RBL Bank Insignia Preferred Banking Card

Not rated yet - COFFER rates a card only after reading every document the bank publishes for it. How we rate

Open to new applications · Earns reward points

Annual fee

₹7,000 + GST

What it gives back

5 reward points per ₹100 · everyday spends

Read from 5 RBL Bank documents, last checked 1 Nov 2026.

How it compares

Compared with the cards we have read

₹7,000 annual fee: of the 401 other open cards whose annual fee we have read, 378 state a lower one and 23 state a higher one.

1.5% forex markup: of the 441 other open cards whose forex markup we have read, 45 state a lower one, 3 state the same and 393 state a higher one.

Fees

Annual fee
₹7,000 + GST
Fee waiver rule
Annual membership fee of subsequent year is waiver off on spending ₹10 lacs in a membership year.
Add-on card fee
Add-on Card Fee ₹0-5,000 per Add-on Cardmember

Welcome offer

Rewards

Reward rate
5 reward points per ₹100 · everyday spends5 reward points for every ₹100 spent on domestic transactions.
Reward earning on international spends
10 reward points for every ₹100 spent on international transactions.
Reward exclusions
Base reward points will not be accrued on EMI conversion of retail transactions for all RBL Bank Credit Cards.

Charges

Forex markup
Forex markup of only 1.5%
Cash advance fee
2.5% of the cash amount withdrawn, minimum ₹500
Interest on unpaid balance
3.4% per month or 40.8% per annum.
Interest-free period
Up to 50 days
Late payment fee
12.5% of the total outstanding amount, ranging from ₹5 to ₹1,300.