Joining Fee

₹7,000

Annual Fee

Rs. 7000 (Reversed on annual spends of Rs. 10 Lakhs)

Forex Markup

1.5% + GST

INTERNATIONAL

RBL Bank

Rewards

Travel

Lifestyle

Best For: Frequent international travelers, Luxury lifestyle seekers, Golf enthusiasts, High-spend premium banking customers

Insignia Preferred Banking Card

Rewards Structure

Base Reward Rate

5% on spends

Point Value

1 Point = ₹0.25

Pros

Low forex markup of only 1.5%
2X reward points on international spends
Access to 1,400+ international lounges via Priority Pass
Complimentary golf rounds and monthly lessons
INR 8,000 milestone vouchers on INR 8 lacs spend
24x7 dedicated concierge service
No annual fee for Insignia Preferred Banking customers
28,000 welcome bonus reward points
Benefits at 2,400+ premium hotels worldwide

Cons

High annual fee of INR 7,000 + GST
Renewal waiver requires INR 10 lacs annual spend
Golf benefit only for Mastercard holders
International lounge visits capped at 6 per year
Subsequent international lounge visits charged up to $35

Hidden Catches (Transparency Policy)

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

Welcome bonus of 28,000 points not applicable for Insignia Banking customers

No annual fee waiver for Insignia Preferred Banking customers but standard customers must spend INR 10 lacs for waiver

Extra international lounge visit (beyond 6) requires INR 1,00,000 monthly spend

Golf benefit is complimentary only for Mastercard holders

Hotel benefits (early check-in, late check-out, room upgrade) subject to availability

Key Benefits & Features

2X reward points (10 points per INR 100) on international spends

Exclusive benefits at 2,400+ premium hotels (Marriott, Accor, IHG, Mandarin Oriental, Shangri-La): early check-in, late check-out, room upgrade, complimentary breakfast, hotel/dining credit

Health & Wellness: 15% discount on Weljii programs, free health score worth INR 1,999, 10% discount on dietician/nutritionist packages

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 Insignia Preferred Banking Card

The RBL Bank Insignia Preferred Banking Credit Card is a premium Mastercard designed to deliver a world-class experience for affluent customers who seek exclusivity, curated rewards, and luxury lifestyle privileges. From a generous welcome benefit of 28,000 bonus reward points to milestone vouchers worth INR 8,000 on brands like Amazon, Myntra, MakeMyTrip, and Taj Experiences upon spending INR 8 lakhs, the card consistently rewards high-spending cardmembers. Everyday spends earn 5 reward points per INR 100 domestically and 10 reward points per INR 100 on international transactions, with a low forex markup of just 1.5%. Travel perks are central to the card's appeal, offering access to 1,400+ airport lounges worldwide via a complimentary Priority Pass membership, plus 2 complimentary domestic lounge visits per quarter. Golf enthusiasts benefit from 4 complimentary green fee rounds annually and one lesson per month at premier courses across India. Additional privileges include exclusive dining discounts powered by EazyDiner Prime, luxury hotel benefits at 2,400+ properties worldwide, health and wellness discounts, and flat INR 500 off on BookMyShow tickets twice monthly. Backed by a dedicated 24x7 World Class Concierge service, the card caters to frequent travelers, luxury lifestyle seekers, and high-spend Preferred Banking customers. The annual fee of INR 7,000 is waived for Insignia Banking customers and on spends of INR 10 lakhs in a membership year.

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