Super-Premium & Preferred Banking

RBL Insignia Preferred Banking Credit Card Review

Item: RBL Insignia Preferred Banking Credit Card
Rating: 4.4
Author: Dillip Babu

RBL's flagship invite-led card for Insignia Preferred Banking relationships, built around concierge, golf and global lounge access.

₹7,000 + GSTAnnual fee

4.4/5Editorial rating

Mastercard WorldNetwork

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At a glance

Quick facts

₹7,000 + GST (Nil for Insignia Preferred Banking customers)Joining fee

₹7,000 + GST (waived on ₹10 lakh annual spend, or Nil for Insignia Preferred Banking customers)Annual fee

Insignia Preferred Banking relationship customers seeking premium travel perksBest for

1.5%Forex mark-up

Largely invite-only for RBL's high-net-worth Insignia Preferred Banking relationship customers.

Cost & earn rate

Fees and reward rates

28,000 bonus reward points credited within 60 days of the first retail transaction (not applicable for existing Insignia Banking customers).

Fees & charges
Charge	Amount
Joining fee	₹7,000 + GST (Nil for Insignia Banking customers)
Annual fee	₹7,000 + GST (waived on ₹10 lakh spend)
Reward redemption fee	Nil
Cash withdrawal fee	2.5% of amount, min ₹500
Foreign currency mark-up	1.5%

Reward rate by category
Spend category	Reward rate
Domestic transactions	5 reward points per ₹100 spent
International transactions	10 reward points per ₹100 spent

Vouchers worth ₹8,000 from Amazon, Myntra, Croma, MakeMyTrip or Taj Experiences on ₹8 lakh of spend in a membership year.

Card benefits

What else you get

Priority Pass membership with 6 complimentary international lounge visits a year, shareable with guests.

2 complimentary domestic lounge visits every calendar quarter.

Flat ₹500 off BookMyShow movie tickets, twice a month.

4 complimentary golf rounds a year plus one lesson a month (Mastercard variant).

24x7 dedicated concierge desk for bookings, reservations and travel assistance.

1% fuel surcharge waiver up to ₹250 a month.

Our take

Verdict

What works

One of RBL's strongest lounge and golf benefit packages
No redemption fee on reward points, unlike most other RBL cards
Dedicated concierge for travel and dining bookings
Fee fully waived for existing Insignia Preferred Banking customers

What to watch for

Largely invite-only — hard to apply for without an existing RBL relationship
₹7,000 + GST fee is steep for non-Insignia applicants
Milestone voucher threshold of ₹8 lakh is high for most spenders

Common questions

FAQs

Who can apply for the RBL Insignia Credit Card?

It's primarily issued to RBL Insignia Preferred Banking clients who maintain a total relationship value of ₹30 lakh or an average monthly current account balance of ₹10 lakh; others can be issued the card for ₹7,000 + GST a year.

How many lounge visits does the card offer?

Cardholders get 2 complimentary domestic lounge visits every calendar quarter plus 6 international visits a year through a complimentary Priority Pass membership.

Is the annual fee really waived for everyone?

No — it's automatically zero for existing Insignia Preferred Banking customers, while other applicants pay ₹7,000 + GST unless they spend ₹10 lakh in a membership year.

Does the card charge a reward redemption fee?

No, Insignia and Insignia Prime are the only RBL cards exempt from the standard ₹99 + GST redemption fee.

What golf benefits come with this card?

Mastercard variant holders get 4 complimentary green-fee rounds a year and one golf lesson a month at partner courses, with a 50% discount on rounds beyond that.

Compare more RBL Bank cards

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