RBL Bank Icon Credit Card Review

If you are looking to add a touch of luxury to your daily life at an affordable rate, then you would love the rbl bank icon credit card. Targeting the educated class of Indian credit card users, this card offers free access to airport lounges, free movie tickets every month, attractive deals on hotel booking, and accelerated rewards on every transaction. In fact, this card carries enough benefits with it that it can easily justify the Rs.5000 annual fee. More about the rbl bank credit card benefits are discussed below.

What are the rbl icon credit card eligibility criteria?

  • Resident Type: Indian. 
  • RBL credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • RBL bank credit card eligibility criteria 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 icon rbl credit 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.  

What documents are required to apply for the 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. 

What are the rbl bank icon credit card fees?

  • Icon rbl credit card joining fee: Rs. 5,000 + GST
  • RBL icon credit card annual fee: Rs. 5,000 + GST

What are the rbl icon credit card benefits?

  • A huge gift to welcome you:

As you pay the first-year rbl credit card joining fee, and perform your first successful transaction within the first 30 days of your card activation, you will receive 20,000 bonus rbl card rewards as a welcome gift.

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 our rbl credit card faq page you will find the solution there. 

  • Earn reward points from every transaction you make:

This rbl credit card offers a powerful reward scheme that can make your every transaction rewarding. 

Category of transactions 

RBL credit card points earning rate

Every Rs.100 transaction is made using this card

2 rbl rewards 

International and dining expenses

20 rbl bank rewards 

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 that will make your travel more comfortable:

Under the RBL icon credit card lounge access program you will get up to 2 free quarterly access 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 rbl icon 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 along with other premium privileges.

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

If you use this card to book a ticket from BookMyShow, you will get another movie ticket completely free (max ticket value Rs.  200). You can get this rbl credit card offer twice a month.

  • Free golf round that will make a refreshing weekend for you:

This rbl bank icon card lets you enjoy golf games at most of the premium golf courses in India with exclusive deals on green fees and also some free golf lessons to sharpen your skill.

  • Extra benefits on milestone spending:

The rbl icon credit card reward points scheme can make your every transaction rewarding.

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 rbl credit card features a world-class multilingual concierge service, that can help you by recommending golf courses, Restaurants, Spa, or by referring Limousine/booking or booking a hotel for you on your need. They can also help you with your business needs if you want to. 

  • Get priority access to most of the premium events:

This RBL icon credit card gives you VIP invitations to most of the Iconic events including Award nights, Formula 1 racing, and lots more. 

  • Lifetime free add-on cards for your loved ones:

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

  • Convenient rbl card payment options that will make your life easier:

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 like Cred, Google pay, Paytm, Phone pe, etc. 

  • 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.

What are the 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 bank icon credit card limit before making a withdrawal)

RBL credit card finance charges

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

How to contact the RBL icon customer care department?

  • 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

What are the pros and cons of the rbl icon credit card:

Pros

Cons

  • You will get free access to domestic airport lounges.
  • There are some complimentary golf rounds on this card.
  • The rate of earning rbl credit card rewards points is quite impressive.
  • This RBL bank icon card does not offer any travel booking benefits.
  • There is no international lounge access on this rbl bank icon card.

Final Opinion:

If you are looking for a low-cost lifestyle credit card, then this rbl bank icon credit 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 too. 

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

Alternative of  icon rbl bank card

  1. ICICI 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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