RBL Insignia Preferred Credit Card
4 from 235 Users
4 from 235 Users
Earn accelerated reward points
with 5 points per ₹100 on domestic spends and 10 points per ₹100 on international spends.
Get 28,000 bonus reward points
as welcome benefit after card usage and fee payment within 30 days.
Shopping
Dining
Joining Fees
₹0 ( ₹0 + GST )
N/A
Annual Fees
₹8,260 ( ₹7000 + GST )
1000000
Age Criteria
21-60 years
Salary Criteria
N/A LPA
Credit Rating*
710+
See if you are eligible for this card
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
N/A
To check redemption catalogue
All Benefits
• Earn 5 reward points for every ₹100 spent on domestic transactions.
• Earn 10 reward points for every ₹100 spent on international transactions.
• 2X reward points on international spends.
• Unlock ₹8,000 worth of vouchers on spending ₹8 lakhs in a membership year.
• Get 15% discount on wellness programs from Weljii.
• Free health score assessment worth ₹1,999 and 10% discount on Dietician Support packages.
• 10% discount on consultations and plans from nutritionist Vasundhara Agrawal.
• Luxury hotel benefits at 2400+ premium hotels including Marriott, Accor, IHG, Mandarin Oriental, Shangri-La and more. Benefits include early check-in, late check-out, complimentary room upgrade, complimentary breakfast for two, hotel/dining credit, and welcome amenity
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
N/A
For Spends Waiver
N/A
| Structure | Details |
|---|---|
Forex Markups   1.5% Forex Markups are charged when you use your credit card for transactions in any currency other than INR. This fee applies if you shop on international e-commerce websites that bill in foreign currency or if you make a payment outside India using a POS terminal. The table below shows how much 1.5% markup adds to common transaction amounts:
| 1.5% |
APR Fees 3.4% Monthly Fee. Credit cards offer an interest-free period ranging from 20 to 55 days. However, if you miss the payment due date, the bank will start charging interest on the outstanding amount. To avoid high interest accumulation over time, it's smart to convert large purchases into EMIs. Typically, banks charge around 16% p.a. on EMIs. But if you miss EMI payments too, the annual interest can go up to 42% | 3.4% |
ATM Withdrawl 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable) | 2.5% |
Reward Redemption Fees A reward redemption fee of ₹99 is charged for each redemption | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1.8% is applied to transactions made for booking railway tickets | 1.8% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
Cheque Payment Fees Dishonour Fee Auto Debit Reversal-Bank Account out of Funds INR 500 for all RBL Bank Credit Cards | N/A |
Cash Payment Fees ₹100 cash payment fee per deposit | ₹100 |
| Late Payment Fees Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared | Amount Due |
|---|---|
| ₹0 - ₹500 | ₹0 |
| ₹501 - ₹5,000 | ₹500 |
| ₹5,001 - ₹10,000 | ₹700 |
| ₹10,001 - ₹25,000 | ₹950 |
| ₹25,001 - ₹50,000 | ₹1,100 |
| ₹50,000 and above | ₹1,250 |
TOP USPs
Earn accelerated reward points
with 5 points per ₹100 on domestic spends and 10 points per ₹100 on international spends.
Get 28,000 bonus reward points
as welcome benefit after card usage and fee payment within 30 days.
Apply Now