RBL Icon Visa Credit Card
RBL Bank
last updated: Nov 25, 2025
₹5,000
₹5,000
3.5%
6 visits/yr
Contents
A premium lifestyle credit card targeted at frequent spenders who value high reward rates, curated privileges and travel benefits. Offers strong rewards on dining and foreign spends, milestone bonuses and curated entertainment privileges. Suitable for users who can justify the higher annual fee through regular spends and redemptions.
Features of RBL Icon Visa Credit Card which makes it unique
Premium Weekend Privileges
Enhanced rewards and curated offers for weekend spends
Boosted returns on chosen categories
Better weekend rewards than many mid-tier cards
Milestone Gifts
Points or benefits on achieving annual spend thresholds
Meaningful redemption value at milestones
Competitive milestone rewards
Rewards Structure of RBL Icon Visa Credit Card
Dining
acceleratedRestaurants and dining merchants
High earn on dining and related spends
Travel
acceleratedForeign currency and travel bookings
Great for international travellers
Shopping
baseAll merchants
Standard earn on everyday spends
Fuel
baseFuel stations
Base earn applies
Milestones of RBL Icon Visa Credit Card
High Spend Milestone
₹8,00,000 : 20,000 reward points
Quarterly Milestone
₹50,000 per quarter : Bonus points or cashback (as per current offers)
Fees & Charges of RBL Icon Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹5,000 |
| Annual Fee | ₹5,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | 0% |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee may be waived or reduced on meeting specified annual spend thresholds; see issuer T&Cs.
Fee Explanation Fees shown are typical charges; final fees and GST as per RBL Bank fee schedule and T&Cs. | Late payment fee details: Up to ₹1,300 depending on outstanding (per issuer schedule)
Lounge Access Benefits with RBL Icon Visa Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Domestic lounge access as per card terms
international Lounges
silverVisits per year: 2
Guest access: Yes
International lounge visits via Priority Pass or partner network; check card T&Cs
Insurance Coverage with RBL Icon Visa Credit Card
Travel Insurance
Up to ₹10,00,000Coverage on international travel when travel is booked on the card; terms apply
Purchase Protection
Up to ₹50,000Covers eligible purchases within specified duration; see T&Cs
Additional Features of RBL Icon Visa Credit Card
Concierge Service
24x7 concierge for bookings and assistance
Subject to card privileges
Add-on Cards
Add-on cards available as per bank policy
Welcome Bonus with RBL Icon Visa Credit Card
Welcome Bonus: 20,000 Iconic Reward Points
Bonus Conditions: Welcome points credited after KYC completion and first eligible transaction; subject to T&C and minimum spend as per RBL T&Cs.
Application Process for RBL Icon Visa Credit Card
Processing Time
5-7 business days (typical card dispatch after approval)
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via RBL Bank or authorised partner portal
Complete KYC and upload required documents
Undergo verification and receive approval communication
Card dispatched (typical dispatch 5-7 business days after approval)
Required Documents for RBL Icon Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
RBL Icon Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide acceptance across India
International Acceptance
Accepted globally on Visa network
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Icon Visa Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN and Aadhaar required for KYC; eligibility subject to bank verification.
How Approval Is Decided
- Minimum income as specified (salaried/self-employed)
- Indian resident with valid KYC documents
- Credit score and internal bank checks
Pros of RBL Icon Visa Credit Card
- Strong dining and foreign spend rewards
- Premium lifestyle privileges and lounge access
- Meaningful milestone benefits
Cons of RBL Icon Visa Credit Card
- High joining and annual fee (₹5,000 + GST)
- Reward redemption fee applies
- Better suited to high spenders
Frequently Asked Questions about RBL Icon Visa Credit Card
Is there a joining fee?
Yes. The joining/annual fee is ₹5,000 + GST.
What is the welcome bonus?
20,000 Iconic Reward Points as a welcome benefit after meeting activation conditions.
How can I waive the annual fee?
Annual fee waiver or reduction depends on spending thresholds and promotions—refer to RBL’s T&Cs.
What is the foreign currency markup?
Foreign currency transactions attract a markup (typically around 3.5%).
How are reward points redeemed?
Reward points can be redeemed via RBL Rewards portal for travel, merchandise or transfers — redemption fee may apply.
What documents are required to apply?
PAN, Aadhaar, proof of income (for salaried/self-employed) and address proof as per bank requirements.
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