Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • RBL Bank Icon Credit Card

    The RBL Bank Icon Credit Card is designed to complement an individual’s lifestyle. It gives maximum benefits and discounts when used during weekends. The joining fee of the card is Rs.500.

    In addition, customers can avail these complimentary services:

    • Lounge access
    • Gifts and cashback
    • Discounts on services
    • Concierge services
    • Gold privileges
    • Entertainment offers
    • Milestone benefits (for accomplishing the annual spends)

    Features and Benefits of RBL Bank Icon Credit Card

    • It offers two complimentary visits to the lounge on a quarterly basis at primary airports within India.
    • It gives access to more than 850 lounges at international airports, given that the cardholder has the membership for the Priority Pass. The access to these lounges is charged a maximum of $27 for each visit.
    • It offers reservation and referral assistance for major golf courses.
    • It offers reservation and referral assistance for limousine and other car rental services.
    • It offers reservation and referral assistance for hotel bookings.
    • It offers reservation assistance for concerts and special events.

    RBL Bank Icon Credit Card Benefits

    • It offers 20,000 reward points as a welcome bonus gift.
    • It offers “buy 1 get 1 free” on movie tickets two times a month on purchases made at BookMyShow.
    • It offers dining privileges at premium restaurants like Jaypee, ITC, and Taj. This includes a cup of delicious dessert or a glass of luxury wine.
    • It offers grand hotel stays and complimentary meals and room upgrades with hotels like Four Seasons, Oberoi, and Mandarin Oriental.

    Rewards of RBL Bank Icon Credit Card

    The rewards offered by the RBL bank on the Icon Credit Card are amazing. The earned reward points can be redeemed for shopping vouchers, hotel stays, air travel, etc.

    The cardholder can earn a maximum of 2,000 reward points every month, especially on weekend dining and international spends. The reward program includes the following:

    • It offers 2 reward points for every Rs.100 that you spend.
    • It offers 20 reward points for every Rs.100 that you spend on international and weekend dining.
    • It offers 10,000 reward points if you spend Rs.3 lakh in a year.
    • It offers an extra 15,000 reward points if you spend Rs.5 lakh in a year.
    • It offers additional 20,000 reward points if you spend Rs.8 lakh in a year.

    Fees and Charges of RBL Bank Icon Credit Card

    Particulars Charge
    Annual Fee Rs.500
    Finance charges (Retail and Cash) APR up to 3.99% p.m. (47.88% p.a.)
    Cash Advance Transaction fee 2.5% (min Rs.500) of the cash amount
    Overdue Penalty / Late Payment Fee 15% of Total amount due (Min Rs.50, Max Rs.1,250)
    Over Limit Penalty Rs.600
    Cash Payment at branches Rs.250 cash deposit transaction at RBL Bank branch
    Surcharge on Purchase / Cancellation of Railway Tickets IRCTC Service charges and Payment Gateway. Transaction charge [Up to 1.8% of (ticket amount +IRCTC service charge)]
    Fuel Transaction Charge for transaction made at petrol pumps to purchase fuel 1% Surcharge on Fuel transaction value or Rs.10, whichever is higher
    Foreign Currency Transaction Up to 3.5%

    Eligibility Requirements for RBL Bank Icon Credit Card

    The eligibility criteria for applying the RBL Bank Icon credit card are as follows:

    For a salaried employee:

    • The minimum age requirement is 21 years.
    • The maximum age requirement is 60 years.
    • The monthly income has to be Rs.12,000.

    For a self-employed:

    • The minimum age requirement is 21 years.
    • The maximum age requirement is 65 years.
    • The annual income has to be Rs.2 lakh.

    Documents For RBL Bank Icon Credit Card

    The mandatory documents required for applying the RBL Bank Icon credit card are as follows:

    • A copy of the ID proof (PAN card or Aadhar card or Driving licence).
    • A copy of the address proof (electricity bill or rent agreement or passport).
    • A copy of the salary slips for the last 6 months.
    • A passport size photograph.

    How to Apply for RBL Bank Icon Credit Card Online?

    The process to apply for the RBL Icon Credit Card is simple and quick. The steps are explained below:

    • Step 1: Go to the official website of RBL Bank. (https://www.rblbank.com/product/credit-cards/rbl-bank-icon-card)
    • Step 2: From the menu, click on Personal > Credit Cards > choose RBL Icon Credit Card.
    • Step 3: The webpage redirects to the detailed page of the Icon Credit Card, which upon scrolling shows an option ‘Apply Now’. Click on it.
    • Step 4: An alert message pops up, saying that it is going to redirect to a new webpage. Click ‘Proceed’.
    • Step 5: The personal details are to be entered next. Enter the city name, gender, date of birth, first and last name, contact number, and email address.
    • Step 6: Once the details are entered correctly, click the button ‘Proceed’.
    • Step 7: Similarly, the work details have to be entered. This includes the organization, salary or annual income, and other essential information.
    • Step 8: Once that is done and the information is approved, the approval is instant.

    FAQs on RBL Bank Icon Credit Card

    1. How to maximize the benefits of this credit card?

      The benefits can be maximized if you do the following:

      • Use the card for international spends
      • Use the card whenever you dine
      • Utilize the complimentary golf benefits
      • Use the card most during weekends
    2. When is this card useful?

      The RBL bank Icon credit card is useful only for people who are looking for a better reward plan with added benefits. Also, if the lifestyle calls for it and if you are ready to pay the additional charges that come with it, it is certainly worth.

    3. Why should you avail this credit card?

      You can apply for an RBL Bank credit card if you are looking for the following:

      • Better reward programs
      • Additional bonuses for reaching the milestones
      • Complimentary benefits
      • Concierge services
      • Deals and offers on entertainment
      • Discounts on various day-to-day services
      • Golf privileges
    4. How does the overseas transaction work on this card?

      For every international transaction, the card charges 3.5% of the transaction amount. If the international transaction is other than the US currency, then the total transaction amount will be first converted to US dollars and then the 3.5% FTF (Foreign Transaction Fee) will be charged.

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