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RBL Bank
RBL Insignia Preferred Banking World Credit Card
Travel
1st Year Fee: ₹7,000* Plus Applicable Taxes
Rewards
10 RPs per Rs. 100 spent internationally
Travel
Low foreign exchange markup fee of 1.5%
Dining
Up to 50% off via at partner restaurants
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About RBL Insignia Preferred Banking World Credit Card
RBL Insignia Preferred Banking World Credit Card is designed for consumers seeking travel, lifestyle, and reward benefits through regular spends. Cardholders can earn 5 reward points for every Rs. 100 spent domestically and 10 reward points per Rs. 100 spent internationally. The card also offers a low forex markup fee of 1.5%, making it suitable for overseas transactions. Travel-related benefits include complimentary domestic and international airport lounge access, along with additional visits based on monthly spending milestones. Cardholders can also access privileges at premium hotel brands worldwide, including room upgrades, breakfast benefits, and flexible check-in and check-out options.
Other features include welcome reward points, annual milestone vouchers, discounts on movie tickets, dining offers through EazyDiner, and wellness-related benefits such as health assessments and discounts on nutrition and wellness programs. These benefits make the card suitable for frequent travellers and lifestyle-focused consumers.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit RBL Bank’s website.
Rewards & Travel Benefits
Reward Program
- 5 reward points per Rs. 100 spent domestically
- 10 reward points per Rs. 100 spent internationally
Travel Benefits
- Low forex markup fee of 1.5%
- 8 complimentary domestic airport lounge visits yearly
- 6 complimentary international airport lounge visits yearly via Priority Pass Membership
- Additionally, spending Rs. 1 Lakh or more in a month will allow the primary cardholder to avail extra lounge visits.
- Exclusive privileges at 2,400+ premium hotels worldwide: early check-in, late check-out, room upgrades, breakfast for two, hotel/dining credits, and welcome amenities. Partner brands include Marriott, Accor, IHG, Mandarin Oriental, Shangri-La, and more
Other Features & Benefits
Welcome Benefits
- 28,000 bonus reward points within a month of card activation
Milestone Benefit
- Rs. 8,000 worth of vouchers on partner brands such as Amazon, Myntra, Croma, MakeMyTrip, and Taj Experience, on a minimum spend of Rs. 8 Lakh in a year
Movie Benefit
- Rs. 500 off on movie tickets at BookMyShow, twice a month
Dining Benefit
- Up to 50% off and 1+1 buffet privileges and priority booking via EazyDiner at partner restaurants
RBL Insignia Preferred Banking World Credit Card Fees and Charges
| Fee Type | Amount |
|---|---|
| Joining Fee | Rs. 7,000 + Applicable Taxes |
| Annual Fee | Rs. 7,000 + Applicable Taxes |
| Finance Charges | Up to 3.99% p.m. (up to 47.88% p.a.) |
| Late Payment Charges | 12.5% of Total Outstanding Amount Min Rs. 5 Max Rs. 1,300 |
Things to Know Before you apply
Get this card if:
You travel frequently overseas and are looking for a card that offers a low forex markup fee
You want to earn reward points on your domestic and international spends
You are looking for a card that offers international and domestic airport lounge visits
You want to avail health and wellness benefits
Paisabazaar Review
What do we like about this card?
RBL Insignia Preferred Banking World Credit Card may be a decent option for consumers who travel frequently and spend regularly on their credit cards. It offers a low forex markup fee and airport lounge access for consumers who travel frequently. It also offers spend on dining, entertainment, and hotels, as the card offers benefits in these categories. Cardholders with higher monthly spends may get more value from the reward points and milestone-based benefits. Overall, this card is more suitable for frequent travellers and consumers looking for a mix of travel, lifestyle, and rewards features rather than those seeking basic credit card benefits.
Pros
- Low forex markup fee of 1.5%
- 8 complimentary domestic airport lounge every year
- 10 reward points per Rs. 100 spent internationally
- Up to 50% off and 1+1 buffet privileges and priority booking via EazyDiner at partner restaurants
Cons
- High annual fee of Rs. 7,000
- Extra lounge visits for primary cardholders will be available on spending Rs. 1 Lakh or more in a month
Frequently Asked Questions
Everything you need to know about this credit card
No, customers must have a prior relationship with the bank. Another criterion is that they must have a total relationship value of Rs. 30 Lakh or more. Alternatively, they must have a monthly balance of Rs. 10 Lakh or more in their current account.
Customers can pay their credit card bills quite easily via net banking, NEFT/IMPS, or even a branch visit. The detailed steps for the same can be found here.
To redeem the reward points, customers can log in to their net banking account. Detailed steps are given here.
No, you may not club points earned on more than one RBL credit card.
The RBL credit card customer care number is +91 22 6232 7777.
Footnotes
- The spend-based extra lounge visit can be accessed through a voucher issued by Lounge Key on behalf of RBL Bank. Once you avail the complimentary visits, you will be charged up to $35 in case of any subsequent lounge visits.
- Benefits may vary by property and are subject to change. Early check-in, late check-out, and complimentary room upgrades are subject to availability.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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