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Last updated: 01-06-2026
RBL Bank Icon Credit Card
RBL Bank

RBL Bank Icon Credit Card

"RBL's premium card โ€” 10,000 welcome RPs, domestic and international lounge access, golf and comprehensive travel insurance with low forex markup"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น3,500 + GST
๐Ÿ”„ Renewal Fee
โ‚น3,500 + GST
Waived: Annual fee waived on spending โ‚น5 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Frequent travellers who want premium benefits from RBL Bank including lounge access, golf, travel insurance and 0% forex markup; mid to high spenders seeking a premium alternative from a mid-size bank
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.50 for travel; 1 RP = โ‚น0.25 for others)
๐ŸŽ‰ Welcome Benefit
10,000 bonus Reward Points (worth โ‚น2,500 to โ‚น5,000 depending on redemption) on spending โ‚น50,000 within 60 days of card issuance
๐Ÿ’ฐ Reward Rate
5 RPs per โ‚น100 on travel, dining and international spends; 2 RPs per โ‚น100 on all other eligible retail; excludes fuel, cash, government, EMI; RPs valid 3 years
โœˆ๏ธ Lounge Access
4 complimentary domestic airport lounge visits per quarter (16 per year); 4 complimentary international lounge visits per year via Priority Pass; on spending โ‚น50,000 in preceding quarter
๐Ÿ’ฑ Forex Markup
0% โ€” zero forex markup on international transactions
โญ Rate this Card
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โœ… Pros
  • 0% forex markup โ€” excellent for international travel
  • 16 domestic lounge visits per year
  • 4 international lounge visits via Priority Pass
  • 5X rewards on travel and dining
  • 10,000 welcome RPs on โ‚น50K spend
  • Golf access
  • Comprehensive travel insurance
โŒ Cons
  • Lounge requires โ‚น50K quarterly spend
  • High interest rate 3.99% per month
  • Redemption fee โ‚น99
  • RBL customer service quality is inconsistent
  • Verify current benefits on RBL website

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.50 for travel; 1 RP = โ‚น0.25 for others)
Welcome Benefits
10,000 bonus Reward Points (worth โ‚น2,500 to โ‚น5,000 depending on redemption) on spending โ‚น50,000 within 60 days of card issuance
Reward Rate
5 RPs per โ‚น100 on travel, dining and international spends; 2 RPs per โ‚น100 on all other eligible retail; excludes fuel, cash, government, EMI; RPs valid 3 years
Reward Redemption
RBL Rewards portal: flights, hotels, vouchers, merchandise; 1 RP = โ‚น0.50 for travel, โ‚น0.25 for others; redemption fee โ‚น99 + GST
Fuel Surcharge Waiver
1% fuel surcharge waiver at all fuel stations on transactions โ‚น500 to โ‚น4,000; maximum โ‚น250 per month
Lounge Access
4 complimentary domestic airport lounge visits per quarter (16 per year); 4 complimentary international lounge visits per year via Priority Pass; on spending โ‚น50,000 in preceding quarter
Spend Based Fee Waiver
Annual fee waived on โ‚น5 lakh annual spend
Milestone Benefits
10,000 bonus RPs on โ‚น50K welcome spend; โ‚น5,000 voucher on โ‚น5L annual spend; annual fee waiver on โ‚น5L spend
Other Benefits
0% forex markup โ€” same as World Safari; complimentary golf access (2 rounds per quarter); comprehensive travel insurance; Priority Pass membership; fuel surcharge waiver; contactless payments; EMI conversion

โœจ Special Perks & Exclusive Offers

Memberships
Priority Pass (4 international visits per year on spend condition)
Insurance Cover
Comprehensive travel insurance including air accident, baggage loss, medical emergency; zero liability on reporting
Add-on Cards
Add-on cards for family
Concierge Services
24x7 concierge services
Special Offers
0% forex markup; 16 domestic lounge visits per year; 4 international lounge visits; golf access; comprehensive travel insurance

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น3,500 + GST
Annual Fee / Renewal Fee
โ‚น3,500 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น5 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
Up to 3.99% per month (47.88% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
15% of total amount due, minimum โ‚น50, maximum โ‚น1,500
Over Limit Charges
As per RBL Bank policy
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
0% โ€” zero forex markup on international transactions
Other Charges
Lounge access requires โ‚น50K quarterly spend; redemption fee โ‚น99 + GST; RBL customer service has mixed reviews; verify current benefits on RBL website

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 60 years; Indian resident; minimum monthly income โ‚น50,000+; strong credit history
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and RBL Bank assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Available on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per RBL Bank prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via RBL MyCard app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
Zero liability on reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1800 121 9050 and 022-6232 7777 (24x7)
Chat / Email Support
Chat via RBL Bank website
Mobile App
RBL MyCard app: manage card, track RPs, pay bills
Online Banking
RBL Bank website and MyCard app

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:32 PM
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