Icon Credit Card
A reward points card: 2 points per ₹100, 20 per ₹100 on international spends and weekend dining (up to 2,000 points a month each), up to 45,000 milestone points a year, golf and concierge; RBL does not publish a rupee value for its points. Every figure below is copied from RBL Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Not on record from an official document: rupee value of a reward point. CardWise does not estimate these.
Fees and charges
| Joining fee | ₹5,000 plus GST MITC |
|---|---|
| Annual fee | ₹5,000 plus GST MITC |
| Annual fee waiver | None on record |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| RBL's key fact statement gives the joining fee as NIL and charges an annual membership fee of ₹5,000 in the first year and each year after; the first-year fee is shown here as the joining fee. No spend-based fee waiver is published. | |
| Reward redemption fee | ₹99 plus GST Product page |
Rewards
Reward points (rupee value not on record).
| Spend | Earns | Cap |
|---|---|---|
| International spends (20 points per ₹100, up to 2,000 points a month) | 20 points per ₹100 Product page | up to 2,000 points a statement cycle Product page |
| Other eligible spends (2 points per ₹100) | 2 points per ₹100 Product page | no cap on record |
Weekend dining also earns 20 points per ₹100 (up to 2,000 points a month), but CardWise does not split dining by day of week, so dining is valued at the base rate. RBL defines a month as a billing cycle. RBL publishes no rupee value for a reward point on this card, so its rewards cannot be priced.
No rewards on
- Railways and rent (also MCC 5960, direct-marketing insurance) Terms
Benefits
- Lounges: 2 domestic airport lounge visits a quarter for the primary cardholder; lounges abroad are chargeable (up to $35 a visit) — ₹35,000 of eligible spend in the previous calendar quarter Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹200 a month Terms
- Welcome: 20,000 bonus reward points after a transaction within 30 days and payment of the first annual fee Product page
- Milestone: 10,000 points on ₹3 lakh of spend in a membership year Product page
- Milestone: 15,000 more points on ₹5 lakh in a membership year Product page
- Milestone: 20,000 more points on ₹8 lakh in a membership year Product page
Also on this card
Quoted from RBL Bank; not counted in the net value.
- 20 points per ₹100 on weekend dining, up to 2,000 points a month Product page
- Golf (Mastercard variant): 4 complimentary green-fee rounds a year, a lesson a month, 50% off further green fees Terms
- Buy-one-get-one on BookMyShow up to ₹200, twice a month Product page
- Concierge for golf, car rental, hotel, dining and event bookings Product page
- Up to 45,000 milestone points a year on ₹3 lakh, ₹5 lakh and ₹8 lakh of spend Terms
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by RBL Bank in the documents read
- the rupee value of a reward point (no per-point rate is published for this card; the headline 6% value back is not broken down)
- eligibility criteria
- a RuPay variant for UPI
- a spend-based annual fee waiver
The quotes behind the figures
27 figures, each copied from an official RBL Bank document.
Show every quote and source
“Icon INR 5,000 INR 5,000 INR 200”
“Currently, standard rate of 18% will be levied on all Fees & charges under this MITC.”
“3.5% on all cards 2% on NovaTM Credit Card”
“Get 20 reward points for every INR 100 spent on International purchases and weekend dining spends. Maximum 2,000 reward points per month each for International purchases and weekend dining spends.”
“capped to 2000 reward points per month on each category, beyond which the cardmember will earn 2 reward points per INR 100 spent on International Purchases & Weekend Dining.”
“It is clarified that `one month' is defined as one billing cycle assigned to the Card.”
“Avail 2 reward points for every INR 100 spent.”
“It is further clarified that transactions made on Railways, Rental, Miscellaneous payments will not be eligible to earn Reward points.”
“Annual Membership Fee: INR 5,000 + GST”
“Joining Fee NIL for Primary & Add-on Cardmember”
“Avail access to 1,400+ international airport lounges using your RBL Bank Icon Credit Card. Each visit will be chargeable, up to $35 per person.”
“Golf Concierge complimentary only for MasterCard holders.”
“Your RBL Bank Credit Card Network Availability Guide Credit Card Variant MasterCard RuPay Visa”
“6% Value Back on Weekend Dining, International Purchases”
“Reward redemption fee of INR 99 + GST is applicable on the redemption of your available reward points earned on RBL Bank Credit Cards.”
“Primary cardmembers will be eligible for 2 complimentary airport lounge accesses within India in a quarter if they spend INR 35,000 or more in the previous calendar quarter.”
“Cardmembers will receive 1% fuel surcharge waiver, up to INR 200 per month, on fuel transactions ranging between INR 500 and INR 4,000 made using the Icon Credit Card.”
“Get 20,000 bonus reward points as welcome benefit.”
“Earn 10,000 reward points on spends of INR 3 lakhs in a year.”
“Get an additional 15,000 reward points on spends of INR 5 lakhs in a year.”
“Get an additional 20,000 reward points on spends of INR 8 lakhs in a year.”
“Get 4 complimentary rounds of green fee in a year and one golf lesson each month”
“Avail 1+1 movie ticket on BookMyShow, up to INR 200, twice a month.”
“For any kind of booking, please ask for the Concierge Desk by calling our Customer Services at 022 6232 7777 .”
“The Cardmember can avail up to 45,000 reward points under the `milestone benefits'.”
“Golf & Concierge Benefits worth 9X of Annual Fee Apply Now”
“Icon Credit Card ✔ - ✔”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with RBL Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is RBL Bank’s own file from its website, unaltered, fetched 2026-10-16. Methodology