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

These details are based on information updated on 7 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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