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RBL Bank
One-time
Per year
Uncapped rewards
Score 750+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Terms read from published copy
The rates below were read from RBL Bank’s published wording rather than a confirmed rate table, so treat them as indicative.
Terms effective from 9 Oct 2026.
See where each figure came fromData-driven verdict based on net earnings after fees and caps.
Key strength
This card publishes no category-wise reward rates.
Biggest limitation
Rs. 5,000 plus GST is Rs. 5,900 a year, and RBL publishes no spend level at which it is waived or reversed.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
We do not have category-wise reward rates recorded for this card. Check the issuer's page before relying on it.
We do not have redemption details recorded for this card. Check the issuer's page before relying on it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹5,900 | — |
| Cash withdrawal | 2.5% | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 12.5% | 12.5% of the total outstanding, minimum Rs. 5 and maximum Rs. 1,300 |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹5,900 a year
charged with no published way to avoid it
We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.
1% surcharge waiver at all fuel stations on transactions between Rs. 500 and Rs. 4,000, up to Rs. 200 a month
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
No reviews yet
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| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| RBL Bank Icon Credit Card · this card | ₹5,900 | Not published | Not recorded |
| IndianOil RBL Bank XTRA Credit Card | ₹1,770 | Up to 7.5% rewards | No |
| RBL Bank Platinum Maxima Credit Card | ₹2,360 | See card | No |
| IRCTC RBL Bank Credit Card | ₹500 | 5X points per ₹200 | Included |
| RBL Bank World Safari Credit Card | ₹3,000 | Up to 25% rewards | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹5,900 plus GST, with no published spend-based waiver.
We do not have lounge details recorded for this card. Check the issuer’s page.
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
We do not have redemption details recorded.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
RBL Bank Icon Credit Card — see the rates above. ₹5,900 a year.