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RBL Bank
RBL Bank Insignia Preferred Banking Credit Card
Mastercard
RBL Bank Insignia Preferred Banking Credit Card
RBL's flagship super-premium Mastercard, free for RBL Insignia Preferred Banking relationship customers (large average balance requirement) or available standalone for Rs 7,000/year with a Rs 10L spend waiver. Strong lounge, concierge and golf benefits.
Rates and fees last verified 14 September 2026.
Annual fee
₹7,000
Joining fee
₹7,000
Reward type
points
Base reward rate
5%
Card network
Mastercard
Card tier
Premium
Reward rates by category
- Travel10%
Eligibility
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- Priority Pass membership (6 complimentary international lounge visits/year) plus 2 complimentary domestic lounge visits every quarter
- 24x7 World Class Concierge services
- EazyDiner Prime dining privileges and premium hotel benefits (room upgrades, late checkout, breakfast for two)
- 4 complimentary golf rounds and 12 complimentary lessons a year
- Vouchers worth Rs 8,000 on spends of Rs 8 lakh in a membership year
- 1% fuel surcharge waiver on Rs 500-4,000 transactions, capped at Rs 250/month
Pros
- + Fee-free for Preferred Banking relationship customers
- + Low 1.5% forex markup
- + Strong lounge, concierge and golf benefits
Cons
- − Fee-free tier requires a large banking relationship (~Rs 10L average balance)
- − Rs 7,000 fee is steep for a standalone applicant
- − No published income threshold — largely relationship-driven approval
Applying takes you to RBL Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.