Credit Card offer airport lounge access?
How can I apply for RBL Bank LUMIÈRE Credit Card?
User Reviews
Ready to Apply for RBL Bank LUMIÈRE?
Get started with your application today and enjoy premium benefits, rewards, and exclusive privileges.
Apply Now on RBL Bank Apply Now