RBL Bank

Icon

RBL Bank Icon

RBL Icon Mastercard: 20-point weekend dining rewards with exclusive complimentary Golf Concierge access.

diningpremiumlifestyle

Also available on Visa

RBL Bank Icon is issued on more than one network — each has different rewards and lounge access.

RBL Bank
VISA
Icon
Visa variant
Same fees, reward structure, lounge access, and eligibility as the Mastercard variant per RBL's own pages. RBL's Icon product page states 'Golf Concierge complimentary only for MasterCard holders' — this appears to be a booking/concierge service on top of the golf lessons/green-fees benefit already listed here, which this record's own sourcing didn't find stated as Mastercard-exclusive; treat the concierge-service distinction as the confirmed difference, not necessarily golf access as a whole.

Last reviewed 21 July 2026

Fees

Joining fee

₹5,000

Annual fee

₹5,000

Waiver: Fixed annual fee of ₹5,000 + GST; no spend-based waiver published on RBL's official card page as of verification date

Eligibility

Min. monthly income: ₹40,000

Min. CIBIL Score: 750+

Age: 21–60 yrs

Employment: salaried, self employed

Rewards

dining20x points(cap 2,000 points/1mo)

all other2x points

Welcome benefits

• 20,000 bonus reward points as a welcome benefit

Perks

✓Domestic lounge access: 8/yr2 visits per quarter; requires ₹35,000 spend in the preceding quarter
✓Fuel surcharge waiver: 1%Capped at ₹200/month
✓Forex markup: 3.5%
✓Concierge service
✓12 complimentary golf lessons annually including green fees, plus a complimentary Golf Concierge service — RBL's official card page states this concierge service is available only to Mastercard holders, unlike the Visa variant which has the same golf lessons/course access but not the concierge service
✓20 reward points per ₹100 on international purchases and weekend dining spends (capped at 2,000 points/month per category)
✓10,000 bonus points on ₹3 lakh annual spend, +15,000 points on ₹5 lakh, +20,000 points on ₹8 lakh
✓International lounge access available via a pay-per-visit programme (up to $35/visit) rather than complimentary visits

Common questions

What is the annual fee on the RBL Bank Icon?: The joining fee is ₹5,000. The annual fee is ₹5,000. Fixed annual fee of ₹5,000 + GST; no spend-based waiver published on RBL's official card page as of verification date
What are the reward rates on the RBL Bank Icon?: RBL Bank Icon earns 20x points on dining, 2x points on all other spends.
Does the RBL Bank Icon offer airport lounge access?: Yes: 8 domestic lounge visits per year (2 visits per quarter; requires ₹35,000 spend in the preceding quarter).
Who is eligible for the RBL Bank Icon?: Applicants typically need a minimum monthly income of ₹40,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by RBL Bank and can vary by application.
Is the RBL Bank Icon available on other networks?: Yes, it's also issued on Visa. Same fees, reward structure, lounge access, and eligibility as the Mastercard variant per RBL's own pages. RBL's Icon product page states 'Golf Concierge complimentary only for MasterCard holders' — this appears to be a booking/concierge service on top of the golf lessons/green-fees benefit already listed here, which this record's own sourcing didn't find stated as Mastercard-exclusive; treat the concierge-service distinction as the confirmed difference, not necessarily golf access as a whole.

What you’d earn

Enter your monthly spend in this card’s reward categories for an estimated annual value.

DiningBest rate

₹

20x points· cap 2,000 points/1mo

Everything else

₹

2x points

Estimated annual value—

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Annual fee

₹4,500

Up to

2x points

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Annual fee

₹10,000

Up to

2x points

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Annual fee

₹5,000

Up to

2x points

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Perks

✓Domestic lounge access: 8/yr2 visits per quarter; requires ₹35,000 spend in the preceding quarter

✓Fuel surcharge waiver: 1%Capped at ₹200/month

✓Forex markup: 3.5%

✓Concierge service

✓12 complimentary golf lessons annually including green fees, plus a complimentary Golf Concierge service — RBL's official card page states this concierge service is available only to Mastercard holders, unlike the Visa variant which has the same golf lessons/course access but not the concierge service

✓20 reward points per ₹100 on international purchases and weekend dining spends (capped at 2,000 points/month per category)

✓10,000 bonus points on ₹3 lakh annual spend, +15,000 points on ₹5 lakh, +20,000 points on ₹8 lakh

✓International lounge access available via a pay-per-visit programme (up to $35/visit) rather than complimentary visits

Common questions

What is the annual fee on the RBL Bank Icon?

The joining fee is ₹5,000. The annual fee is ₹5,000. Fixed annual fee of ₹5,000 + GST; no spend-based waiver published on RBL's official card page as of verification date

What are the reward rates on the RBL Bank Icon?

RBL Bank Icon earns 20x points on dining, 2x points on all other spends.

Does the RBL Bank Icon offer airport lounge access?

Yes: 8 domestic lounge visits per year (2 visits per quarter; requires ₹35,000 spend in the preceding quarter).

Who is eligible for the RBL Bank Icon?

Applicants typically need a minimum monthly income of ₹40,000, a CIBIL Score of 750+, a minimum age of 21, and must be salaried or self employed. Exact criteria are set by RBL Bank and can vary by application.

Is the RBL Bank Icon available on other networks?

Yes, it's also issued on Visa. Same fees, reward structure, lounge access, and eligibility as the Mastercard variant per RBL's own pages. RBL's Icon product page states 'Golf Concierge complimentary only for MasterCard holders' — this appears to be a booking/concierge service on top of the golf lessons/green-fees benefit already listed here, which this record's own sourcing didn't find stated as Mastercard-exclusive; treat the concierge-service distinction as the confirmed difference, not necessarily golf access as a whole.

RBL Bank Icon

Also available on Visa

Fees

Eligibility

Rewards

Perks

Common questions

What you’d earn

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RBL Bank Icon

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Eligibility

Rewards

Perks

Common questions

What you’d earn

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