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RBL Bank
20 Reward Points per Rs. 100 on international spends and weekend dining, with 20,000 points on joining
One-time
Per year
Uncapped rewards
Score 750+
Applying takes you to RBL Bank. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
2 reward rates with their caps, taken from RBL Bank’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromDining
No published ceiling on this tier
Everything else
No published ceiling on this tier
The issuer publishes no earning exclusions for this card All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
20% on Dining — Weekend dining and international purchases. RBL publishes no rupee value for the point., with no stated cap.
Biggest limitation
Rs. 5,000 plus GST is Rs. 5,900 a year, and RBL publishes no spend level at which it is waived or reversed.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
20 pts
uncappedDining
Weekend dining and international purchases. RBL publishes no rupee value for the point.
2 pts
uncappedEverything else
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹5,900 | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn, subject to a minimum of Rs. 500 |
| Late payment | 12.5% | 12.5% of the total outstanding, minimum Rs. 5 and maximum Rs. 1,300 |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹5,900 a year
charged with no published way to avoid it
1% waiver. 1% surcharge waiver at all fuel stations on transactions between Rs. 500 and Rs. 4,000, up to Rs. 200 a month
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
RBL BankRBL Bank SalarySe UP Credit Card₹589
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RBL BankRBL Bank NOVA Credit Card₹14,750
RBL BankRBL Bank Shoprite Credit Card₹590
RBL BankIndianOil RBL Bank XTRA Credit Card₹1,770
RBL BankRBL Bank Platinum Maxima Credit Card₹2,360| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| RBL Bank Icon Credit Card · this card | ₹5,900 | 20% dining | Included |
| RBL Bank SalarySe UP Credit Card | ₹589 | See card | No |
| IndianOil RBL Bank Credit Card | ₹590 | Up to 6% rewards | No |
| RBL Bank NOVA Credit Card | ₹14,750 | Up to 12 reward points per ₹200 | Included |
| RBL Bank Shoprite Credit Card | ₹590 | Up to 20 reward points per ₹100 | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹5,900 plus GST, with no published spend-based waiver.
The strongest published rate is 20% on dining, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 2 visits a quarter, on spends of Rs. 35,000 or more in the previous calendar quarter
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
The issuer publishes no earning exclusions for this card The issuer publishes no earning exclusions for this card. The issuer publishes no excluded spend categories for this card.
Redeemed through the issuer's rewards programme as published on the card's product page
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
2 reward points per Rs. 100 on ordinary spending, and 20 reward points per Rs. 100 on international purchases and weekend dining — ten times the base rate. There is a 20,000-point joining gift, and milestones of 10,000 points at Rs. 3 lakh, a further 15,000 at Rs. 5 lakh and another 20,000 at Rs. 8 lakh of annual spend.
Conditionally. Two complimentary domestic visits a quarter, and only if you spent Rs. 35,000 or more in the previous calendar quarter. Over 1,400 international lounges are accessible but chargeable at up to 35 dollars per person per visit.
Up to 3.99% a month, which RBL annualises to 47.88%. That is the top of RBL's published range and the most expensive tier in our catalogue. Cash advances cost 2.5% of the amount withdrawn with a minimum of Rs. 500, plus interest from the day of withdrawal.
RBL does not publish a minimum age, income or credit score for this card. That means eligibility cannot be checked in advance, and an application is a hard enquiry whether or not it succeeds.
The earn rate is, at 20 points per Rs. 100. The cost is not: the card carries a 3.5% foreign currency markup, the Indian default, which with GST is about Rs. 4,130 on every Rs. 1,00,000 spent abroad. Whether the points outweigh the markup depends on a point value RBL does not publish.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
