RBL Bank Insignia Preferred Banking Credit Card
5.0/5.0
Updated on August 30, 2026
🎖️Reward Rate
Reward Points Crediting: Credited within 45 days from the settlement date of eligible retail transactions
Overview
RBL Bank Insignia Preferred Banking Credit Card by RBL Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
Reward Points Crediting: Credited within 45 days from the settlement date of eligible retail transactions
Redemption
Redemption Options: Not separately detailed on the captured Product Benefits/Fees pages beyond the milestone/welcome vouchers
Benefits
- Extra Lounge Visit Charge: Charged up to $35 for any subsequent lounge visits beyond the complimentary ones
- Fuel Surcharge Waiver: 1% surcharge waiver on fuel transactions between ₹500 and ₹4,000
- maximum fuel surcharge waiver up to ₹500 per month
- Dining Privileges (EazyDiner): 25% to 50% discount, 1+1 Buffet privileges, and priority booking powered by EazyDiner Prime at a curated selection of premium restaurants
- Golf Privileges: 4 complimentary green fee rounds/year + 1 lesson/month
- 50% discounted green fee beyond 4 rounds
- booking via MasterCard World Card Golf helpline (7 days advance notice)
- complimentary only for Mastercard holders
- World Class Concierge: Car Rental & Limousine Referral, Flower and Gift Delivery Assistance, Spa/Fitness/Sports Centre Referral, Global Events and Performance Assistance & Business Services, Overseas Education Assistance
Things to Know Before you apply
RBL Bank Insignia Preferred Banking Credit Card Eligibility Criteria
- Age: 21–65 years
- Eligibility — Income: Not shown on the pages captured
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹7,000 |
| Annual Fee | ₹7,000 |
| Foreign Currency Mark-up Fee | 1.5% |
| Cash Advance Fee | Cash Advance Fee: Not shown on the pages captured |
PaisaSimple Review
Overall Rating
5.0/5Pros
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
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Fee Details
Joining Fee
₹7,000
Annual/Renewal Fee
₹7,000
Joining Fee
₹499
Annual/Renewal Fee
₹499
Joining Fee
₹499
Annual/Renewal Fee
₹499
Welcome Benefit
—
- • Welcome Benefit: 500 joining bonus reward points on spend of ₹5,000 or more within 60 days of card issuance
- • Complimentary welcome voucher worth ₹500 from premium retail partners upon completion of first transaction within 30 days.
- • Qualification Criteria: First card swipe within 30 days of issuance
- • Fulfillment Timeline: Dispatched via SMS within 45 days
Reward/Cashback Rate
- • Reward Points Crediting: Credited within 45 days from the settlement date of eligible retail transactions
- • Reward Rate — HPCL Fuel/LPG: Up to 5% Savings (24 Reward Points per ₹150 = 4% Savings + 1% Fuel Surcharge Waived) on fuel purchases at HPCL retail outlets, LPG purchases & via HP Pay App
- • Reward Rate — Groceries/Departmental/Utility: Up to 2% Savings (10 Reward Points per ₹150) on utility & departmental stores
- • Reward Rate — Other Categories: 2 Reward Points for every ₹150 spent on other categories
- • Reward Rate — Fuel-Outlet Restriction: Accelerated Reward Points and Fuel Surcharge Waiver benefits are provided only on fuel transactions done at eligible HPCL fuel outlets
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Accelerated Rewards: Earn 6 Reward Points per ₹100 spent on International purchases (4X Accelerated Earning)
- • Excluded Categories: Fuel purchases
- • Wallet loads
- • EMI transactions
- • Government payments
Pros
- • Base Rewards: 5 Reward Points per ₹100 (5 Reward Points per ₹100 spent on all domestic retail purchases)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
—
- • Base Rewards: 1.5 Reward Points per ₹100 (1.5 Reward Points per ₹100 on domestic retail transactions)
- • Forex markup rate of 1.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹7000
- • Reward exclusion on fuel purchases and wallet load transactions
—
- • Annual renewal fee of ₹499
- • Reward exclusion on fuel purchases and wallet load transactions