RBL Icon Credit Card Review

RBL Bank Icon Card is a credit card from RBL Bank, it is a MasterCard credit card with a built-in EMV chip. This card is a lifestyle credit card, specially designed to add a new level to your lifestyle. This card comes with several features and benefits for its customers like – Big cash-back and rewards, Lounge access, Premium privileges, Milestone Benefits, Entertainment offers Concierge Service, Add-on facility, and a lot of other useful rbl credit card features. This card can upgrade your lifestyle and make your life much easier. You can find more about the rbl bank credit card benefits below. 

RBL Icon Credit Card Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above Rs. 25,000 monthly.
  • A good CIBIL Score (750 or more) is needed to apply for this card. 

You can apply for this card from the online rbl bank credit card application portal. Once your application is submitted successfully, you can track the status of your rbl bank credit card status online using your application id from the rbl bank card status tracking page.  

Documents Required To Apply For RBL Icon Credit Card:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 

RBL Icon Card Fees:

  • Rbl credit card joining fee: Rs. 5,000 + GST
  • Rbl credit card annual fee: Rs. 5,000 + GST

RBL Credit Card Benefits:

  • Welcome benefit:

With the issuance of the card, you will get 20,000 rbl card rewards as a welcome gift. To get the benefit you have to pay the first-year joining fee within time and make a purchase with this card within 30 days of card issuance. 

If you are not satisfied with your current credit limit and thinking about how to increase rbl credit card limit? then feel free to take a look at the 100xGain faq page you will find the solution there. 

  • Earn reward points on every transaction:

This rbl credit card offers 2 reward points for each Rs. 100 transaction made with this card. You will also get 20 reward points for the same on international transactions 

You can use your earned rbl credit card reward points for mobile recharge, travel booking, bill payment, etc. You can also use them to get a product from the rbl bank rewards catalog.

  • Free access to airport lounges:

This RBL icon credit card offers 2 free lounge access per quarter at most of the premium domestic airport lounges. RBL also has decorated this credit card with international lounge access benefits. You will get complimentary membership of the Priority Pass Program, which gives you free access to over 1200+ overseas airport lounges.

  • Attractive deals on hotel booking:

With this card, you can enjoy premium dining and luxurious hotel stays at most of the premium restaurants and hotels. You can also enjoy complimentary upgrades of hotel rooms at most of the premium hotels.

  • Attractive RBL credit card offers on bookmyshow to make your evenings better:

If you book a ticket from BookMyShow you will get another movie ticket (max ticket value Rs.  200) completely free.  

  • Free golf round for refreshing weekend:

This card allows you to enjoy Golf games at most of the frontline golf courses in India. You will also get big discounts on green fees, along with some free golf lessons to sharpen your techniques.

  • Extra benefits on milestone spending:

Total spend

benefits 

Rs. 3 lakh within a year

10,000 rbl bank reward points

Rs. 5 lakh within a year

Extra 15,000 rbl credit card rewards

Rs. 8 lakh within a year

Extra 20,000 rbl card reward

You can check the status of your credit card usage and earned rbl bank rewards points from the rbl credit card app

  • A multilingual concierge service to take care of your needs:

This card comes with a world-class concierge service, they can help you by recommending golf courses, Restaurants, Spa, or by referring Limousine/booking, they can also book a hotel for you on your need. Also, they can help you with your business needs if you want to. 

  • Priority access to most of the premium events:

This card gives you an invitation to most of the Iconic events including Award nights, Formula 1 racing, and lots more. 

  • Lifetime free add-on cards:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also enjoy the benefits of the credit card without paying for it.

  • Security of the advanced EMV chip:

On this credit card, rbl bank offers the security of the advanced EMV Chip. This chip uses a very strong encryption method to store your data, which makes your card nearly impossible to clone.

  • Haselfree payment option:

RBL offers a number of convenient rbl bank credit card payment options for its customers, you can pay your monthly credit card bill via your rbl bank credit card online banking account or by using any credit card payment app. Also, if you don’t have access to the above-stated rbl card payment options then you can pay your credit card bill via NEFT, cheque, or from your nearby ATM.

  • Global acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted. 

RBL Credit Card Charges:

Particulars

Payable amount

Rbl bank credit card cash withdrawal charges

2.5% against the amount, min Rs. 500. Applicable once per withdrawal (Always check your rbl credit card limit before making a withdrawal)

Finance Charge

RBL is not famous for offering the lowest interest rate for credit card dues, and for this particular card, it is 3.99% monthly

RBL icon card foreign currency transaction

3.5% against the transaction amount

RBL addon credit card fee

None

RBL Icon Customer Care Contact Details:

  • Call the rbl icon credit card customer care number: 022-6232-7777 or 022-7119-0900 (Super-card)
  • Write to the rbl icon card mail id: cardservices@rblbank.com 

100xGain Ratings:

6.5 / 10

Final Opinion:

If you are looking for a low-cost lifestyle credit card, then this card can be a good option for you. You will get a welcome benefit, reward points, lounge access, golf access, free movie tickets, concierge service, and an opportunity to earn some bonus reward points. 

But if you want to spend more to get much better benefits, then you can visit our 10 top credit cards page, you can also take a look at the alternative card options given below.

Alternative Cards: 

  1. ICICI Bank Ferrari Platinum Credit Card (Best for cashback and lounge access benefits)
  2. ICICI manchester united credit card (Best for cashback and lounge access benefits)
  3. RBL Platinum Edge SuperCard (Best for reward points and lounge access benefits) 
  4. Standard chartered ultimate credit card (Best for travel and dining benefits)

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