RBL Insignia Preferred Visa Credit Card
RBL Bank
last updated: Nov 25, 2025
₹7,000
₹7,000
1.5%
14 visits/yr
Contents
RBL Insignia Preferred Visa Credit Card is a luxury lifestyle and travel card curated for high–net–worth Indian customers. It combines strong reward earnings on both domestic and international spends with rich airport lounge access, golf privileges and premium dining offers. Cardholders also enjoy concierge assistance and global hotel benefits designed to complement frequent business and leisure travel. The card works best for users who hold a deep relationship with RBL Bank and regularly spend high amounts across travel, dining and premium lifestyle categories.
Features of RBL Insignia Preferred Visa Credit Card which makes it unique
Invite-Led HNI Banking Card
Exclusively curated for RBL Insignia Preferred Banking customers with high balances and deep relationships.
Strengthens banking relationship while unlocking tailored lifestyle and travel privileges.
More exclusive positioning than most mass-market premium cards.
Low Forex Markup For A Premium Lifestyle Card
International spends typically attract a forex markup of only around 1.5% plus taxes.
Helps frequent travellers save significantly on overseas transactions compared to cards with 3.5% forex markup.
Competitive versus many other Indian premium cards in the same segment.
Powerful Lounge And Movie Combo
Global Priority Pass lounges plus strong domestic lounge coverage and BookMyShow movie savings.
Delivers value both while travelling and at home on entertainment spends.
Rare combination of serious lounge benefits and high-value movie offers on one card.
Rewards Structure of RBL Insignia Preferred Visa Credit Card
International Spends
baseRetail transactions in foreign currency made at international merchants or websites, subject to forex rules.
Ideal for frequent international travellers who spend heavily on flights, hotels and overseas shopping.
Base Rewards On Other Eligible Spends
baseAll other eligible retail categories not explicitly excluded by RBL Bank’s rewards policy.
Utility payments, fuel and certain other spends may earn reduced or zero reward points as per the latest rewards T&Cs.
Domestic Spends
baseEligible domestic retail transactions excluding fuel, cash withdrawals, wallet reloads and other restricted categories as per bank policy.
This is the main earn rate for day-to-day domestic swipes across travel, dining, shopping and other eligible spends.
Milestones of RBL Insignia Preferred Visa Credit Card
Annual Spend Milestone Vouchers
₹8,00,000 in a membership year : Lifestyle and shopping vouchers worth around ₹8,000 from leading brands such as Amazon, Myntra, MakeMyTrip or Croma.
High Spend Lounge Privileges
₹1,00,000 in a calendar month (indicative) : Additional domestic or international lounge invitations over and above the standard complimentary quota, subject to partner programme rules.
Fees & Charges of RBL Insignia Preferred Visa Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹7,000 |
| Annual Fee | ₹7,000 |
| Forex Markup Fee | 1.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹1,000 |
| Over Limit Fee | ₹600 |
| Returned Payment Fee | ₹500 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee is waived for Insignia Preferred Banking customers. For other customers, the next year’s annual fee is reversed on spends of ₹10,00,000 or more in the previous membership year.
Fee Explanation Foreign currency markup of 1.5% (plus applicable taxes) on eligible international purchases. Cash advance fee of 2.5% of the withdrawn amount, subject to a minimum of around ₹300. Late payment fee is typically charged as a percentage of the total amount due, with the fee capped at about ₹1,000 depending on outstanding balance. Overlimit penalty is ₹600 when the total outstanding exceeds the assigned credit limit. Returned payment or bounced cheque charges are usually about ₹500 per instance, plus applicable taxes. Exact slabs and taxes should always be confirmed from the latest RBL Bank MITC and schedule of charges before applying or using the card.
Lounge Access Benefits with RBL Insignia Preferred Visa Credit Card
domestic Lounges
silverVisits per year: 8
Guest access: No
Complimentary access to select domestic airport lounges in India, currently capped at 2 free visits per quarter for the primary cardholder. Extra visits and guest entries are chargeable at applicable lounge rates.
international Lounges
silverVisits per year: 6
Guest access: Yes
Comes with complimentary Priority Pass membership and up to 6 free international lounge visits per calendar year for the primary cardholder. Guest access is allowed, but guest visits are usually charged once complimentary visits are exhausted.
Insurance Coverage with RBL Insignia Preferred Visa Credit Card
Dedicated Insurance Benefits
Not specifically highlighted as a separate bundle for this card.Third-party sources indicate that there may be no standalone travel or air accident insurance pack marketed with this card. Any generic protections, if applicable, are governed strictly by the latest RBL Bank MITC and policy documents.
Additional Features of RBL Insignia Preferred Visa Credit Card
24x7 Concierge Services
Assistance with restaurant reservations, flower and gift delivery, event bookings, luxury car rentals, international education support and more to simplify high-end lifestyle planning.
Services and availability depend on partner networks and may change without prior notice.
Golf Privileges
Complimentary golf rounds at select courses along with one free coaching lesson each month and discounted green fees.
Available only at partner golf courses listed by RBL Bank and its service providers at the time of booking.
Premium Stay Privileges
Access to curated stays at thousands of upscale hotels worldwide, including preferential rates, upgrades and special amenities when booked through designated channels.
Benefits are programme-linked and may vary by destination, hotel brand and booking date.
Dining Privileges
Preferential table access, complimentary dishes or drinks and attractive savings at select fine-dining and premium casual restaurants across major Indian cities.
Restaurant list and offers are dynamic and controlled by the bank’s dining partners.
Fuel Surcharge Waiver
1% fuel surcharge waiver within specified ticket size limits each month at eligible fuel outlets when the card is used directly at the POS terminal.
Does not apply to card-on-file or wallet-based fuel payments and is subject to monthly caps.
Welcome Bonus with RBL Insignia Preferred Visa Credit Card
Welcome Bonus: 28,000 Reward Points
Bonus Conditions: Welcome reward is applicable once per primary cardholder on the first eligible retail transaction within 30 days of card issuance. ATM withdrawals, fuel, wallet loads and fee payments are not counted as eligible transactions.
Application Process for RBL Insignia Preferred Visa Credit Card
Processing Time
Typically 7–10 working days after successful documentation and internal approval for eligible Insignia Preferred Banking customers.
Online Application
Not Available
Instant Approval
Not Available
Step-by-Step Process
Maintain the required Total Relationship Value or average monthly balance with RBL Bank to qualify as an Insignia Preferred Banking customer.
Express interest in the RBL Insignia Preferred Visa Credit Card through your relationship manager or the preferred banking customer care channel.
Submit KYC documents, income proof and any additional information that the bank may request for risk and eligibility assessment.
Wait for internal approval, credit assessment and card setup by RBL Bank.
Upon approval, receive the physical card, activate it as per instructions and set your PIN through RBL channels before making your first transaction.
Required Documents for RBL Insignia Preferred Visa Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income / Relationship Proof
salaried and self-employedAccepted documents:
RBL Insignia Preferred Visa Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across India at most Visa-enabled POS terminals, e-commerce websites, travel portals, restaurants, fuel stations and premium retailers.
International Acceptance
Accepted globally at millions of Visa merchant locations, hotels, airlines, duty-free outlets and online platforms that support international Visa cards.
Online Acceptance
Supported for secure online transactions on Indian and international websites, with strong authentication via OTP and Verified by Visa flows.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for RBL Insignia Preferred Visa Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
750+
Citizenship
Indian residents only
Income Requirements
Salaried Applicants
₹0
Minimum annual income
Self-Employed Applicants
₹0
Minimum annual income
Who Can Apply
Important Conditions
- This is an invite-led premium credit card primarily offered to RBL Insignia Preferred Banking clients. Eligibility generally requires either a Total Relationship Value of around ₹30 lakh across deposits and investments, or an average monthly balance of about ₹10 lakh in eligible RBL Bank accounts. Final approval is based on the bank’s internal policies, KYC checks and overall credit profile.
How Approval Is Decided
- Strong banking relationship with RBL Bank, generally via a Total Relationship Value of around ₹30 lakh or an average monthly balance of about ₹10 lakh.
- Clean credit history with a high credit score and no major delinquencies reported to credit bureaus.
- Successful completion of KYC checks and verification of submitted documents as per regulatory requirements.
- Final approval as per RBL Bank’s internal risk, underwriting and product-specific policies.
Pros of RBL Insignia Preferred Visa Credit Card
- High reward point earning rate on both domestic and international spends, ideal for affluent cardholders with large monthly outgo.
- Excellent combination of Priority Pass international lounges, domestic lounges, golf and hotel privileges for frequent travellers.
- Powerful lifestyle suite including concierge services, movie ticket discounts and premium dining offers at curated restaurants.
Cons of RBL Insignia Preferred Visa Credit Card
- Annual fee for non-Insignia customers is relatively high and full value is unlocked only at higher spend levels.
- Eligibility is restricted primarily to RBL Insignia Preferred Banking clients, so the card is not easily accessible to all applicants.
- Reward programme terms, lounge lists and partner offers can change and must be tracked regularly by cardholders.
Frequently Asked Questions about RBL Insignia Preferred Visa Credit Card
Who is eligible for the RBL Insignia Preferred Visa Credit Card?
This card is primarily offered to RBL Insignia Preferred Banking customers who maintain a high overall relationship with the bank, usually through a Total Relationship Value of about ₹30 lakh or an average monthly balance of around ₹10 lakh in eligible accounts, along with a strong credit profile.
What lounge access do I get with the RBL Insignia Preferred Visa Credit Card?
You receive complimentary membership to Priority Pass with up to 6 free international lounge visits a year, along with complimentary access to select domestic airport lounges in India, currently capped at 2 visits per quarter for the primary cardholder. Extra visits and guest entries are chargeable.
What is the welcome benefit on this card?
On making your first eligible retail transaction within 30 days of card issuance, you earn a one-time welcome bonus of 28,000 reward points, credited as per the bank’s rewards crediting cycle, subject to programme terms and exclusions.
Is the RBL Insignia Preferred Visa Credit Card lifetime free?
For eligible RBL Insignia Preferred Banking customers, the joining and annual fees are generally waived. Other customers may be charged a joining or annual fee of ₹7,000 plus taxes, which can often be reversed on achieving the specified annual spend threshold.
What reward rate does this card offer on spends?
The card typically earns 5 reward points for every ₹100 spent on domestic purchases and 10 reward points for every ₹100 spent on international purchases, excluding spends in restricted categories such as fuel, cash withdrawals and wallet loads. Redemption value depends on how you redeem through the RBL rewards portal.
What is the forex markup on international transactions?
Most international retail transactions on this card attract a foreign currency markup of approximately 1.5% plus taxes, which is lower than the 3.5% markup commonly seen on many other Indian credit cards.
How can I apply for the RBL Insignia Preferred Visa Credit Card?
Existing RBL Insignia Preferred Banking customers can typically express interest through their dedicated relationship manager or the preferred banking helpline. The card is invite-led, and the bank takes the final decision based on internal eligibility checks and documentation.
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