RBL Bank Insignia Preferred Banking Credit Card
Updated on August 27, 2026
🎖️Reward Rate
Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
Overview
RBL Bank Insignia Preferred Banking Credit Card by RBL Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
Welcome Benefit
Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.; Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days; Fulfillment Timeline: Credited within 60 days of card issuance
Milestone Benefit
Spend ₹8 Lakhs (Annual): Gift Voucher worth ₹8,000 from premium brands (Amazon, Myntra, Croma, MakeMyTrip, Taj) on ₹8L annual spend; Spend ₹1 Lakhs (Monthly): 1 Additional Complimentary International Lounge visit (Shareable with Guests) on ₹1L monthly spend; Spend ₹10 Lakhs (Annual): 100% Annual Renewal Fee Waiver (₹7,000 saved) on ₹10 Lakhs spend; Annual Fee Waiver: Complimentary Lifetime Free for Insignia Preferred Banking clients (₹7,000 waived on ₹10 Lakhs spend for retail holders)
Redemption
- • Flight & 5-star hotel bookings, international air mile transfers on RBL Insignia portal at 1 RP = ₹0.25
- • Luxury brand vouchers (Taj Experiences, Apple, Amazon, Myntra, Croma)
- • Statement credit balance settlement
Benefits
- Domestic Airport Lounge: 8 per year (2 visits per calendar quarter) via Mastercard World Elite / Visa Infinite Lounge Program
- International Airport Lounge: 6 per calendar year via Priority Pass (+1 visit per month on ₹1L spend, guest allowed) via Priority Pass
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month) on fuel transactions between ₹500 and ₹4000
- Flat ₹500 Discount on BookMyShow Twice a Month: Get flat ₹500 off on movie ticket bookings twice every month on BookMyShow (Total savings up to ₹12,000 per year). (Twice per calendar month
- Flat ₹500 discount per booking) [Partners: BookMyShow]
- Ultra-Low 1.5% Foreign Currency Markup: Low forex markup fee of only 1.5% on all overseas payments, international hotel bookings, and foreign websites. (1.5% forex markup) [Partners: Mastercard World Elite]
- EazyDiner Prime Membership & Fine Dining: Complimentary EazyDiner Prime annual membership offering 25% to 50% discount and 1+1 buffet at over 3,000 luxury restaurants across India. (Complimentary EazyDiner Prime
- 1+1 buffet offers) [Partners: EazyDiner]
- Complimentary Golf Games & Lessons: Access 4 complimentary green fee rounds per year and 1 complimentary golf lesson every month at premier championship courses. (4 free rounds/year
- 1 lesson/month) [Partners: Golf Partner Courses]
- VIP Hotel Upgrades & Amenities: Exclusive privileges at over 2,400 luxury hotels globally including early check-in, late check-out, room upgrades, and complimentary breakfast for two. (Room upgrade upon availability
- Complimentary breakfast for 2) [Partners: Luxury Hotel Collection]
Things to Know Before you apply
RBL Bank Insignia Preferred Banking Credit Card Eligibility Criteria
- Age: 21–65 years
- RBL Bank Insignia Preferred Banking account holder (or Salaried: > ₹2,50,000/month; Self-Employed: Annual ITR > ₹30,00,000)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | Free |
| Annual Fee | Free |
| Foreign Currency Mark-up Fee | 1.5% |
| Cash Advance Fee | 2.5% of withdrawn amount (Min ₹500) |
Fee waiver: Complimentary Lifetime Free for Insignia Preferred Banking clients (₹7,000 waived on ₹10 Lakhs spend for retail holders)
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
RBL Bank Insignia Preferred Banking Credit Card issued by RBL Bank is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
Cons
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
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- • Complimentary banking privileges for Insignia account holders or 28,000 Bonus Reward Points (worth ₹7,000) on first purchase within 30 days and fee realization for other cardholders.
- • Qualification Criteria: Maintain Insignia Preferred Banking relationship or spend within 30 days
- • Fulfillment Timeline: Credited within 60 days of card issuance
- • Complimentary activation bonus upon fee payment
- • 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: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Accelerated Rewards: 10 Reward Points per ₹100 spent on all International purchases (Double Rewards Rate)
- • Excluded Categories: Fuel transactions
- • Wallet loading
- • Cash advances
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • 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: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Lifetime Free card with zero annual charges
- • Shift to your shopping gear and avail up to 2% Savings (10 Reward Points for every ₹150 spent) on utility & departmental stores*. Get 2 Reward Points for every ₹150 spent on other categories. - Accelerated Reward Points and Fuel Surcharge Waiver benefits will be provided only on fuel transactions done...
- • Movie & Travel Fun Fuel the wanderlust in you with 4 Complimentary airport lounge access per year (1 per Quarter) at partner domestic lounges for primary cardholders***. Click Here to check the airport lounge list and eligibility criteria. Get 25% off up to ₹100 on the purchase of minimum 2 tickets per transaction at... Read more
- • High value reward program
- • Wide merchant acceptance
- • 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
- • Standard terms & exclusions apply
- • Reward exclusion on fuel purchases and wallet load transactions
- • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions