MyFinCards
Icon Credit Card

Joining Fee

₹5,000

Annual Fee

Rs. 5000 + Taxes

RBL Bank
Lifestyle
Rewards
Travel
Best For: Luxury lifestyle spenders, International travelers, Golf enthusiasts, Movie and dining lovers, High annual spenders seeking milestone benefits

Icon Credit Card

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹2,000 /monthly

Pros

  • High welcome bonus of 20,000 reward points
  • 20x accelerated rewards on international and weekend dining spends
  • Complimentary golf access with free lessons
  • 24x7 dedicated concierge desk
  • Buy 1 Get 1 movie ticket twice a month
  • Milestone rewards up to 45,000 bonus points annually
  • Access to 1,400+ international lounges

Cons

  • High annual fee of INR 5,000
  • Domestic lounge access requires INR 35,000 spend in previous quarter
  • International lounge visits chargeable up to $35 per person
  • Reward redemption fee of INR 99 + GST per redemption day
  • Monthly cap of 2,000 reward points on accelerated categories

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Domestic lounge access conditional on INR 35,000 spend in previous calendar quarter

Welcome benefit requires card usage within 30 days AND annual fee payment by due date

Reward redemption fee of INR 99 + GST applies per redemption day

Select spend categories not eligible for lounge benefits

Golf Concierge complimentary only for MasterCard holders

Monthly cap of 2,000 accelerated reward points each for international and weekend dining

Key Benefits & Features

20,000 bonus reward points as welcome benefit on first card use within 30 days and payment of annual fee

20x reward points on international purchases and weekend dining; max 2,000 points per month each category

Access to global iconic events like Formula 1 races, awards nights, and exclusive sports events

Official Terms & Conditions

About Icon Credit Card

The RBL Bank Icon Credit Card is a premium Mastercard designed to deliver a life of luxury and convenience across travel, dining, entertainment, golf, and everyday lifestyle spending. New cardmembers receive 20,000 bonus reward points as a welcome benefit upon first card usage and payment of the annual membership fee. On ongoing spends, cardmembers earn 2 reward points per INR 100 spent, with an elevated rate of 20 reward points per INR 100 on international purchases and weekend dining. Significant milestone rewards are also unlocked at annual spend thresholds of INR 3 lakhs, INR 5 lakhs, and INR 8 lakhs. Beyond rewards, the Icon Credit Card offers complimentary domestic airport lounge access, access to over 1,400 international lounges, and exclusive golf privileges including complimentary rounds, discounted green fees, and free golf lessons. Entertainment enthusiasts benefit from Buy 1 Get 1 free movie tickets on BookMyShow twice a month, along with access to global events such as Formula 1 races and awards nights. The card further includes a 24x7 dedicated concierge service covering travel, dining, spa, and event bookings, a 1% fuel surcharge waiver, and comprehensive lifestyle assistance. With a joining and annual fee of INR 5,000, the Icon Credit Card is ideally suited for high-spending individuals seeking premium rewards and curated luxury experiences.

Expert Review

Our Verdict

Premium lifestyle card with iconic rewards, golf, lounge, concierge & movie benefits for luxury seekers.

Frequently Asked QuestionsAbout Icon Credit Card

FEESWhat is the annual fee for the RBL Bank Icon Credit Card?
The RBL Bank Icon Credit Card has an annual membership fee of INR 5,000 + GST. This fee applies both as a joining fee and as an annual renewal fee. The card offers a host of premium lifestyle, travel, and dining benefits that are designed to provide significant value in return for the annual fee.
BENEFITSWhat welcome benefit do I get with the Icon Credit Card?
You receive 20,000 bonus reward points as a welcome benefit. To avail this, you need to complete two steps: Step 1 – Swipe and use your card within 30 days of card issuance, and Step 2 – Pay the annual membership fee by the payment due date. The welcome benefit points will be credited to your account within 60 days from the date of card issuance.
REWARDSHow many reward points do I earn on the Icon Credit Card?
You earn 2 reward points for every INR 100 spent on regular purchases. For international purchases and weekend dining spends, you earn an accelerated 20 reward points for every INR 100 spent (20x rewards). Please note that there is a maximum cap of 2,000 reward points per month each for international purchases and weekend dining spends.
REWARDSWhat are the milestone benefits on the Icon Credit Card?
The Icon Credit Card offers tiered milestone rewards: earn 10,000 bonus reward points on annual spends of INR 3 lakhs, an additional 15,000 reward points on reaching INR 5 lakhs in annual spends, and a further 20,000 reward points on reaching INR 8 lakhs in annual spends. This totals up to 45,000 bonus milestone reward points per year. Points are credited within 45 days of crossing each milestone.
BENEFITSWhat movie ticket benefits does the Icon Credit Card offer?
Icon Credit Card holders can avail a Buy 1 Get 1 movie ticket offer on BookMyShow, up to INR 200 per transaction, twice a month. To use this offer, select the 'RBL Bank Buy 1 Get 1 Offer' under the Offers/Discounts section on the BookMyShow website or mobile app. This benefit allows you to enjoy free movies up to four times a month for a couple.
BENEFITSHow does airport lounge access work with the Icon Credit Card?
Primary cardmembers get 2 complimentary domestic airport lounge accesses per quarter, provided they have spent INR 35,000 or more in the previous calendar quarter. Additionally, cardholders have access to 1,400+ international airport lounges worldwide. However, each international lounge visit is chargeable at up to $35 per person. Use your primary Icon Credit Card to access lounges outside India.
BENEFITSWhat golf benefits are available with the Icon Credit Card?
Icon Credit Card holders get access to select golf courses across the country. Benefits include complimentary golf rounds, discounts on green fees, and free golf lessons to sharpen your skills. The Golf Concierge service (complimentary for Mastercard holders) can assist with bookings. To book in advance, contact the Golf Concierge Desk by calling RBL Bank Customer Service at 022 6232 7777.
BENEFITSWhat concierge services are available with the Icon Credit Card?
The Icon Credit Card offers a 24x7 dedicated concierge desk accessible by calling 022 6232 7777. Services include golf course referral and reservation assistance, car rental and limousine assistance, hotel referral and reservation, business services, special events and performance assistance, spa and fitness centre information, dining referral and reservation assistance, and flower and gift delivery assistance.
BENEFITSIs there a fuel surcharge waiver on the Icon Credit Card?
Yes, the Icon Credit Card offers a 1% fuel surcharge waiver across all fuel stations in India. This waiver is valid for fuel transactions between INR 500 and INR 4,000. The maximum waiver is capped at INR 200 per month. The benefit will be reflected automatically in your monthly credit card statement.
FEESIs there a fee for redeeming reward points on the Icon Credit Card?
Yes, a reward redemption fee of INR 99 + GST is applicable each time you redeem your reward points. Importantly, this fee is levied only once per day, regardless of how many redemptions you make in a single day. You can redeem your reward points for air travel, hotel stays, shopping vouchers, and more by visiting www.rblrewards.com.
BENEFITSWhat entertainment benefits does the Icon Credit Card offer?
The Icon Credit Card provides access to exclusive global iconic events, including Formula 1 races, special awards nights, and exclusive sports events. These curated luxury lifestyle experiences are designed to treat cardholders to unique entertainment perks. For any event bookings or reservations, you can contact the dedicated Concierge Desk by calling RBL Bank Customer Services at 022 6232 7777.
OTHEROn which network does the Icon Credit Card operate?
The RBL Bank Icon Credit Card operates on the Mastercard network. This means cardholders can use it at millions of merchants worldwide wherever Mastercard is accepted. Additionally, some benefits such as the complimentary Golf Concierge service are exclusively available for Mastercard holders. The card is well-suited for both domestic and international usage.
USAGEHow do I redeem my reward points earned on the Icon Credit Card?
You can redeem your reward points by visiting www.rblrewards.com, where a wide range of redemption options are available including air travel, hotel stays, and shopping vouchers. You can also manage redemptions through your RBL Bank account settings. A redemption fee of INR 99 + GST applies per redemption day. Points are credited within stipulated timelines based on the type of benefit earned.
INTERNATIONALCan I use the Icon Credit Card for international transactions?
Yes, the Icon Credit Card can be used for international transactions. In fact, international purchases earn an accelerated reward rate of 20 reward points per INR 100 spent (subject to a monthly cap of 2,000 reward points). The card also provides access to 1,400+ international airport lounges, though each visit is chargeable up to $35 per person. Check with RBL Bank for any applicable forex markup charges.
APPLICATIONHow do I apply for the RBL Bank Icon Credit Card?
You can apply for the RBL Bank Icon Credit Card by clicking the 'Apply Now' button on the official RBL Bank Icon Credit Card page at www.rblbank.com. You may be required to provide personal, financial, and identity documents as part of the application process. For further assistance, you can contact RBL Bank Customer Services at 022 6232 7777 or visit your nearest RBL Bank branch.

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