RBL Insignia Preferred Banking Mastercard Credit Card
RBL Bank
last updated: Nov 26, 2025
₹7,000
₹7,000
1.5%
14 visits/yr
Contents
The RBL Insignia Preferred Banking Mastercard is an affluent-tier card for Insignia customers offering curated, high-value rewards, generous lounge access and milestone benefits. It favours premium travel and lifestyle spends, with enhanced international rewards and a low forex markup. Card issuance and benefits are managed through RBL’s Preferred Banking channels and Relationship Managers.
Features of RBL Insignia Preferred Banking Mastercard Credit Card which makes it unique
Curated Rewards
Tailored, high-value rewards and lifestyle benefits for preferred customers
Better redemptions and premium offers
Positioned above regular RBL credit cards
Priority Pass Membership
International lounge access via Priority Pass
Travel comfort and convenience
Higher lounge allowance than many non-affluent cards
Rewards Structure of RBL Insignia Preferred Banking Mastercard Credit Card
Domestic Spend
baseAll domestic retail transactions
Standard domestic earn rate for Insignia Preferred Banking card.
International Spend
baseAll international retail transactions
Higher earn on international spends; points credited per RBL rewards policy.
Base Reward
baseOther eligible spends as per T&C
Use RBL Rewards portal for redemption options and point valuation.
Milestones of RBL Insignia Preferred Banking Mastercard Credit Card
Annual Milestone
₹8,00,000 : Vouchers worth ₹8,000 from partner brands
Monthly Extra Lounge
₹1,00,000 (calendar month) : Additional international lounge visit voucher (issued via LoungeKey)
Fees & Charges of RBL Insignia Preferred Banking Mastercard Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹7,000 |
| Annual Fee | ₹7,000 |
| Forex Markup Fee | 1.5% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:Annual fee may be waived for qualifying Insignia Preferred Banking relationships or as per offers.
Fee Explanation Standard bank charges apply; some fees may be waived for Insignia Preferred Banking customers or under specific offers.
Lounge Access Benefits with RBL Insignia Preferred Banking Mastercard Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
2 complimentary domestic lounge visits per calendar quarter at participating lounges.
international Lounges
silverVisits per year: 6
Guest access: Yes
Priority Pass membership with 6 complimentary international visits per year; extra visits may be earned on high spends.
Insurance Coverage with RBL Insignia Preferred Banking Mastercard Credit Card
Travel Insurance
₹10,00,000Valid on international trips subject to T&Cs.
Purchase Protection
₹50,000Covers eligible purchases within specified period as per policy.
Additional Features of RBL Insignia Preferred Banking Mastercard Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available for family members (subject to Preferred Banking rules)
Welcome Bonus with RBL Insignia Preferred Banking Mastercard Credit Card
Welcome Bonus: No standard welcome bonus; benefits are milestone-based and curated rewards.
Bonus Conditions: Milestone and curated rewards apply as per Insignia Preferred Banking terms (see milestone benefit on official page).
Application Process for RBL Insignia Preferred Banking Mastercard Credit Card
Processing Time
7-14 business days
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Contact your RBL Relationship Manager or Preferred Banking desk
Provide KYC and relationship documentation
Verification through Preferred Banking team
Card issuance and dispatch as per Preferred Banking timelines
Required Documents for RBL Insignia Preferred Banking Mastercard Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
RBL Insignia Preferred Banking Mastercard Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Insignia Preferred Banking Mastercard Credit Card
Quick Eligibility Check
Minimum Age
25+
Credit Score
750+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹200,000
Minimum annual income
Self-Employed Applicants
₹250,000
Minimum annual income
Who Can Apply
Important Conditions
- Card is targeted at Insignia Preferred Banking customers; contact Relationship Manager for eligibility.
How Approval Is Decided
- Insignia Preferred Banking relationship
- Minimum relationship/income criteria as reviewed by RBL
- Credit profile assessed as per RBL policy
Pros of RBL Insignia Preferred Banking Mastercard Credit Card
- Strong international rewards
- Priority Pass and domestic lounge benefits
- Meaningful milestone rewards for high spenders
Cons of RBL Insignia Preferred Banking Mastercard Credit Card
- High annual fee (₹7,000 plus GST) unless relation/waiver applies
- Card is targeted to Insignia Preferred Banking customers (not widely available to general public)
Frequently Asked Questions about RBL Insignia Preferred Banking Mastercard Credit Card
What is the forex markup on international spends?
RBL quotes a forex markup of 1.5% for this card on international transactions.
Is there a joining or annual fee?
Yes. The printed annual fee is ₹7,000 (plus GST). It may be waived or reduced for qualifying Insignia Preferred Banking customers—check with your Relationship Manager.
What are the reward point earn rates?
You earn 5 reward points per ₹100 on domestic transactions and 10 reward points per ₹100 on international transactions; points credit timelines follow RBL Rewards policy.
How do milestone benefits work?
Spend ₹8,00,000 in a membership year to unlock partner vouchers worth ₹8,000. Milestone T&Cs apply and vouchers are credited after validation.
Do I get lounge access?
Yes. The card provides domestic lounge visits (2 per quarter) and a Priority Pass membership with 6 international lounge visits per year, subject to T&Cs.
Can I apply online if I am not an Insignia customer?
This card is primarily for Insignia Preferred Banking customers; RBL advises contacting your Relationship Manager for eligibility and application details.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
