RBL Bank Icon Credit Card Review

By | March 3, 2021

RBL has launched its credit card named Icon Credit Card. They kept it above  RBL Bank Platinum Maxima Credit Card and RBL Bank Platinum Delight. RBL bank introduced this card as a premium card.

It is designed to suit all your lifestyle needs. It offers a variety of services that gives you an advanced level of luxury and convenience.


Annual Membership FeeRs.5000+Taxes


  • For Salaried Applicants: Greater than Rs.25,000 per month
  • For Self Employed Applicants: Greater than Rs.25,000 per month

RBL Icon Credit Card Reward Point

RBL Bank Icon Credit Card Rewards
  • Welcome Gift of 20,000 Reward points

Regular Reward

  • 2 Reward Points for every Rs.100 spent.
  • 20 RP for every Rs.100 spent on weekends, either internationally or domestically
  • 1RP = 23Paisa

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Milestone Rewards

  • On spending Rs.3,00,000 in a year, you’ll earn 10,000 points as rewards
  • Also on spending Rs.5,00,000 in a year will give you an additional reward of 15,000 points
  • On another Rs.8,00,000 spend, 20,000 points will be earned

If you spend eight lacs in a year, then you’ll get a total annual benefit up to Rs.42,083. RBL provides an excellent function of calculating the value that you can earn on your spending goal.

RBL Icon Credit Card Benefits

  • 1+1 Movie ticket (Up to Rs.200) twice a month at BookMyShow.
  • Relish mouth-watering flavors with dining privileges like a complimentary glass of premium wine or a yummy dessert at any of our participating premium restaurants.
  • Enjoy grander hotel stays with complimentary room upgrades, complimentary meals, and other offers at our hotel partners.
  • You can get access to the selected golf course across the country.

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Airport Access

  • 2 visits/quarter
  • Access 1200+ airport lounge through Priority Pass Membership.
  • Each visit will charge $27 per person.


RBL Bank Icon Credit Card Concierge
  • Golf Course Referral and Reservation Assistance
  • Car Rental and Limousine Referral and Reservation Assistance
  • Hotel Referral and Reservation Assistance
  • Business Services
  • Special Events and Performance Assistance
  • Dining Referral and Reservation Assistance
  • Flower and Gift Delivery Assistance


  • Foreign currency markup: 3.5%
  • Fuel surcharge waiver: 1% fuel surcharge
  • Reward rate: ~2.8%
  • Lounge access: 2/qtr

Our Suggestion

This is a nice beginner card giving ~3% of return.

Although it charges a high joining fee as a beginner card, it worth giving if you spend a good amount of money using it.

As already mentioned above, on spending 8 lacs in a year, you’ll get a total annual benefit up to Rs.42,083.

We have used this card for a period of time and really appreciate the services provided by the bank.

How to apply?

RBL Bank Icon Credit Card how to apply

You can apply for the card in the following manner:

  1. Visit the credit card application page of the RBL Bank website
  2. Check up eligibility for the card
  3. Fill up all the information to apply for the card
  4. Submit all the necessary documents required for the credit card

Documents Required

  • Identity Proof: PAN Card, Aadhar Card, Voter’s ID Card, Driving License, Ration Card
  • Address Proof: Aadhar card, Voter’s ID, Ration Card, Electricity Bill, Lease/Rent Agreement, Utility Bills
  • Income Proof: Salary Slip of last 6 months
    • Bank Statement of last 6 months
    • ITR of an annual year


Strength Weakness
Lounge accessHigh fees
Complimentary golf lessons

Bottom Line

The offers provided by RBL are average; there are no more perks as such to consider. They also charge for the cards, which HDFC offers for free. RBL is required to learn this game from HDFC.

By the way, if you’re an RBL bank account holder and looking for a credit card with basic spending, you can go for this; otherwise, you may choose from HDFC Regalia and HDFC AllMiles.


What is the reward rate for the RBL Bank Icon Credit card?

The reward rate of the card somewhere lies between 0.5-5%

How do they charge overseas transaction takes place on this card?

This card charged 3.5% fee on foreign transaction and in case if currency is not US dollar then first it is converted to USD and the markup fee is charged.

Is lounge accessible through RBL credit card?

Yes you can access domestic as well as international airport lounge via your Rbl credit card. You don’t even require Priority Pass for doing so.

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