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Icon Credit Card

RBL Bank
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Dining Lifestyle Lounge Access Premium Rewards Travel

Annual Fee

₹5,000

Rewards/₹100 ⓘ

₹0.50 - ₹5.00

Normalized to balance base rate with bonus categories

Interest Rate

47.88%

Credit Score

750+

At a Glance

Key Benefits

10X rewards on weekend dining & international, 12 golf lessons/year, 1+1 movies 2x/month, Rs.200 fuel waiver/month

Lounge Access

2 domestic visits per quarter (on Rs.35K+ quarterly spend) + 1,400+ Priority Pass lounges at $35/visit

Eligibility

Age: 21-65 years, Monthly income: Rs.25,000+, CIBIL score: 750+

Quick Details

Annual Fee
₹5,000 #266
Joining Fee
₹5,000 #263
Interest Rate
47.88% p.a. #267
Forex Markup
3.50% #75
Rewards/₹100
₹0.50 - ₹5.00 #49
Reward Type Reward Points
Reward Currency Points
Domestic Lounge Visits
2/year #92
Min Credit Score
750+ #186
Min Monthly Income ₹NaN
Network MASTERCARD
Card Replacement Fee 100
Late Payment Fee ₹750
Over Limit Fee 2.50%
Cash Advance Fee 2.50% (min ₹500)
Card Replacement Fee ₹100

Reward Structure

Base

All Spends

₹0.50 /₹100
Cat

International

₹5.00 /₹100
Cat

Weekend Dining

₹5.00 /₹100

Reward Calculator

₹
Allocate by Category100%
International
20.0 pts
50%₹25,000
Weekend Dining
20.0 pts
30%₹15,000
Other Spends
2.0 pts
20%₹10,000
Your Rewards
Points Earned1,000
Cash Value₹250
Breakdown
International400
Weekend Dining400
Other Spends200
Total Value₹250
Quick amounts:

Milestone Benefits

Welcome Bonus

20,000 bonus reward points (worth Rs.5,000) on first card swipe within 30 days and annual fee payment

₹5,000

value

Milestone

10,000 reward points (worth Rs.2,500) on annual spend of Rs.3 lakh

Spend ₹3,00,000 within 365 days

₹2,500

value

Milestone

Additional 15,000 reward points (worth Rs.3,750) on annual spend of Rs.5 lakh

Spend ₹5,00,000 within 365 days

₹3,750

value

Milestone

Additional 20,000 reward points (worth Rs.5,000) on annual spend of Rs.8 lakh

Spend ₹8,00,000 within 365 days

₹5,000

value

Airport Lounge Access

Domestic Free
2

visits per quarter

Spend Rs.35,000 or more in previous calendar quarter (effective July 1, 2025)

Priority Pass
0

visits

Access to 1,400+ international lounges at USD 35 per visit

Insurance Coverage

Travel

₹5,00,000

Travel insurance for trip delays, cancellations, and medical emergencies during domestic and international travel

Flight Delay

₹50,000

Compensation for extended delays in scheduled flight departures

Baggage Loss

₹1,00,000

Protection against financial losses due to misplaced or delayed luggage

Emergency Medical

₹2,50,000

Medical emergency coverage for expenses incurred during international travel

Lost Card

₹50,000

Lost card liability protection

Lifestyle Perks

Concierge

1

24/7 concierge services for travel planning, golf reservations, car rentals, hotel bookings, dining recommendations, event ticketing, and spa information

Golf

12 /year

Up to 12 complimentary golf lessons per year (maximum 1 per month) + 4 complimentary rounds of green fee annually

Golf

50.00% off

50% discount on green fee beyond the 4 complimentary rounds

Movies

2 /month

1+1 movie ticket on BookMyShow with discount up to Rs.200, twice per month

Fuel

1 /month

Fuel surcharge waiver of Rs.200 per month on fuel purchases worth Rs.500-Rs.4,000

Quick Analysis

The RBL Icon Credit Card is a premium lifestyle card ideal for those who frequently dine on weekends and make international transactions. With 10X rewards on these categories and excellent golf benefits, it rewards specific spending patterns generously. However, the Rs.5,000 annual fee and spend-based lounge access make it suitable only for users who can maximize category bonuses.

Pros

  • 20,000 welcome bonus reward points (Rs.5,000 value)
  • 20 reward points per Rs.100 on international & weekend dining (5% return)
  • 45,000 milestone bonus points per year (worth Rs.11,250)
  • 2 domestic lounge visits per quarter (8 per year)
  • 1,400+ international lounges via Priority Pass
  • 12 complimentary golf lessons annually (1 per month)
  • 4 complimentary golf rounds + 50% off beyond 4 rounds
  • 1+1 BookMyShow movie tickets (up to Rs.200, twice monthly)
  • Rs.200/month fuel surcharge waiver
  • 24/7 concierge services
  • Comprehensive travel insurance coverage
  • Flight delay and lost baggage insurance

Cons

  • Rs.5,000 + GST joining and annual fee
  • Lounge access requires Rs.35,000 quarterly spend
  • 10X rewards capped at 2,000 points/month per category
  • High APR of 47.88% per annum
  • Forex markup of 3.5%
  • Rs.99 + GST reward redemption fee
  • Welcome bonus not equal to annual fee (only Rs.5,000 value)
  • International lounge access charged at $35 per visit
  • Limited reward rate on base spends (2 points/Rs.100)
  • No annual fee waiver option available

Best For

Weekend diners, international travelers, golf enthusiasts, movie buffs

Not Ideal For

Those seeking fee waivers, base spending rewards, free lounge access

Frequently Asked Questions

What are the joining and annual fees for RBL Icon Credit Card?
The joining fee is Rs.5,000 + GST and the annual fee from the second year onwards is also Rs.5,000 + GST. There is no annual fee waiver option available.
What is the reward structure of the RBL Icon Credit Card?
You earn 2 reward points per Rs.100 on regular purchases and 20 reward points per Rs.100 on international transactions and weekend dining. The 10X rewards are capped at 2,000 points per month for each category (international and weekend dining). Each reward point is worth Rs.0.25.
What are the milestone benefits?
You receive 20,000 welcome bonus points (Rs.5,000 value) on first swipe within 30 days. Additionally, you can earn up to 45,000 milestone points: 10,000 points at Rs.3L spend, 15,000 points at Rs.5L spend, and 20,000 points at Rs.8L annual spend.
How many lounge visits do I get?
From July 1, 2025, you get 2 complimentary domestic lounge visits per quarter if you spend Rs.35,000 or more in the previous calendar quarter. You also get access to 1,400+ international lounges via Priority Pass at a fee of USD 35 per visit.
What golf benefits does the card offer?
The card provides up to 12 complimentary golf lessons per year (maximum 1 per month), 4 complimentary rounds of green fee annually, and 50% discount on green fee beyond these 4 rounds.
What movie benefits are available?
You can avail 1+1 movie ticket offer on BookMyShow with a discount up to Rs.200, available twice per month.
Is there a fuel surcharge waiver?
Yes, you get a fuel surcharge waiver of Rs.200 per month on fuel purchases worth Rs.500 to Rs.4,000 at all fuel stations across India.
What is the interest rate on the RBL Icon Credit Card?
The annual interest rate (APR) is up to 3.99% per month, which equals 47.88% per annum. The interest-free period is up to 50 days.
What is the forex markup fee?
The forex markup fee is 3.5% of the transaction amount for all international transactions.
What insurance coverage does the card provide?
The card offers comprehensive travel insurance including trip delays, cancellations, medical emergencies (up to Rs.2.5L), flight delay coverage (up to Rs.50K), lost baggage insurance (up to Rs.1L), and lost card liability protection (up to Rs.50K).
Who is eligible to apply for this card?
Applicants should be between 21-65 years old with a minimum monthly income of Rs.25,000 and a credit score of 750 or above. Both salaried and self-employed individuals can apply.
Is there a fee for redeeming reward points?
Yes, there is a reward redemption fee of Rs.99 + GST, which is charged one time for all redemptions made in a single day.

User Reviews

Our Rating

3.6
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on RBL Bank's website

Rating Breakdown

Rewards
3.6/5 Top 35%
Benefits
4.8/5 Top 9%
Fees
2.4/5 Top 88%
Value for Money
4.2/5 Top 9%
User Reviews
3.0/5 Top 50%

Important Links

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