RBL Bank
RBL Bank Icon Credit Card
Annual Fee
₹5,900₹5,000 + GSTBase Reward
2% points
Foreign Markup
3.5% on all international transactions
Welcome Benefits
20,000 Reward Points
Product Highlights
- 20,000 bonus reward points as welcome benefits
- Complimentary golf games & lessons
- Complimentary lounge access
Category Rewards
Specialty
20X RP on international purchases & weekend dining
20X
dining
20X RP on international purchases & weekend dining
20X
Reward Calculator
Costs you ₹3,500/year
Break-even needs ~₹31,959/month at your reward mix.
₹13K
across all your buckets
9.6K
RBL Reward Points
₹2.4K
via standard · ₹0.25/pt
Effective rate
1.54%
Annual fee
₹5,900
Year 1 net
₹-3,500
Year 2+ net
₹-3,500
ongoing
Adjust your spend by reward bucket
2 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, emi, cash advance, rent, wallet, government
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹150/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 20 Reward Points on every ₹100 spent on international transactions and dining on weekends. Earn 2 Reward Points on every ₹100 spent on retail transactions.
- 1 RP = ₹0.25 against hotels and flights booking, vouchers, gifts, recharge, shopping, lifestyle products, etc.
Benefits & Features
Domestic: 2 Free Visits per quarter (Spends of ₹35,000 or More in the Previous Quarter) International: Complimentary Priority Pass membership (N/A) Access to domestic lounges with specified spending criteria.
Pros & Cons
Pros
- High reward points on international transactions
- Complimentary lounge access
- Golf benefits
Cons
- High annual fee
- No rewards on fuel transactions
Additional Info
Maximum reward points under international transactions & dining category capped at 2,000 RPs per month for each category.
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks