RBL Bank Icon Credit Card
RBL Bank
₹5,000
Joining fee
₹5,000
Annual fee
No spend-based waiver; compensated instead by a 20,000-point welcome bonus. Redemption fee Rs 99 + GST per redemption transaction (official).
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹90,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 760+
Estimated — not officially confirmed by the bank.
Age: 21–60
Salaried or self-employed, stable income and good credit history required; no specific income threshold disclosed (aggregator-sourced).
Lounge access
8 domestic / 0 international visits per year
Domestic: 2 complimentary visits per quarter (up to 8/year), gated by Rs 35,000+ spend in the previous quarter — both sources agree
International: DISCREPANCY: Paisabazaar states no complimentary international lounge access (domestic only); official page states international access to 1,400+ lounges IS available, but each visit is charged up to $35 per person (paid, not complimentary). The official page's paid-access model is treated as the more accurate picture, since Paisabazaar's blanket 'none' appears to be an oversimplification.
Reward details
2 reward points per Rs 100 on standard purchases
- 20 points per Rs 100 on International spend and weekend dining — 2,000 points/month per category
Welcome bonus: 20,000 reward points on retail spend within 30 days
- Rs 3,00,000 annual spend: 10,000 points
- Rs 5,00,000 annual spend: 15,000 points
- Rs 8,00,000 annual spend: 20,000 points (total 45,000 points/year — both sources agree)
Redemption
Rs 99 + GST redemption fee per transaction.
Excluded from rewards: weekday dining, railways (excluded from accelerated categories, aggregator-sourced)
- 1% fuel surcharge waiver (Rs 500-4,000 transactions, max Rs 200/month); golf benefits and concierge services; 1+1 movie tickets on BookMyShow up to Rs 200, twice monthly.
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Comprehensive lifestyle benefits package — golf privileges, movie discounts, lounge access — appeals to high-spenders; the 45,000-point milestone total viewed favorably — Paisabazaar
Complaints
- High joining/annual fee; reward capping on accelerated categories; narrow category exclusions (weekday dining, railways); paid (not free) international lounge access limits utility for frequent international travelers — Paisabazaar
Sources
- Official — lounge (international paid access), rewards
- Aggregator — eligibility, forex, lounge, rewards, sentiment