Visa, Mastercard, RuPay ★ Metal Edition 📡 Contactless NFC

RBL Bank Insignia Preferred Credit Card

Joining Fee₹7,000

Annual Fee₹7,000

Forex Markup 3.5%

Application ModeDirect via Bank Website

⚖️ Card Verdict & Target Persona

Who Should Apply

Affluent cardholders and fine diners looking for 10X points on dining and international spends, 28k welcome points, ₹5k brand vouchers, and global lounge access.

Who Should Avoid

Users who cannot meet the ₹50,000 quarterly spend threshold for domestic lounge access.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

28,000 bonus Reward Points + ₹5,000 brand voucher (Amazon, Myntra, Croma, Taj) upon payment of joining fee and first transaction within 30 days

10X Reward Points on Dining & International Spends

Earn 10 Reward Points per ₹100 (2.5% return) on dining, international spends, and entertainment.

28,000 Welcome Points + ₹5,000 Voucher

28,000 bonus Reward Points + ₹5,000 brand voucher of choice (Amazon, Myntra, Croma, MakeMyTrip, Taj) upon joining.

Domestic & International Airport Lounge Access

2 domestic lounge visits per quarter + 6 international lounge visits per year via Priority Pass.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

2 Reward Points per ₹100 spent on regular domestic retail purchases (0.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10 Reward Points per ₹100 (2.50% return; 1 RP = ₹0.25) on Dining, International spends, and Entertainment (capped at 5,000 points/month); 28,000 welcome points + ₹5,000 gift voucher

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Flight and Hotel Bookings via RBL Travel Portal (1 RP = ₹0.25), Brand Vouchers & Electronics Catalog, Direct Statement Cash Credit

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Utility Spends Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits2 complimentary domestic airport lounge visits per calendar quarter (8 visits/year)

🌐

International Lounge Visits6 complimentary international airport lounge visits per calendar year via Priority Pass

⚠️

Spend Criteria: Requires minimum retail spend of ₹50,000 in the previous calendar quarter

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹500,000/yr

Annual renewal fee of ₹7,000 + GST is waived off on spending ₹5,00,000 or more in the previous anniversary year

UPI Payments Support✓ Supported (RuPay)

2 Reward Points per ₹100 on eligible merchant RuPay UPI QR transactions

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹400/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹200,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.99% per month (47.88% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the RBL Bank Insignia Preferred Credit Card

Annual Fee: ₹7,000/yr (Waivable)

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, RBL Bank Insignia Preferred Credit Card has a joining fee of ₹7000 and an annual renewal fee of ₹7000 (plus applicable taxes).