IDBI Euphoria vs RBL Platinum Maxima
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDBI Euphoria Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.9/10 vs 6.5/10.
| Feature | IDBI Euphoria | RBL Platinum Maxima |
|---|---|---|
| CardTrail Score | 7.9/10 | 6.5/10 |
| Annual Fee | ₹1,499 | ₹2,000 |
| Base Reward Rate | 3% | 0.5% |
| Max Reward Rate | 6% | 1.25% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | -1 | 1 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Mastercard | Mastercard |
When to Choose IDBI Euphoria
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- You want higher rewards — up to 6% vs 1.25%
- Your primary spend is: travel, lounge, rewards
When to Choose RBL Platinum Maxima
- Airport lounge access matters — 1 domestic visits
- Your primary spend is: travel, lounge
Annual Fee Value Analysis
To break even on IDBI Euphoria's ₹1,499 fee at 3% rewards, spend ₹4,164/month.
To break even on RBL Platinum Maxima's ₹2,000 fee at 0.5% rewards, spend ₹33,333/month.