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RBL Bank Insignia Preferred Banking Credit Card
RBL Bank
Joining Fee₹12,500Renewal Fee₹12,500Waived at ₹10,00,000 annual spend
Last verified: 26 Sept 2026
Reward Program
RBL Bank Reward Points1 point = ₹0.25
| Category | Earn Rate | Monthly Cap |
|---|---|---|
International spends | 2.5% | No cap |
| All other spends | 1.25% | No cap |
Redemption fee: 0
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Managed via RBL Rewards
Transfer partners
Redemption through the RBL Rewards portal — vouchers, catalogue and statement credit. RBL's own working figure is 1 Reward Point = ₹0.25.A redemption fee of ₹99 plus GST applies per request on most RBL cards.
Live Offers
53 activeSalvatore Ferragamo15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at Salvatore
15% offTill 31 Mar
Diesel15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at Diesel
15% offTill 31 Mar
TUMI15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at TUMI
15% offTill 31 Mar
Hugo Boss15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at Hugo Boss
15% offTill 31 Mar
La Martina15% Instant Discount up to ₹15,000 with Insignia, Nova & LUMIÈRE credit cards at La Martin
15% offTill 31 Mar
Benefits
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Lounge Access
999 domestic visits/quarter
999 international visits/quarter
Access to over 400 international airport lounges worldwide, plus domestic lounge access. The uploaded page does not cap the visit count.
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Fuel Surcharge Waiver
1% fuel surcharge waiver, capped per the card's own monthly limit. Fuel itself earns NO Reward Points — RBL excludes Fuel & Auto from earning — and a 1% fee applies to fuel transactions above ₹10,000.
Milestone Benefits
Spend ₹8,00,000/yearVouchers worth ₹8,000 from Amazon, Myntra, Croma and other brands₹8,000 total by this tier · 1.00% effective rate
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹12,500/yr |
| Renewal Fee | ₹12,500/yr |
| Fee Waiver | Spend ₹10,00,000/year |
| Forex Markup | 1.5% |
| Interest Rate | 47.88% p.a. |
| Cash Advance Fee | 2.5% of the cash amount, subject to a minimum of ₹500. |
| Reward Redemption Fee | 0 |
