RBL Bank Icon Credit Card
Updated on August 27, 2026
🎖️Reward Rate
Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 spent on all regular retail purchases)
Overview
RBL Bank Icon Credit Card by RBL Bank provides premium value tailored for Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 spent on all regular retail purchases)
- • Accelerated Rewards: 20 Reward Points per ₹100 spent on International purchases & Dining spends (10X Multiplier)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Utility bills
- • Cash withdrawals
Welcome Benefit
20,000 Bonus Reward Points (worth ₹5,000) on your first transaction within 30 days of card issuance and payment of joining fee.; Qualification Criteria: Make 1st purchase within 30 days; Pay annual membership fee by due date; Fulfillment Timeline: Credited within 60 days of card issuance
Milestone Benefit
Spend ₹3 Lakhs (Annual): 10,000 bonus Reward Points upon spending ₹3 Lakhs annually; Spend ₹5 Lakhs (Annual): 15,000 additional bonus Reward Points upon spending ₹5 Lakhs annually; Spend ₹8 Lakhs (Annual): 20,000 additional bonus Reward Points upon spending ₹8 Lakhs annually (Total 45,000 bonus milestone RP); Annual Fee Waiver: Spend ₹8 Lakhs or more in preceding 12 months for fee waiver and 20,000 bonus RP
Redemption
- • Air travel, hotel stays and partner airline mile transfers via RBL Rewards portal at 1 RP = ₹0.25
- • Curated luxury catalog products, shopping vouchers and electronics
- • Statement credit balance settlement
Benefits
- Domestic Airport Lounge: 8 per year (2 visits per quarter) via Mastercard / Visa Lounge Program [Criteria: Spend ₹35,000 or more in the previous calendar quarter]
- International Airport Lounge: Complimentary Priority Pass membership Standard visits chargeable at US$35 via Priority Pass
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month) on fuel transactions between ₹500 and ₹4000
- BookMyShow 1+1 Movie Tickets: Buy 1 movie ticket and get up to ₹200 off on the second ticket twice a month on BookMyShow (Savings up to ₹4,800/year). (Twice per calendar month
- Valid on all days) [Partners: BookMyShow]
- Complimentary Golf Rounds & Lessons: Access 4 complimentary rounds of golf and 1 complimentary golf lesson every month at premier courses across India. (4 free green fee rounds/year
- 1 lesson/month) [Partners: Golf Partner Courses]
- 24x7 Dedicated Lifestyle Concierge: Personal assistance for flight reservations, fine dining reservations, luxury gift deliveries, and event access worldwide. (24x7 toll-free concierge desk) [Partners: Mastercard / Visa Concierge]
Things to Know Before you apply
RBL Bank Icon Credit Card Eligibility Criteria
- Age: 21–65 years
- Salaried: Net monthly income > ₹1,50,000; Self-Employed: Annual ITR > ₹18,00,000
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹5,000 |
| Annual Fee | ₹5,000 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% of withdrawn amount (Min ₹500) |
Fee waiver: Spend ₹8 Lakhs or more in preceding 12 months for fee waiver and 20,000 bonus RP
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
RBL Bank Icon Credit Card issued by RBL Bank is one of India's leading credit cards for Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 spent on all regular retail purchases)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹5000
- • Reward exclusion on fuel purchases and wallet load transactions
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- • 20,000 Bonus Reward Points (worth ₹5,000) on your first transaction within 30 days of card issuance and payment of joining fee.
- • Qualification Criteria: Make 1st purchase within 30 days
- • Pay annual membership fee by due date
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
- • Complimentary welcome voucher worth ₹500 from premium retail partners upon completion of first transaction within 30 days.
- • Qualification Criteria: First card swipe within 30 days of issuance
- • Fulfillment Timeline: Dispatched via SMS within 45 days
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 spent on all regular retail purchases)
- • Accelerated Rewards: 20 Reward Points per ₹100 spent on International purchases & Dining spends (10X Multiplier)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Utility bills
- • Cash withdrawals
- • 24 Reward Points per ₹150 on fuel purchases at HPCL retail outlets, LPG purchases and via HP Pay App (up to 5% savings)
- • 10 Reward Points per ₹150 on utility & departmental store spends (up to 2% savings)
- • 2 Reward Points per ₹150 on all other categories
- • Accelerated points and fuel surcharge waiver apply only at eligible HPCL fuel outlets
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Accelerated Rewards: Earn 6 Reward Points per ₹100 spent on International purchases (4X Accelerated Earning)
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government payments
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 spent on all regular retail purchases)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Up to 5% savings on HPCL fuel, LPG and HP Pay App transactions
- • Low ₹499 joining and annual fee
- • 4 complimentary domestic lounge visits per year
- • Annual fee waiver on ₹50,000 spend
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹5000
- • Reward exclusion on fuel purchases and wallet load transactions
- • Accelerated rewards and surcharge waiver limited to eligible HPCL outlets
- • Age eligibility differs by employment type (21–60 salaried, 24–65 self-employed)
- • No specific minimum income figure disclosed
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions