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Features of RBL Bank Icon Credit Card

  • Premium Lifestyle Privileges: The RBL Bank Icon Credit Card is crafted for those who aspire to a luxurious lifestyle. It offers access to a range of premium privileges, including exclusive discounts and offers on travel, dining, golf, and entertainment. Cardholders can enjoy curated experiences such as VIP access to global events like Formula 1 races, special awards nights, and other exclusive sports events. This feature ensures that users can elevate their lifestyle with experiences that are both memorable and prestigious. The card’s focus on luxury is evident in its ability to provide seamless access to high-end services, making it a perfect companion for those who value sophistication and exclusivity. Whether it’s securing a reservation at a fine-dining restaurant or gaining entry to an elite event, the card positions its holders as discerning individuals with access to the finer things in life. The emphasis on lifestyle privileges extends to personalized services, ensuring that every experience is tailored to the cardholder’s preferences, from bespoke travel itineraries to exclusive event invitations.
  • Reward Points Program: One of the standout features of the RBL Bank, particularly its rewards program. Cardholders earn 2 reward points for every ₹100 spent on regular retail transactions, excluding fuel purchases. For international transactions and dining spends on weekends, the card offers an accelerated rate of 20 reward points for every ₹100 spent, with a monthly cap of 2,000 reward points per category. These reward points can be redeemed for a variety of options, including air travel, hotel stays, shopping vouchers, gadgets, and lifestyle products through the RBL Rewards portal (www.rblrewards.com).
Kotak Silk Inspire Credit Card
    • Welcome Bonus Reward Points: Upon joining, cardholders receive 20,000 reward points (approximately ₹5,000) by swiping the card at least once within 30 days of issuance and paying the joining fee of ₹5,000 by the due date. The bonus is credited within 60 days of card issuance, offering an immediate incentive to start using the card.
    • Milestone Reward Points: Cardholders can earn additional reward points based on their annual spending: 10,000 points for ₹3 lakh, 15,000 points for ₹5 lakh, and 20,000 points for ₹8 lakh, totaling up to 45,000 points annually. These rewards are credited within 45 days of crossing each spending threshold.
    • Airport Lounge Access: Enjoy 2 complimentary domestic lounge visits per quarter at major airports across India. Additionally, access over 1,400 international airport lounges through a complimentary Priority Pass membership, with each visit chargeable at up to $35 per person.
    • Golf Privileges: Cardholders receive complimentary golf rounds, discounts on green fees, and free golf lessons at select golf courses across India. Bookings can be made through the Golf Concierge Desk by calling 022 6232 7777.
    • Movie Ticket Offers: Avail a buy-one-get-one-free movie ticket offer on BookMyShow, worth up to ₹200, twice a month by selecting the RBL Bank Buy 1 Get 1 Offer under the Offers/Discounts section on the BookMyShow website or app.
    • Fuel Surcharge Waiver: The card offers a fuel surcharge waiver of up to ₹200 per month for transactions between ₹500 and ₹4,000 at fuel stations across India. This feature provides practical savings for cardholders who frequently drive.
    • Concierge Services: The RBL Bank Icon Credit Card includes 24/7 concierge services to assist with a range of lifestyle needs, including golf course referrals and reservations, car rental and limousine bookings, hotel referrals and reservations, and coordination for special events, spa visits, and gift deliveries. Cardholders can access these services by calling the customer service number at 8885545255.
    • Enhanced Security Features: Cardholders can switch their card on or off at any time through the RBL Bank mobile app or website, providing control over card usage and reducing the risk of unauthorized transactions. Additionally, the card offers zero liability protection for lost or stolen cards, provided the loss is reported promptly to the bank’s customer care at 8885545255.
    • Global Acceptance: The RBL Bank Icon Credit Card is accepted globally, making it a versatile tool for international travel and online purchases. Available on MasterCard, Visa, or RuPay networks, the card ensures seamless transactions worldwide. However, international transactions incur a 3.5% foreign transaction fee, with non-US dollar transactions first converted to USD before the fee is applied.
    • Add-On Cards: Cardholders can share the card’s benefits with family members by issuing add-on cards for their spouse, parents, or children (minimum age 18). All charges and reward points accrued on add-on cards are billed to the primary cardholder’s account, with the primary cardholder retaining control over the credit limit for each add-on card.
    • Contactless Payments: The card supports contactless payments, allowing for quick and secure transactions at compatible merchant terminals. This feature aligns with modern payment trends, offering convenience and speed for everyday purchases.
    • Online Transaction Capabilities: The RBL Bank Icon Credit Card is equipped for online transactions, with the ability to generate a One-Time Password (OTP) instantly for IVR transactions. This ensures secure and seamless online shopping, catering to the growing trend of e-commerce.
    • Flexible Credit Limits: The card’s credit limit is determined based on the cardholder’s income, credit score, and financial profile, and is communicated at the time of card issuance. Cardholders can request a credit limit increase by submitting financial documents such as salary slips or income tax returns, subject to the bank’s approval. The cash advance limit is a percentage of the total credit limit, indicated on monthly billing statements, providing flexibility for emergency cash needs.
    • EMI Conversion Options: For large purchases, the card offers a Transfer ‘n’ Pay feature, allowing cardholders to consolidate outstanding balances from other credit cards into one account and repay them in low-cost EMIs. This feature enhances financial flexibility, making it easier to manage high-value transactions.
    • Digital Banking Integration: The card integrates with RBL Bank’s net banking and mobile banking platforms, allowing cardholders to manage their account, track transactions, pay bills, and redeem reward points conveniently. The RBL MoBank App further enhances accessibility, offering features like bill payments and transaction alerts. This digital integration ensures that cardholders can stay in control of their finances anytime, anywhere, aligning with modern banking trends.
    • Customizable Card Network: Cardholders can choose their preferred card network (MasterCard, Visa, or RuPay) at the time of application, with the option to switch networks for existing cards by contacting the bank’s helpline. This flexibility ensures compatibility with the user’s preferred payment ecosystem, whether they prioritize MasterCard’s global reach or RuPay’s domestic benefits.
    • Robust Customer Support: RBL Bank provides 24/7 customer support for the Icon Credit Card, accessible via phone at 8885545255. This ensures that cardholders can resolve queries or report issues promptly, enhancing the overall user experience. The availability of multiple support channels ensures that help is always at hand, whether for transaction disputes, reward redemptions, or card management queries.
Kotak Silk Inspire Credit Card Benefits

Benefits of RBL Bank Icon Credit Card

  • 1. Lucrative Welcome Offer:
    • Bonus Reward Points: Get 20,000 bonus reward points worth approximately ₹5,000.
    • Activation Condition: Swipe the card once within 30 days of issuance and pay the joining fee by the due date.
  • 2. High Reward Point Earnings:
    • Regular Spending: Earn 2 reward points per ₹100 spent on most retail transactions (excluding fuel).
    • Accelerated Rewards: Get 20 reward points per ₹100 on international transactions and weekend dining (capped at 2,000 points per category per month).
      • Milestone-Based Rewards: Earn 10,000 reward points on ₹3 lakh spent, 15,000 points on ₹5 lakh spent, and 20,000 points on ₹8 lakh spent annually up to 45,000 points in total.
      • Complimentary Airport Lounge Access: Enjoy 2 domestic lounge visits per quarter and global access to 1,400+ lounges via complimentary Priority Pass (visit charges up to $35).
      • Exclusive Golf Privileges: Get free golf rounds, discounts on green fees, and golf lessons at select courses with easy bookings via Golf Concierge Desk.
      • Movie Ticket Discounts: Avail Buy 1 Get 1 Free movie ticket offer on BookMyShow (up to ₹200) twice a month for both online and offline bookings.
      • Fuel Surcharge Waiver: Get up to ₹200/month waiver on fuel transactions between ₹500–₹4,000 at any Indian fuel station.
      • Comprehensive Concierge Services: Access 24/7 assistance for travel, dining, events, and gifting via the concierge line at 8885545255.
      • Enhanced Security and Control: Temporarily lock/unlock your card via the app or website. Zero liability protection for fraud if reported promptly.
      • Global Usability: Accepted globally on MasterCard, Visa, or RuPay networks. A 3.5% forex markup applies on international usage.
      • Add-On Cards for Family: Issue add-on cards to family members (18+). Set individual spending limits and earn consolidated reward points.
      • Contactless Payments: Tap-to-pay for quick and secure transactions at compatible POS terminals.
      • Flexible Reward Redemption: Redeem points for flights, shopping, gadgets, vouchers, and more via RBL Rewards portal (₹99 + GST per redemption).
      • EMI and Balance Transfer Options: Use ‘Transfer ‘n’ Pay’ to repay other card balances in low-cost EMIs. Also convert large spends into EMIs easily.
      • Access to Exclusive Events: Enjoy VIP invites to global events like Formula 1 races, award shows, and elite sports gatherings.
      • Digital Banking Convenience: Use RBL MoBank app or net banking for transactions, reward tracking, and bill payments with real-time alerts.
      • Customizable Network Choice: Choose your preferred network — MasterCard, Visa, or RuPay — to suit your domestic or global spending needs.
      • 24/7 Customer Support: Get prompt help via 8885545255 for queries or assistance.
      • Financial Flexibility: Adjustable credit limits and cash advance options tailored to your financial profile for emergency or high-value needs.
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How to Apply Process for RBL Bank Icon Credit Card

  • 1. Online Application via RBL Bank Website
    • Visit the Website: Go to www.rblbank.com and navigate to the “Personal” section.
    • Select Credit Cards: Click on “Credit Cards” and find the “RBL Bank Icon Credit Card.”
    • Click Apply Now: Scroll to the card details and click the “Apply Now” button.
    • Proceed to Application: Accept the redirection pop-up and click “Proceed.”
    • Fill Personal Details: Enter name, date of birth, gender, city, mobile number, and email ID.
    • Verify with OTP: Enter the OTP sent to your mobile for identity confirmation.
    • Provide Work Details: Submit employment type, organization name, and income information.
    • Submit Application: Accept terms and click “Submit” to complete the process.
  • 2. Application via Third-Party Platforms
    • Choose Platform: Visit trusted websites like BankBazaar or Paisabazaar.
    • Search for the Card: Locate the RBL Bank Icon Credit Card under “Credit Cards.”
    • Check Eligibility: Use “Check Eligibility” or “Apply Now” options.
    • Fill Details: Enter personal and financial details as required.
    • Upload Documents: If prompted, upload identity and income proof.
    • Submit Form: Complete and submit the application. You will receive a reference ID.
  • 3. Offline Application via RBL Bank Branch
    • Locate a Branch: Use the branch locator on the RBL Bank website.
    • Visit in Person: Go to the nearest branch with required documents.
    • Request Application Form: Ask for the RBL Icon Credit Card application form.
    • Submit Documents: Provide filled form, photo, and copies of identity, address, and income proof.
  • 4. Application via Customer Care
    • Call Helpline: Contact 8885545255 for assistance.
    • Share Details: Provide personal and financial details to the executive.
    • Receive Form: Get the application form via email or courier.

Eligibility Criteria for RBL Bank Icon Credit Card

  • 1. Age Requirements
    • Salaried Individuals: Minimum age of 21 years.
    • Self-Employed Individuals: Minimum age of 23 years.
    • Maximum age for all applicants: 65 years.
    • Add-on Cardholder: Must be 18 years or older.
  • 2. Income Requirements
    • Salaried: Minimum monthly income of ₹25,000 (₹3,00,000 annually).
    • Self-Employed: Minimum annual income of ₹3,00,000 supported by ITRs or financial statements.
    • Higher income may be required based on profile or location.
  • 3. Credit Score and History
    • Recommended credit score: 750 or above.
    • Good payment history and low credit utilization preferred.
    • Fewer recent credit inquiries improve approval chances.
  • 4. Employment Status
    • Salaried: Must be employed with a reputed organization for at least 6 months.
    • Self-Employed: Must have 1–2 years of business continuity or practice in a profession.
  • 5. Residential Location
    • Must reside in RBL Bank's serviceable cities such as Mumbai, Delhi, Bangalore, and Chennai.
    • Applicants from non-serviceable cities may need alternate address proof or face rejection.
  • 6. Nationality
    • Primarily open to Indian residents.
    • NRIs or foreign nationals may apply subject to bank policies and documentation.
  • 7. Debt-to-Income Ratio
    • Preferred DTI ratio: Below 40%.
    • Lower existing debts improve chances of approval.
  • 8. Existing Relationship with RBL Bank
    • Having an RBL savings account, FD, or loan can improve approval prospects.
  • 9. Application History
    • No recent rejections of credit card or loan applications recommended.
Check Best Gold Loan Offers

Documents Required for RBL Bank Icon Credit Card

  • Proof of Identity (Any One):
    • PAN Card: Mandatory for tax and financial verification.
    • Aadhaar Card: Must be masked (last four digits only).
    • Passport: Valid and government-issued.
    • Driving License: Valid and issued by RTO.
    • Voter ID: Issued by the Election Commission of India.
  • Proof of Address (Any One):
    • Aadhaar Card (masked) reflecting current address.
    • Passport or Driving License with updated address.
    • Voter ID with current residence address.
    • Utility Bills (Electricity, Gas, or Landline) not older than 3 months.
    • Ration Card issued by State Government.
  • Proof of Income:
    • Salaried Individuals:
      • Latest 3 months' salary slips.
      • Bank statement showing salary credits (last 3–6 months).
      • Form 16 or latest Income Tax Return (ITR).
    • Self-Employed Individuals:
      • ITR for the last 2 years with income computation.
      • Bank statement for the past 6 months.
      • Business proof (e.g., GST registration, Shop Act license, or professional certificate).
  • Photograph:
    • 2–4 recent passport-sized photographs.

Factors Affecting RBL Bank Icon Credit Card Approval

  • Credit Score: A score of 750+ greatly enhances approval chances. RBL assesses payment history, credit utilization (preferably below 30%), credit history length, and recent inquiries. Improve score by timely payments and reducing credit usage.
  • Income Level: Minimum ₹25,000/month for salaried or ₹3,00,000/year for self-employed. High and stable income improves chances, especially given the ₹5,000 joining fee and premium card usage expectations.
  • Debt-to-Income Ratio: A DTI below 40% indicates sufficient disposable income. High existing debt obligations may reduce approval chances. Pay down debts or increase income to improve your ratio.
  • Employment Stability: Salaried individuals need at least 6 months with a reputed employer; self-employed should show 1–2 years of stable business. Frequent job changes may impact approval.
  • Credit History: A positive, established history is essential. No history may make it difficult for the bank to assess creditworthiness. Use secured cards or small loans to build history. Avoid defaults or late payments.
  • Location: Applicant must reside in a city serviced by RBL Bank (e.g., Mumbai, Delhi, Bangalore). Applications from unlisted areas may face rejection or additional requirements.
  • Existing Relationship with RBL Bank: Having an account, FD, or prior loan can lead to better approval odds and pre-qualified offers. It also provides the bank insights into your financial behavior.
  • Documentation Accuracy: All submitted documents must be valid, up-to-date, and consistent with application details. Errors, discrepancies, or unverifiable documents can cause delays or rejection.
  • Recent Application Rejections: Multiple recent rejections may reduce credibility. Wait at least 3–6 months and resolve issues (e.g., low credit score) before reapplying.

Frequently Asked Questions (FAQs)

What is the RBL Bank Icon Credit Card?
The RBL Bank Icon Credit Card is a premium lifestyle card offering exclusive benefits in travel, dining, golf, entertainment, and international access, along with a robust reward points program.
What are the key benefits of this card?
20,000 welcome reward points, 1+1 movie tickets on BookMyShow (up to ₹200, twice a month), 2 complimentary domestic airport lounge visits per quarter, global lounge access via Priority Pass (₹35 per visit), complimentary golf access, ₹200 monthly fuel surcharge waiver, concierge services, and milestone-based bonus points.
How does the reward program work?
Earn 2 reward points per ₹100 on regular spends, and 20 points per ₹100 on international and weekend dining (capped at 2,000 points/month per category). Milestone rewards include 10,000 points on ₹3L spend, 15,000 on ₹5L, and 20,000 on ₹8L.
What is the value of reward points?
One reward point is worth up to ₹0.25 for travel and shopping redemptions. Points can be redeemed at rblrewards.com for flights, hotels, gadgets, vouchers, and more.
What are the fees and charges?
₹5,000 + GST joining and annual fees. ₹99 + GST redemption fee per day. Foreign transaction fee: 3.5%. Standard cash advance and interest rates apply.
How to maximize card benefits?
Spend on weekend dining and international transactions to earn higher rewards, use BookMyShow for movie offers, utilize lounge and golf access, and aim for annual spend milestones to unlock bonus points.
Who is eligible to apply?
Indian citizens aged 23+ with a minimum monthly income of ₹12,000 and a good credit score. Supplementary cardholders must be at least 18 years old.
What documents are required?
PAN and Aadhaar (identity proof), address proof (utility bill/passport), income proof (salary slips/ITR), a recent photograph, and a filled application form.
How to apply for the RBL Bank Icon Credit Card?
Apply online via rblbank.com, through third-party platforms, or visit an RBL branch. Submit documents, complete KYC, and track processing (up to 20 days).
How do I activate the card?
Set your 4-digit PIN via RBL MyCard app or first swipe. For international use, SMS “INTL” to 5607011. Ensure the card is chip & PIN-enabled for secure usage.
Is there cashback on movie tickets?
No cashback is offered. However, you get a 1+1 movie ticket offer (up to ₹200) twice a month via BookMyShow.
How to redeem reward points?
Redeem via rblrewards.com or the RBL MyCard app. A ₹99 + GST fee applies per redemption day. Failed redemptions are auto-refunded.
How to access airport lounges?
Present your Icon Credit Card for 2 complimentary domestic lounge visits per quarter. For international lounges, use the complimentary Priority Pass (₹35/visit applies).
How do I book golf sessions or events?
Call the Concierge Desk at 8885545255 for golf course reservations, complimentary rounds, lessons (for MasterCard holders), or to book access to global events like Formula 1 races or award nights.
Is the RBL Bank Icon Credit Card worth it?
Yes, if you frequently spend on international travel, weekend dining, and enjoy luxury experiences like lounges and golf. The card is ideal for maximizing lifestyle rewards and milestone bonuses.

List of RBL Bank Icon Credit Card Branches in Telangana

  • Adilabad - Adilabad Branch
  • Nizamabad - Bodhan Branch
  • Hyderabad - Chandanagar Branch
  • Hyderabad - Dilsukhnagar Branch
  • Hyderabad - Film Nagar Branch
  • Hyderabad - Gachibowli Branch
  • Hyderabad - Himayat Nagar Branch
  • Hyderabad - Banjara Hills Branch
  • Hyderabad - Banjara Hills Road No. 1 Branch
  • Hyderabad - Jubilee Hills Branch
  • Hyderabad - Manikonda Branch
  • Hyderabad - Nacharam Branch
  • Hyderabad - Prashasan Nagar Branch
  • Hyderabad - Somajiguda Branch
  • Hyderabad - SR Nagar Branch
  • Hyderabad - Uppal Branch
  • Hyderabad - Vanasthalipuram Branch
  • Karimnagar - Karimnagar Branch
  • Khammam - Khammam Branch
  • Kothagudem - Kothagudem Branch