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Credit Cards · India

RBL Bank Icon Credit Card

Updated 5 Jul 2026Source-linked

The RBL Bank Icon Credit Card is a premium credit card from RBL Bank, with a joining fee of ₹5,000 + GST.

It earns up to 24 pts per ₹100 (≈4.8% value) on weekend dining international spends in the form of reward points (points).

Cardholders get 2 quarterly domestic + 2 annual international airport lounge access, plus 20,000 bonus reward points as a welcome benefit.

RBL Bank logo
RBL Bank Icon Credit Card
Mastercard logo
  • Joining Fee₹5,000
  • Annual Fee₹5,000
  • Best Suited ForTravel
  • Reward TypeReward Points (points)
Rewards Rate
  • 24 pts per ₹100 on weekend dining international (cap 2000 points / monthly)
  • Base 0.40% on other spends
Welcome Benefits
  • 20,000 bonus reward points
Data verified 5 Jul 2026 — see our methodology
RBL Bank logoRBLMastercard logoworldpremium
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Rewards and Benefits

Rewards Rate
24 pts per ₹100 on weekend dining international (cap 2000 points / monthly)
Base 0.40% on other spends.
Reward Redemption
RBL Rewards: Redeem at ₹0.25 per unit.
Welcome Benefits
20,000 bonus reward points
Milestone Rewards
  • ₹5,00,000 / annual: Milestone rewards worth up to ₹13,500 per year
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
2 visits each annual.
Travel
N/A
Movie & Dining
N/A
Golf
2 round(s) / monthly.
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

  • Dining & food delivery₹384/mo

    You spend ₹8,000 · earns 4.8% = ₹384 uncapped

    • Capped at ₹400/mo
    • Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 0.4% = ₹60/mo
  • Groceries₹8,000 · 0.4% = ₹32/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 0.4% = ₹40/mo
  • Utilities & bills₹5,000 · 0.4% = ₹20/mo
Est.net rewards for this spend, realistic
₹1,432/yr

₹6,432 rewards − ₹5,000 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
3.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000, capped at ₹500 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • premium card issued by RBL Bank.
  • Joining / annual fee of ₹5,000 + GST.
  • Available on the Mastercard network.
  • Complimentary airport lounge access: domestic (2/quarterly) + international (2/annual).

Pros & Cons

Pros
  • Complimentary international airport lounge access.
  • 24/7 concierge service.
  • Milestone-based bonus rewards on annual / quarterly spend thresholds.
  • Accelerated earn worth ≈4.8% on weekend dining international.
Cons
  • High annual fee of ₹5,000.
  • No annual-fee waiver option.
  • Standard forex markup of 3.50% — suboptimal for international spend.
  • No rewards on fuel spends.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

₹5,000 welcome benefit

  • 20,000 bonus reward points
    Pay annual membership fee by due date
    Window: 60 days from issuance.

Accelerated rewards

  • 24 pts per ₹100 on weekend dining international (cap 2000 points / monthly)
    Capped 2,000 RP/month for THIS category (weekend-dining and international counted separately).

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi

Milestone benefits

  • ₹5,00,000 / annual: Milestone rewards worth up to ₹13,500 per year (≈ ₹13,500 value)

Airport lounge access

Domestic
2 visit(s) / quarterly. Via mastercard, dreamfolks.
International
2 visit(s) / annual. Via priority-pass.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000, capped at ₹500 per monthly.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
750+
Income (salaried)
₹12,00,000 p.a.
Income (self-employed)
₹12,00,000 p.a.
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