RBL Bank Icon Credit Card

Annual fee

₹5,000 + GST

Joining fee

₹0NIL

Add-on card fee

₹200.

Welcome benefit

Get 20,000 bonus reward points as welcome benefit. · Avail the welcome benefit in two simple steps: Step 1: Swipe and use your card within 30 days of card issuance. · Step 2: Pay the annual membership fee by the payment due date.

Reward rate

2 reward points per ₹100 · everyday spends2 reward points for every ₹100 spent.

Reward earning on dining spends

20 reward points for every ₹100 spent on International purchases and weekend dining spends.

Reward earning on international spends

20 reward points for every ₹100 spent on International purchases.

Reward exclusions

Base reward points will not be accrued on EMI conversion of retail transactions.

Reward caps

Maximum 2,000 reward points per month each for International purchases and weekend dining spends

Voucher and product redemption

Redeem your reward points for air travel, hotel stays, shopping vouchers.

International lounge access

Access to 1,400+ international airport lounges; each visit will be chargeable, up to $35 per person

Domestic lounge access

Primary cardmembers will be eligible for 2 complimentary airport lounge accesses within India in a quarter if they spend ₹35,000 or more in the previous calendar quarter.

Golf

Complimentary golf rounds and a discount on green fees.

Concierge

Concierge Services: Golf Course, Car Rental and Limousine, Hotel Referral and Reservation Assistance.

Milestone benefits

10,000 reward points on spends of ₹3 lakhs in a year, an additional 15,000 reward points on spends of ₹5 lakhs, an additional 20,000 reward points on spends of ₹8 lakhs.

Movie or entertainment ticket benefit

1+1 movie ticket on BookMyShow, up to ₹200, twice a month

Fuel surcharge waiver

Enjoy 1% fuel surcharge waiver across all fuel stations.

Surcharge on railway tickets

IRCTC Service Charges + Payment Gateway transaction charges (up to 1.8% of ticket amount + IRCTC service charges) as levied by Merchant Bank and IRCTC

Dynamic currency conversion markup

Markup Charges 3.5% on all cards for Foreign Currency Transaction/Dynamic & Static Conversion Transactions.

Forex markup

3.5% on foreign currency transactions.

Cash advance fee

2.5% of the Cash Amount withdrawal (min. ₹500)

Cash advance interest

Finance Charges for both Revolving Credit & Cash Advances upto 3.99% p.m. (upto 47.88% p.a.)

Cash withdrawal limit

Cash Withdrawal Limits are the maximum assigned limits communicated at the time of delivery of the Credit Card and are also indicated on the monthly statements

Interest on unpaid balance

Upto 3.99% p.m. (upto 47.88% p.a.)

Interest-free period

Up to 50 days

Late payment fee

12.5% of Total Outstanding Amount, late payment fees ranges from ₹5 - ₹1,300.

Over-limit fee

Overlimit fee NIL

Payment return or dishonour fee

₹500 for all RBL Bank Credit Cards: Cheque Return/ Dishonour Fee, Auto Debit Reversal-Bank Account out of Funds.

Statement or duplicate statement fee

Duplicate Statement Fee NIL

Card replacement fee

NIL, unless mentioned otherwise

Cash payment / cash deposit fee

Cash Payment at RBL Bank Branches ₹100.

Education / school fee charge

1% fee will be charged on Education Payments made through third-party applications.

EMI conversion fee

Merchant EMI processing fee of 1.5% of the amount or ₹150/- (whichever is higher) will be levied for merchant EMIs.

Foreign ATM fee

2.5% of the cash amount withdrawn (Minimum ₹500/-); the Cardmember can use the Credit Card to withdraw cash from any ATMs in India and/or overseas in accordance with the compatibility of the Credit Card at the said ATM(s)

Reward redemption fee

Reward redemption fee of ₹99 + GST

Fuel transaction fee

1% fee will be charged on each fuel and auto transaction exceeding ₹10,000 subject to a maximum of ₹3000 per transaction

Rent transaction fee

1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant.

Utility transaction fee

1% fee will be charged on aggregate utility spends of more than ₹50,000 per month per Card.

GST note

GST shall be applicable as per the rate prescribed under GST laws from time to time; currently, standard rate of 18% will be levied on all Fees & charges under this MITC

Grace days after the due date

Grace period of 3 days from the payment due date is provided for Card Accounts, where payments are not overdue.

Minimum amount due

Total GST + Current month EMI Debits + [Max of (100% of Fee/ Charges + 5% of (Retail Spends, Cash Advance, Interest)) or ₹200] + previously unpaid MAD (if any) + Overlimit Utilization Amount (if any)