RBL Insignia Preferred Banking Visa Credit Card
RBL Bank
last updated: Nov 26, 2025
₹7,000
₹7,000
3.5%
14 visits/yr
Contents
RBL Insignia Preferred Banking Visa Credit Card is a premium lifestyle and travel credit card designed for high-net-worth and preferred banking customers. It focuses on powerful reward points on both domestic and international spends, with higher returns when you travel abroad. Cardholders enjoy complimentary airport lounge access in India and overseas, golf privileges, fuel surcharge waiver and curated hotel and dining offers. The card is generally lifetime-free for eligible Insignia Preferred Banking clients while offering strong value even for fee-paying users.
Features of RBL Insignia Preferred Banking Visa Credit Card which makes it unique
Preferred Banking Relationship Card
Specially curated for RBL Insignia Preferred Banking customers and high-relationship clients.
Lifetime-free or low-fee structure for eligible preferred customers with access to a dedicated relationship team.
More relationship-driven than most mass-market premium cards.
Premium Travel And Dining Ecosystem
Combines international lounge access, hotel privileges and strong dining discounts via partners like EazyDiner.
Helps frequent travellers and food lovers save significantly on annual lifestyle spends.
Reward structure and benefits are optimised for travel and dining rather than generic cashback.
Rewards Structure of RBL Insignia Preferred Banking Visa Credit Card
Domestic Spends
baseAll eligible domestic retail transactions, excluding fuel, cash withdrawals and restricted merchant categories.
Equivalent reward rate is roughly 1.25% value back when 1 Reward Point ≈ ₹0.25 on flights, vouchers and other redemptions.
International Spends
baseAll eligible international retail spends made in foreign currency.
Effective value back can be around 2.5% on travel and voucher redemptions, making this card attractive for frequent foreign travellers.
Movies And Entertainment
baseMovie ticket bookings on BookMyShow using this card.
Offer structure or partner platform may change; always check the latest BookMyShow and RBL Bank terms before booking.
Dining Privileges
baseBills paid at EazyDiner Prime partner restaurants and other listed dining partners.
Ideal for cardholders who frequently dine at premium restaurants and want consistent savings on food and beverages.
Hotel And Lifestyle Benefits
baseStays at select luxury hotel partners and curated lifestyle experiences booked via RBL Bank channels.
Privileges may include benefits at chains like Marriott, IHG and other premium partners as per the current partner list.
Milestones of RBL Insignia Preferred Banking Visa Credit Card
Annual Accor Plus / Lifestyle Milestone
₹8,00,000 in an anniversary year (indicative) : High-value hotel or lifestyle membership benefits and vouchers worth around ₹8,000–₹10,000, as per current partner programme.
High-Spend Lounge Boost
₹1,00,000 in a calendar month : Additional complimentary international lounge visit via Priority Pass over and above standard quota, subject to latest RBL rules.
Fees & Charges of RBL Insignia Preferred Banking Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹7,000 |
| Annual Fee | ₹7,000 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee is complimentary for Insignia Preferred Banking clients. For others, the fee may be waived from the second year on annual spends of around ₹10,00,000 or as per current RBL Bank policy.
Fee Explanation Most charges follow RBL Bank’s World credit card schedule: finance charges up to ~3.5% per month, cash advance fee 2.5% (min ₹300), late fee 15% of total due with caps, and a 1% fuel surcharge waiver within specified limits. Always check the latest MITC before applying.
Lounge Access Benefits with RBL Insignia Preferred Banking Visa Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Typically 2 complimentary domestic airport lounge visits per calendar quarter for the primary cardholder at participating lounges in India, subject to network and RBL Bank lounge programme terms.
international Lounges
silverVisits per year: 6
Guest access: No
Complimentary Priority Pass membership with up to 6 free international lounge visits per calendar year for the primary cardholder. Extra visits are chargeable; in some programme versions, additional free visits may be unlocked with high spends.
Additional Features of RBL Insignia Preferred Banking Visa Credit Card
Contactless Payments
Tap to pay for small-ticket purchases at NFC-enabled terminals using the Visa contactless network.
Per-transaction limits and PIN-less transaction caps follow RBI and RBL Bank guidelines.
World-Class Concierge
24x7 concierge to assist with travel bookings, restaurant reservations, event tickets and lifestyle services.
Availability and scope depend on partner concierge provider; some services or bookings may attract additional charges.
Golf Privileges
Complimentary golf rounds and coaching sessions at select courses across India every year.
Advance booking required via the dedicated golf concierge; free rounds and lessons are capped annually, with discounted green fees thereafter.
Add-on Cards
Add-on credit cards for eligible family members to share the same credit limit and earn rewards on their spends.
KYC and documentation required for add-on cardholders as per RBL Bank policy.
Welcome Bonus with RBL Insignia Preferred Banking Visa Credit Card
Welcome Bonus: 28,000 Reward Points
Bonus Conditions: Welcome bonus is available on the paid-fee variant after first transaction within 30 days and successful joining fee payment; not applicable for existing Insignia Preferred Banking clients or lifetime-free variants.
Application Process for RBL Insignia Preferred Banking Visa Credit Card
Processing Time
Approximately 5–7 working days after final approval.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Maintain the required relationship balance or Total Relationship Value with RBL Bank to qualify for Insignia Preferred Banking or equivalent premium segment.
Contact your RBL Bank relationship manager or the dedicated preferred banking helpline to express interest in the Insignia Preferred Banking Visa Credit Card.
Submit the requested KYC and financial documents for verification, if not already updated with the bank.
Wait for the bank’s internal eligibility assessment and approval decision.
On approval, the card is produced and dispatched to your registered address, and you receive details to activate and set your PIN.
Required Documents for RBL Insignia Preferred Banking Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Income Proof
self-employedAccepted documents:
RBL Insignia Preferred Banking Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most merchants that support Visa credit cards, including offline POS and online payment gateways.
International Acceptance
Accepted globally at millions of Visa-affiliated merchants, hotels, airlines and online platforms.
Online Acceptance
Can be used at Indian and international e-commerce websites and apps, subject to RBI card-on-file, tokenisation and 3D Secure regulations.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Insignia Preferred Banking Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
0+
Citizenship
Indian resident only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- Invite-only premium card for Insignia Preferred Banking clients or high-relationship customers. Typical eligibility includes maintaining a Total Relationship Value of around ₹30 lakh per month across accounts and investments, or an average monthly balance of about ₹10 lakh in a savings or current account, as per RBL’s preferred banking criteria.
How Approval Is Decided
- Strong existing banking relationship with RBL Bank, often including a Total Relationship Value of around ₹30 lakh or more or a high average monthly balance in savings or current accounts.
- Clean repayment track record and good external credit history as seen in your credit bureau report.
- Stable income profile and ability to comfortably handle high credit limits as per RBL Bank’s internal underwriting policies.
Pros of RBL Insignia Preferred Banking Visa Credit Card
- Excellent rewards on both domestic and international spends, especially for frequent travellers.
- Robust lounge access programme covering major airports in India and key global hubs.
- Valuable dining, golf and hotel privileges suitable for a premium lifestyle segment.
Cons of RBL Insignia Preferred Banking Visa Credit Card
- Invitation-based eligibility with strict relationship requirements; not suitable for beginners.
- High headline fee for non-Insignia customers if fee waiver conditions are not met.
- Rewards and benefits are maximised only when you travel, dine out and spend heavily each year.
Frequently Asked Questions about RBL Insignia Preferred Banking Visa Credit Card
Is there any joining or annual fee on the RBL Insignia Preferred Banking Visa Credit Card?
For eligible RBL Insignia Preferred Banking customers, the card is typically lifetime-free with no joining or annual fee. For non-Insignia customers, a high joining and annual fee is charged, which may be waived on meeting specific annual spend criteria as per the latest RBL Bank policy.
What is the reward rate on domestic and international spends?
On most programme variants, you earn 5 Reward Points per ₹100 on eligible domestic spends and 10 Reward Points per ₹100 on international spends, which can translate to around 1.25%–2.5% effective value back when redeemed for flights, hotels or vouchers.
How many complimentary airport lounge visits are included?
You usually get around 8 domestic lounge visits per year (2 per quarter) at participating lounges in India, plus 6 complimentary international lounge visits per calendar year via Priority Pass for the primary cardholder, subject to applicable usage rules.
What movie benefits does this credit card offer?
The card offers a flat ₹500 discount on movie ticket bookings on BookMyShow, typically available twice every month, letting you save up to about ₹12,000 in a year if you fully utilise the offer.
Who should apply for the RBL Insignia Preferred Banking Visa Credit Card?
This card is best suited for high-net-worth individuals and RBL Insignia Preferred Banking customers who travel frequently, spend heavily on dining and lifestyle, and can make good use of lounge, golf and premium hotel benefits.
How can I apply for this card if I am not already an Insignia Preferred Banking client?
Typically, the card is offered on an invite basis. If you have or plan to build a high relationship value with RBL Bank, you can speak to your branch or relationship manager or call the preferred banking helpline to check eligibility and request an invitation.
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