paisa simple logo

RBL Bank Insignia Preferred Banking Credit Card

Verified · August 20, 2026

Updated on August 20, 2026

🎖️Reward Rate

You earn 5 reward points for every INR 100 spent on domestic transactions.

Overview

Insignia Preferred Banking World credit card allows to have curated rewards & enjoyable culinary experience. Avail hand-picked shopping experiences, golf retreats & more. Apply today!

Rewards

Reward Type

Cashback

Reward Rate

  • You earn 5 reward points for every INR 100 spent on domestic transactions.
  • You earn 10 reward points for every INR 100 spent on international transactions.

Welcome Benefit

Get 28,000 bonus reward points as welcome benefit. (Not Applicable for Insignia Banking customers); Avail the welcome benefit in two simple steps: Step 1: Swipe and use your card within 30 days of card issuance. Step 2: Pay the annual membership fee by the payment due date.; Avail the welcome benefit in two simple steps:; Step 1: Swipe and use your card within 30 days of card issuance.; Step 2: Pay the annual membership fee by the payment due date.; Welcome Benefit will be credited to the Cardmember’s Account within 60 days from the date of the Card issuance.; Refer Product T&C for more details

Milestone Benefit

Unlock vouchers worth INR 8,000 on your favourite brands (Amazon, Myntra, Croma, MakeMyTrip & Taj Experiences) on spends of INR 8 lacs in a membership year.; Vouchers will be credited to your account within 45 days from the date of crossing the corresponding Milestone Benefit.; Click here for the Milestone Benefit T&C.; Lounge Access at airports in India: You can enjoy 2 complimentary lounge visits every calendar quarter at major domestic & international terminals across India by swiping your Insignia Preferred Banking Credit Card.; Know the complete list of domestic lounges and terms of the offer, click here .; Lounge Access at airports outside India: A complimentary Priority Pass membership is live on your Insignia Preferred Banking Credit Card which unlocks access to over 1,400 international airport lounges worldwide.; As a part of the membership, you get 6 complimentary lounge visits outside India in a calendar year.; Complimentary visits can be shared between the Primary cardholder and their guests.; Additionally, if you spend INR 1,00,000 or more in a calendar month on your Credit Card, the primary cardholder can avail of an extra lounge visit outside India.; Know the complete list of Priority Pass lounges and terms of the offer, click here .; 1. The spend based extra lounge visit can be accessed through a voucher issued by Lounge Key on behalf of RBL Bank.; 2. Once you avail the complimentary visits, you will be charged up to $35 in case of any subsequent lounge visits.

Redemption

Redeem for flight/hotel bookings, brand vouchers, and statement cash credit

Benefits

  • Enjoy 25% to 50% discount, 1+1 Buffet privileges, and priority booking powered by EazyDiner Prime at curated selection of premium restaurants.
  • Experience luxury with exclusive benefits at 2400+ premium hotels across the globe, including: Early check-in | Late check-out | Complimentary room upgrade | Complimentary breakfast for two | Hotel or dining credit | Welcome amenity.
  • Our hotel partners include Marriott, Accor, IHG, Mandarin Oriental, Shangri-La and many more.
  • (Benefits may vary by property and are subject to change at any time. Early check-in, late check-out, complimentary room upgrade are subject to availability.)
  • Get 15% discount on Wellness programs from Weljii such as Weight Management, Diabetes Care ,Healthy Heart and others.
  • Receive a free health score or status assessment worth INR 1,999 and avail of a 10% discount on curated packages at Dietician Support.
  • Get 10% discount on one-time consultation and multi-week plans from renowned nutritionist Vasundhara Agrawal.
  • Get easy access to premier golf courses across India.
  • Get 4 complimentary rounds of green fee in a year and one golf lesson each month.
  • Rejoice 50% discounted green fee beyond 4 complimentary rounds.
  • To book your game, please call MasterCard World Card Golf helpline at 1800 102 6263. An advance notice of 7 days will be required.
  • Click here to know more about the program, list of golf courses and term and conditions.
  • **Golf benefit is complimentary only for MasterCard holders.
  • Car Rental and Limousine Referral and Reservation Assistance
  • Flower and Gift Delivery Assistance
  • Spa, Fitness Centre, and Sports Centre Information and Referral Assistance
  • Global Events and Performance Assistance & Business Services
  • Overseas Education Assistance
  • How to apply?
  • Conclusion (CTA)
  • ShopRite Credit Card journey starts with 2,000 Reward Points
  • Simple steps to get your welcome gift:
  • ShopRite Credit Card journey starts with 2,000 Reward Points
  • Simple steps to get your welcome gift:

Things to Know Before you apply

RBL Bank Insignia Preferred Banking Credit Card Eligibility Criteria

  • Age: 21–65 years
  • Salaried: > ₹35,000/month; Self-Employed: ITR > ₹6,00,000
  • Salaried & Self-Employed Individuals
  • Resident Indian

Fees & Charges

ParticularsAmount
Joining FeeFree
Annual FeeFree
Foreign Currency Mark-up Fee3.5%
Cash Advance Fee2.5% (Min ₹500)

Fee waiver: waiver off on spending INR 10

PaisaSimple Review

Overall Rating

4.5/5

What do we like about this card?

The Insignia Preferred Banking Card - Apply for Insignia Preferred Banking World Card | RBL Bank issued by RBL Bank is a top choice in India for everyday transactions and cashback. It features 3.5% forex markup and generous reward multipliers.

Pros

  • You earn 5 reward points for every INR 100 spent on domestic transactions.
  • You earn 10 reward points for every INR 100 spent on international transactions.
  • High value reward program
  • Wide merchant acceptance

Cons

  • Standard terms and exclusions apply on fuel, rent, and government utilities unless specified