MyFinCards
Signature Banking Credit Card

Joining Fee

Free

Annual Fee

Rs. 2500 (Reversed on annual spends of Rs. 0 Lakhs)

RBL Bank
Cashback
Lifestyle
Travel
Best For: Signature Banking relationship customers, Frequent shoppers on RBL Rewards Portal, Travelers seeking lounge access

Signature Banking Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹1,500 /monthly

Pros

  • Zero annual fee for Signature Banking customers
  • Up to 4% cashback on RBL Rewards Portal
  • Domestic and international lounge access
  • Buy 1 Get 1 movie ticket offer monthly
  • Milestone cashback benefits up to INR 6,000
  • Cashback credited directly to RBL Savings Account

Cons

  • Annual fee of INR 2,500 for non-Signature Banking customers
  • Redemption fee of INR 99 + GST on cashback redemption
  • 1% cashback capped at INR 1,500 per billing month
  • Exclusively for Signature Banking customers

Hidden Catches (Transparency Policy)

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

Redemption fee of INR 99 + GST applicable on cashback redemption

Multiple categories excluded from cashback and milestone benefits: Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash, Miscellaneous, Bills2Pay, EMI conversions

4% cashback only on RBL Bank Rewards Portal, not on general spends

International lounge limited to 2 visits annually

Key Benefits & Features

Detailed benefits inside

Notable Exclusions

Excluded from Cashback, Milestone Benefits & Lounge Benefits

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Signature Banking Credit Card

The RBL Bank Signature Banking Credit Card is designed exclusively for Signature Banking relationship customers, offering a powerful combination of cashback rewards and wealth-building benefits. Cardholders can earn up to 4% unlimited cashback on flights, hotels, shopping, and vouchers purchased through the RBL Bank Rewards Portal, along with 1% cashback on all other eligible purchases, up to INR 1,500 per billing month. All cashback is credited directly to the cardholder's RBL Bank Savings Account, making wealth accumulation seamless and straightforward. The card offers meaningful milestone rewards, with an additional INR 2,000 cashback on annual spends of INR 4 lakhs and a further INR 4,000 cashback upon reaching INR 6 lakhs in a membership year. Travel perks include two complimentary domestic airport lounge visits per calendar quarter and two annual international lounge visits through Priority Pass. Lifestyle benefits include a Buy 1 Get 1 free movie ticket offer on BookMyShow each month, plus a 1% fuel surcharge waiver across all fuel stations. The annual membership fee of INR 2,500 is fully waived for Signature Banking customers. When combined with up to 6% savings account interest and 7.2% fixed deposit returns available through the Signature Banking relationship, the card contributes to an impressive total annual yield of up to 16.6%, making it a compelling wealth-focused financial tool.

Expert Review

Our Verdict

Exclusive Signature Banking card with 4% cashback on portal, lounge access & milestone rewards.

Frequently Asked QuestionsAbout Signature Banking Credit Card

ELIGIBILITYWho is eligible to apply for the Signature Banking Credit Card?
The Signature Banking Credit Card is exclusively designed for RBL Bank's Signature Banking customers. You must hold a Signature Banking relationship with RBL Bank to be eligible for this card. It is not available to general public or non-Signature Banking customers. If you are interested in becoming a Signature Banking customer, you can contact RBL Bank directly to understand the qualifying criteria for the Signature Banking program.
FEESWhat is the annual fee for the Signature Banking Credit Card?
The Signature Banking Credit Card has an annual membership fee of INR 2,500. However, this annual fee is completely waived off for Signature Banking customers of RBL Bank. So if you hold a valid Signature Banking relationship with RBL Bank, you effectively enjoy this credit card at zero annual cost, making it a highly cost-effective option for Signature Banking customers.
FEESIs there a joining fee for the Signature Banking Credit Card?
There is no joining fee applicable for the Signature Banking Credit Card. The card comes with an annual membership fee of INR 2,500, which is waived off for Signature Banking customers. Non-Signature Banking customers are not eligible for this card. You can enjoy all the card benefits from the moment you receive your card without paying any one-time joining or issuance fee.
REWARDSWhat cashback can I earn on the Signature Banking Credit Card?
The Signature Banking Credit Card offers two levels of cashback: First, you can earn unlimited 4% cashback on purchases across categories like Flights, Hotels, Shopping, and Vouchers on the RBL Bank Rewards Portal. Second, you can earn 1% cashback on all other eligible purchases, capped at INR 1,500 per billing month. The cashback is directly credited to your linked RBL Bank Savings Account. Certain categories like fuel, utilities, insurance, and railways are excluded from cashback eligibility.
USAGEHow is the cashback credited and what is the redemption fee?
The cashback earned on the Signature Banking Credit Card is credited directly to your RBL Bank Savings Account, making it convenient and straightforward. However, please note that a redemption fee of INR 99 plus GST is applicable each time you redeem your cashback. It is advisable to accumulate sufficient cashback before redeeming to ensure the redemption fee does not significantly impact your net earnings. Please refer to the Product Terms & Conditions for details on cashback validity.
REWARDSWhat are the milestone cashback benefits on this card?
The Signature Banking Credit Card offers attractive milestone cashback benefits. You can earn INR 2,000 cashback when your eligible purchases reach INR 4 lakhs in a membership year. Additionally, you can earn an extra INR 4,000 cashback if your eligible purchases reach INR 6 lakhs in the same membership year. This means you can earn up to INR 6,000 in total milestone cashback annually, rewarding higher spenders generously.
BENEFITSWhat airport lounge access benefits does the Signature Banking Credit Card offer?
The Signature Banking Credit Card offers both domestic and international airport lounge access benefits. For domestic travel, you get 2 complimentary lounge accesses at major airports within India every calendar quarter. For international travel, you get 2 complimentary lounge accesses outside India annually, powered by Priority Pass. To avail lounge access, simply swipe your Signature Banking Credit Card at the lounge entrance. You can visit the RBL Bank website for the complete list of eligible domestic and Priority Pass lounges.
BENEFITSWhat is the Buy 1 Get 1 movie ticket offer on this card?
The Signature Banking Credit Card offers a Buy 1 Get 1 Free movie ticket benefit every month. When you purchase 2 or more movie tickets on BookMyShow using this card, you get one ticket free, with a maximum discount of INR 250 per month. This benefit is available once per month and is a great way for movie enthusiasts to save on entertainment expenses. For detailed terms and conditions of this offer, please refer to the BookMyShow offer page on RBL Bank's website.
BENEFITSWhat is the fuel surcharge waiver benefit on the Signature Banking Credit Card?
The Signature Banking Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India. This waiver is applicable on fuel transactions between INR 500 and INR 4,000. The maximum fuel surcharge waiver you can avail is INR 250 per billing month. This benefit helps reduce the additional cost typically charged when paying for fuel using a credit card, making everyday fuel purchases more economical for cardholders.
REWARDSWhich transaction categories are excluded from cashback and milestone benefits?
Several categories are excluded from cashback, milestone benefits, and lounge benefits on the Signature Banking Credit Card. These include: Fuel, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services, Contracted Services, Cash transactions, Miscellaneous, Bills2Pay, and EMI conversions of retail transactions (including Split-N-Pay and EMI conversions at POS/Web/Mobile App). It is recommended to refer to the complete Product Terms & Conditions on the RBL Bank website for a comprehensive list of all exclusions.
BENEFITSWhat is the overall annual yield I can expect from the Signature Banking Credit Card?
RBL Bank estimates an annual yield of 16.6% when combining all Signature Banking benefits. This includes up to 6% annual interest on your Savings Account, up to 7.2% annual interest on Fixed Deposits, and credit card benefits worth up to INR 34,500 annually (with a value back of 5.8% and cash value back of 2.2%). The credit card alone can provide annual benefits up to INR 34,500 when milestone cashback, movie offers, lounge access, and other perks are fully utilized.
USAGEHow can I redeem my cashback earned on the Signature Banking Credit Card?
The cashback earned on the Signature Banking Credit Card is redeemed directly into your linked RBL Bank Savings Account. To initiate redemption, you can use the RBL Bank MyCard Mobile App or log in to your online credit card account portal. Please note that a redemption fee of INR 99 plus applicable GST is charged per redemption request. Ensure you check the cashback validity period mentioned in the Product Terms & Conditions before initiating a redemption to avoid losing accumulated cashback.
INTERNATIONALCan I use the Signature Banking Credit Card for international transactions?
Yes, the Signature Banking Credit Card can be used for international transactions. Additionally, the card provides 2 complimentary international airport lounge accesses annually through the Priority Pass program. However, the forex markup fee details for this card are not explicitly mentioned on the page. It is recommended to check the Schedule of Charges or contact RBL Bank customer care for information on foreign currency transaction fees applicable on this card before using it abroad.
APPLICATIONHow do I apply for the Signature Banking Credit Card?
The Signature Banking Credit Card is exclusively available to RBL Bank Signature Banking customers. If you are an existing Signature Banking customer, you can apply for the card by logging into your RBL Bank online banking account, visiting the nearest RBL Bank branch, or contacting RBL Bank customer care. If you are not yet a Signature Banking customer, you would first need to qualify for the Signature Banking program. Visit the RBL Bank website or contact the bank directly for guidance on eligibility and the application process.
CANCELLATIONHow can I manage or cancel my Signature Banking Credit Card?
You can manage your Signature Banking Credit Card through multiple channels offered by RBL Bank. These include the RBL MyCard Mobile App, Online Banking portal, and the Card Settings section on the RBL Bank website, where you can set your PIN, activate your card, and switch the card on or off for security. To cancel or close your credit card, you can contact RBL Bank's customer care, raise a query through the online portal, or visit your nearest RBL Bank branch with valid identification documents.

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