RBL Lumière Credit Card

Luxury Hotel Memberships & Welcome E-Vouchers

Cardholders can enjoy premium hotel-related benefits right from the start in the form of welcome e-vouchers and complimentary hotel memberships. As a welcome benefit, cardholders can choose between Taj Experiences or Marriott e-gift vouchers worth ₹30,000, helping offset a large part of the joining fee.

Along with this, cardholders are also eligible for a complimentary annual membership of either Club Marriott or ITC Culinaire from the date of card issuance. The preferred membership can be selected and activated through the Lumière platform.

The Club Marriott membership comes with benefits like discounts on dining and stays across Marriott properties in India and Asia Pacific, spa discounts, savings on Marriott Bonvoy On Wheels orders, and even a complimentary spouse membership. On the other hand, ITC Culinaire offers benefits such as complimentary room upgrades, free stay offers, dining discounts, spa savings, Green Points earnings, and more across participating ITC Hotels.

Up to 5X Rewards on Spending

• Earn 4 Reward Points for every ₹200 spent on regular eligible transactions.
• Earn 20 Reward Points per ₹200 spent on purchases made via lumiere.rbl.bank.in.
• Reward Points come with no expiry date

Rewards Redemption

1 Reward Point = ₹1 redemption value on flights, hotels, miles transfer, experiences, events, gift cards, merchandise, and more through lumiere.rbl.bank.in. Cardholders can also transfer their accumulated Reward Points to participating airline and hotel loyalty programs at a 1:1 conversion ratio.

Current partners include Air India, Qatar Airways, Singapore Airlines, AirAsia, and Club ITC.

Airport Lounge Access & Meet-and-Greet Benefits

Primary cardholders and their guests can enjoy unlimited complimentary domestic airport lounge access across India. For international travel, the primary cardholder continues to get unlimited lounge access, while accompanying guests are eligible for up to 10 complimentary international lounge visits every year.

The card also offers airport meet-and-greet services, a premium travel benefit that helps make the airport experience smoother and more comfortable. Cardholders get 8 complimentary meet-and-greet services every calendar year, where dedicated airport staff assist with check-in, security clearance, immigration, and other airport formalities.

Complimentary Golf Rounds & Lessons

Golf is often considered a sport associated with luxury lifestyles, so it makes sense for the RBL Lumière Credit Card to include premium golf benefits. Cardholders can enjoy unlimited complimentary golf rounds every year, along with 12 complimentary golf lessons annually at select golf courses across India. While this is definitely a valuable addition for golf enthusiasts, it is a bit surprising that these benefits are limited only to the primary cardholder.

Green Legacy Initiative

As the world continues to modernize and grow rapidly, we often forget the importance of nature and environmental sustainability. Interestingly, RBL Bank has tried to add a meaningful touch to the Lumière Credit Card through its Green Legacy Initiative. Under this initiative, a tree sapling is allocated in the cardholder’s name for eligible retail transactions of ₹50,000 or more.

The initiative focuses on supporting reforestation efforts across designated regions in India. Cardholders also receive a confirmation acknowledging the tree allocated to them. While this may not be the main reason someone applies for such an ultra-premium card, it is still a thoughtful addition for those who appreciate sustainability and wish to contribute towards a greener future through their spending.

RBL Lumière Credit Card – Our Verdict

In late 2025, RBL Bank launched a couple of new credit cards, including the mid-range Nova Card and the ultra-premium RBL Lumière Credit Card. The Lumière is currently the bank’s most premium offering and is clearly designed for high-net-worth individuals who value luxury travel and lifestyle benefits. With features like unlimited lounge access, airport meet-and-greet services, zero forex markup, golf privileges, and hotel memberships, the card does manage to offer a strong premium experience.

The annual fee of ₹50,000 + GST is definitely on the higher side, but customers maintaining a Total Relationship Value (TRV) of ₹2 Crore or more with RBL Bank can get the fee waived completely. For such customers, the card becomes far more attractive as they can enjoy the premium benefits without worrying about the yearly charges.

That said, there are still a few areas where the card could have done better. While unlimited airport lounge access with guest visits is a welcome addition, certain benefits like golf privileges being limited only to the primary cardholder feels slightly disappointing for a card in this segment. Similarly, the rewards structure is decent, but not necessarily market-leading when compared to some other premium cards available in India.

At the end of the day, cards with such high annual fees need to offer exceptional overall value after offsetting the charges. For customers who already have significant funds parked with RBL Bank and prefer premium travel and lifestyle benefits, the Lumière Credit Card can make sense. However, popular cards like the HDFC Infinia, Axis Olympus, and ICICI Times Black still offer tougher competition and may provide better overall value for many users despite having lower or comparable fees.