RBL Bank Icon Credit Card

Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.

• Rewards rate: 0.6% base rate
• Domestic lounge access: 2 complimentary domestic lounge visits per quarter on min. ₹35,000 spend in the preceding quarter
• International lounge access: Priority Pass membership to 1,400+ international lounges; each visit chargeable up to $35
• Insurance benefits: Travel and purchase protection insurance cover

• 🍽️ Dining & food delivery

  6% reward rate (capped ₹600/monthly)

• ✈️ Travel

  6% reward rate (capped ₹600/monthly) · 2 complimentary domestic lounge visits per quarter on ₹35,000+ spend in the previous quarter; Priority Pass access to 1,400+ international lounges, each visit chargeable up to $35

• 🛡️ Insurance

  Travel and purchase protection insurance cover

• 🌍 Forex / international spend

  2% forex markup on international transactions

• Minimum credit score: 750
• Minimum monthly income: ₹70,000
• Employment: salaried, self-employed
• Age: 21–65

• Rewards redemption fee: ₹99 + GST per redemption request
• Foreign currency markup: 2%
• Interest rate: 42% p.a.
• Cash advance charges: 2.5% of the amount withdrawn, subject to a minimum of ₹500 per transaction

• 20,000 bonus reward points on first use within 30 days and payment of the annual fee
• 2 complimentary domestic lounge visits per quarter on ₹35,000+ spend in the previous quarter; Priority Pass access to 1,400+ international lounges, each visit chargeable up to $35
• Travel and purchase protection insurance cover
• 10,000 points at ₹3 lakh annual spend, +15,000 at ₹5 lakh, +20,000 at ₹8 lakh