RBL Bank Insignia Preferred Banking Credit Card
Updated 15 Apr 2026Source-linked
The RBL Bank Insignia Preferred Banking Credit Card is a invite only credit card from RBL Bank, with a joining fee of ₹10,000 + GST.
It earns up to 10% back on international spend spends in the form of reward points (points).
Cardholders get unlimited annual domestic + unlimited annual international airport lounge access, plus 10,000 bonus reward points + luxury voucher as a welcome benefit.
RBL Bank Insignia Preferred Banking Credit Card
- Joining Fee₹10,000
- Annual Fee₹10,000
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
Rewards Rate
- 10% on international spend
- Base 2.00% on other spends
Welcome Benefits
- 10,000 bonus Reward Points + luxury voucher
RBLinfiniteinvite onlyRewards and Benefits
Rewards Rate
10% on international spend
Base 2.00% on other spends.
Reward Redemption
RBL Rewards: Redeem at ₹0.4 per unit.
Welcome Benefits
10,000 bonus Reward Points + luxury voucher
Milestone Rewards
N/A
Domestic Lounge Access
Unlimited visits each annual.
International Lounge Access
Unlimited visits each annual.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
Unlimited round(s) / monthly · unlimited lesson(s).
Insurance Benefits
- air accident: ₹4,00,00,000
- travel medical: ₹2,50,00,000
Other Benefits
N/A
Fees & Charges
Spend-Based Waiver
₹10,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.50%
Interest Rates
3.99% per month (47.9% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- invite only card issued by RBL Bank.
- Joining / annual fee of ₹10,000 + GST, waived on annual spends of ₹10,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (unlimited/annual) + international (unlimited/annual).
- Insurance cover bundled: air accident, travel medical.
Pros & Cons
Pros
- Annual fee waivable on ₹10,00,000 spend.
- Strong base reward rate of 2.00%.
- Low forex markup of 1.50% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn rate of 10% on international spend.
Cons
- High annual fee of ₹10,000.
- No rewards on fuel spends.
- Invite-only — limited availability.
₹15,000 welcome benefit
- 10,000 bonus Reward Points + luxury voucherJoining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 10% on international spend
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
Unlimited visit(s) / annual. Via visa, dreamfolks. Guests: unlimited.
International
Unlimited visit(s) / annual. Via priority-pass. Guests: unlimited.
Insurance benefits
- air accident: ₹4,00,00,000
- travel medical: ₹2,50,00,000
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹400 and ₹5,000.
Sources
- : www.rblbank.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–70
- Credit score
- 780+
- Income (salaried)
- ₹35,00,000 p.a.
- Income (self-employed)
- ₹35,00,000 p.a.
Available only to RBL Preferred Banking customers.