RBL Bank
RBL Bank Insignia Preferred Banking World Card
Annual Fee
₹8,260₹7,000 + GSTBase Reward
5% points
Foreign Markup
1.5%
Welcome Benefits
28,000 Reward Points (For Those With Fee Variant)
Product Highlights
- 5 Reward Points for every ₹100 spent on domestic transactions.
- 10 Reward Points for every ₹100 spent on international transactions.
- 2 complimentary lounge access every quarter across airports in India.
- Priority Pass membership with 6 complimentary international lounge visits every calendar year.
- Flat ₹500 off on movie ticket bookings on BookMyShow.
Category Rewards
Specialty
10X RP on International transactions
10X
Fee Waiver
Waiver of Annual Charges on Spends of ₹10 Lakh in a Year (Valid for Fee Variant)
Reward Calculator
Costs you ₹5,860/year
Break-even needs ~₹44,742/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
₹8,260
Year 1 net
₹-5,860
Year 2+ net
₹-5,860
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
₹8,000 vouchers (Amazon/Myntra/Croma/MakeMyTrip/Taj Experiences)
Surcharges & 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 ₹500/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
5 Reward Points for every ₹100 spent on domestic transactions, 10 Reward Points for every ₹100 spent on international transactions. Flat ₹500 off on movie ticket bookings with BookMyShow every month.
- 1 RP = ₹0.25 (approx)
Benefits & Features
Domestic: 2 Complimentary Domestic Lounge Access Per Quarter International: 6 complimentary international lounge access every year via Priority Pass Complimentary lounge access with Priority Pass membership.
Pros & Cons
Pros
- Complimentary domestic and international lounge access.
- Flat ₹500 off on movie ticket bookings every month.
- High reward rate on international transactions.
Cons
- Annual fee of ₹7,000 for non-Insignia Preferred members.
- No insurance benefits.
Partner Merchants
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Apply directly on the bank's official website. Quick approval, no hidden steps.
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Fees & Charges
Eligibility
Networks
Fee Waiver
Waiver of Annual Charges on Spends of ₹10 Lakh in a Year (Valid for Fee Variant)