RBL Bank Insignia Preferred Banking Credit Card
RBL Bank · Open to apply
A ₹7,000 premium card (nil for Insignia banking customers, waived at ₹10 lakh of spend) with 5 reward points per ₹100 at home and 10 abroad, 28,000 welcome points, 3-to-1 transfers to ten airline and hotel programmes, six Priority Pass visits abroad, two domestic lounge visits a quarter, a 1.5% forex markup and golf, dining and hotel privileges through a concierge.
- Annual fee
- ₹7,000 + GST a year
- Joining fee
- ₹7,000 + GST
- Fee waiver
- Annual fee waived on ₹10,00,000 spend per card year
- Base rate
- 5 reward points per ₹100 on domestic purchases: 5 RBL Reward Points per ₹100 (about 1.25% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter; International: 6 visits a calendar year; International: 1 visit a calendar month after ₹1,00,000 spend
- Forex markup
- 1.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 reward points per ₹100 on international purchases: 10 RBL Reward Points per ₹100 (about 2.5% at cash value)
Earns nothing on
- No base reward points on EMI conversions
Terms the calculator does not value
- RBL publishes no rupee value for Insignia reward points. The calculator uses ₹0.25 a point (the value RBL's other pages assume) for vouchers and travel, and values transfers at the partner programmes' values; the card's value moves with these figures.
- The T&C lists no excluded categories for reward points, while RBL's other cards exclude fuel, rent, utilities and similar spends. None is entered; whether such spends earn 5 points is not stated.
- The MITC and schedule list Insignia cards' add-on fee as nil; the card is otherwise issued to Insignia banking customers through a relationship manager, and eligibility terms are not published.
Sources
- RBL Bank, Insignia Preferred Banking Credit Card page (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank, Insignia Preferred Banking Credit Card Terms and Conditions (PDF of Oct 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, Most Important Terms and Conditions cum Key Fact Statement for Credit Cards (PDF modified 2026-08-20) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- RBL Bank, Schedule of Charges for credit cards, RBL-CC-SOC-V2-04-06-2026 (Schedule of charges, the bank's own, read 6 Nov 2026)
- RBL Bank, Miles Transfer Programme Terms and Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, Insignia Preferred Banking Credit Card milestone benefits guide (Reward terms, the bank's own, read 6 Nov 2026)
- RBL Bank, Platinum Maxima Plus Credit Card page (worked example valuing points at ₹0.25) (Product page, the bank's own, read 6 Nov 2026)
- RBL Bank Credit Cards Rewards Programme terms and conditions (Reward terms, the bank's own, read 6 Nov 2026)