RBL ICON Credit Card
The RBL ICON Credit Card is RBL Bank's top-tier premium credit card, offering 5 RBL Reward Points per ₹100 on dining, travel, and entertainment, and 2 RP per ₹100 on all other spends.
Premium Privileges Fit Score
88/100
Joining Fee
₹1,000
Annual Fee
₹5,000
Reward Rate (%)
2 – 5
2 pts/₹100 · ₹0.25/pt
Forex Markup
2%
Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.
CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
18/25
Lounge & Perks
18/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
RBL ICON Credit Card Benefits
RBL ICON Credit Card Rewards
How you earn back on every swipe
points
Reward type
2% – 5%
Earn rate
2
Points / ₹100
₹0.25
Per point
RBL ICON Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
RBL ICON Credit Card Lounge Access
Airport perks included with this card
4 per quarter
Domestic lounge visits
4 per year
International lounge visits
Priority Pass
Included with this card
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- No reward points on fuel transactions
Card Features
Annual Fee: ₹5,000
This card carries a fixed annual fee of ₹5,000. At ~2% estimated return, spending approximately ₹20,833/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
RBL ICON Credit Card Eligibility
Pros & Cons
- 5 RBL Reward Points per ₹100 on dining, travel, and entertainment
- 2 RBL Reward Points per ₹100 on all other eligible retail spends
- 4 complimentary domestic airport lounge visits per quarter via DreamFolks
- 4 international airport lounge visits per year via Priority Pass
- 2% forex markup on international transactions
- 1:1 mile transfer to airline loyalty programmes
- ₹5,000 annual fee with no waiver
- International lounge capped at 4 per year
Who is this card for?
High-spending professionals and frequent travellers who want RBL's most rewarding card with comprehensive lounge access. Best for those spending ₹50,000+ monthly on dining, travel, and entertainment.
Quick Links
Data last updated 11 Aug 2026
Calculate your exact earnings with RBL ICON Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
See CardCheck in your Google Search & AI results
Add as a preferred source to get our credit card updates first.