At a Glance
Key Benefits
4% cashback on flights/hotels/shopping, 1% on other spends (capped Rs.1,500/month), Rs.6K milestone rewards
Lounge Access
2 domestic visits per quarter (8/year) + 2 international Priority Pass visits per year
Eligibility
Exclusive for RBL Signature Banking customers. Annual fee Rs.2,500 waived for account holders
Quick Details
Reward Structure
All Spends
Flights, Hotels, Shopping
Reward Calculator
Milestone Benefits
Rs.2,000 cashback on spending Rs.4 lakh within membership year
Spend ₹4,00,000 within 365 days
value
Additional Rs.4,000 cashback on spending Rs.6 lakh within membership year
Spend ₹6,00,000 within 365 days
value
Airport Lounge Access
visits per quarter
visits per year
Insurance Coverage
Air Accident
₹10,00,000
Air accident insurance coverage for cardholders
Lost Card
₹50,000
Lost card liability protection up to Rs.50,000
Lifestyle Perks
Movies
1 /month
Buy 1 Get 1 movie tickets on BookMyShow with purchase of 2 or more tickets (up to Rs.250)
Dining
1
Signature Banking relationship benefits including premium banking services
Quick Analysis
The RBL Signature Banking Credit Card is an excellent lifetime-free premium cashback card exclusively for Signature Banking customers. It offers competitive 4% unlimited cashback on travel and shopping, 1% on other spends (capped at Rs.1,500/month), milestone rewards up to Rs.6,000 annually, quarterly domestic lounge access, and monthly BookMyShow benefits. The card provides solid value for RBL Signature Banking account holders who maintain the relationship. However, the 3.5% forex markup, limited international lounge access, and monthly cashback caps make it less ideal as a primary travel card.
Pros
- Lifetime free for Signature Banking customers
- 4% unlimited cashback on flights, hotels, and shopping
- 1% cashback on all other purchases (up to Rs.1,500/month)
- Rs.2,000 cashback on Rs.4 lakh annual spend
- Additional Rs.4,000 cashback on Rs.6 lakh annual spend
- Total potential Rs.6,000 milestone cashback annually
- 2 domestic lounge visits per quarter (8 per year)
- 2 international Priority Pass visits annually
- Buy 1 Get 1 movie tickets monthly on BookMyShow (up to Rs.250)
- Cashback credited directly to RBL savings account
- Annual fee Rs.2,500 waived for account holders
- Priority banking relationship benefits
Cons
- Exclusive to Signature Banking customers only
- Rs.2,500 annual fee for non-Signature customers
- 1% cashback capped at Rs.1,500 per billing month
- Limited international lounge access (2 visits/year)
- High forex markup of 3.5% (not ideal for travel)
- Very high APR of 47.88% annually (3.99% monthly)
- Cashback redemption fee of Rs.99 + GST
- Cashback expires if not redeemed within 3 months
- No cashback on groceries, dining, fuel, utilities
- No cashback on wallet loads, government payments
- Requires maintaining Signature Banking relationship
- Limited insurance coverage details available
Best For
RBL Signature Banking customers, cashback seekers, domestic travelers, frequent shoppers
Not Ideal For
Non-RBL customers, international travelers, those seeking unlimited lounge access, general rewards seekers
Frequently Asked Questions
Who is eligible for the RBL Signature Banking Credit Card?
What are the fees for this card?
How much cashback do I earn?
What are the milestone benefits?
What lounge access benefits does the card provide?
Are there any redemption fees for cashback?
User Reviews
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