RBL Insignia Preferred Banking World Credit Card Review

The RBL insignia preferred banking world mastercard credit card is one of the most premium credit cards offered by RBL Bank. Targeting the notch section of Indian credit card users this card offers a complimentary priority pass membership, complimentary golf rounds, attractive dining benefits, and lots more. If you are interested in this RBL bank invite-only credit card, then make sure to go through the complete review to know more about the rbl credit card benefits.

How does the rbl bank insignia credit card eligibility criteria work?

  • 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 get a higher credit limit on this RBL rbl insignia credit card.
  • It is an Invite-Only Credit card. 

You can apply for this card from the RBL credit card apply online portal. As you submit your rbl credit card application, you will get a unique application id. Later you can use that to track your rbl credit card application status from the rbl credit card application tracking page

What documents are required to apply for the RBL insignia 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
      • Recently audited financial report. 

As per the new credit card rules, all new rbl bank cards are delivered in an inactive state, and to start using your rbl new credit card, you need to activate it manually by generating a new credit card PIN. You can get some help on the rbl bank credit card pin generation process from the 100xGain FAQ page

What are the RBL Insignia Credit Card fees?

  • RBL insignia credit card joining fee: None. 
  • RBL insignia credit card annual fee: None.

What are the RBL Insignia preferred card benefits?

  • Make every transaction rewarding:

Category of transaction

Rate of earning rbl credit card reward points

Domestic transactions

5 rbl reward points for each Rs.100 transaction

International transactions

10 rbl credit card rewards for each Rs.100 transaction

You can use your earned rbl bank credit card reward points for travel booking, mobile recharge, bill payment, or to get a product from the rbl credit card reward points redemption catalogue

  • Add comfort to your travel:

RBL has decorated this credit card with free lounge access benefit. You will get up to 6 free access to Priority pass lounges under the priority pass program. This rbl free credit card also gives you some free access to some of the selected domestic airport lounges. 

  • Make evenings entertaining:

If you use this rbl lifetime free credit card to book movie tickets, you will get a flat Rs.500 discount on it. This rbl credit card bookmyshow offer is applicable on the tickets booked from BookMyShow.  

  • Make holidays more exciting:

With this rbl insignia credit card, you can enjoy the Premium Hotel experience at most of the premium hotels. You can enjoy late check-out, Free WIFI, Room Up-gradation, Free Breakfast, and lots more. 

  • Dine with more delight:

With this RBL insignia credit card, you can enjoy exclusive offers on dining at most of the frontline restaurants in India.

  • Get freedom from fuel surcharges:

This rbl credit card features a 1% waiver on fuel surcharges across all fuel stations in India. This rbl credit card offer is applicable on transactions between Rs.500 to Rs.4,000 and you can earn a maximum of Rs.250 waiver in an rbl bank credit card statement cycle.

  • Enjoy golfing at a discounted rate:

This rbl bank credit card offers complimentary access to some of the selected golf courses in India and one golf lesson every rbl credit card statement cycle. Also, this rbl bank credit card offers up to a 50% discount on green fees. 

  • Get a chance to earn more:

If you can spend Rs. 8 lakh within a year, then you will get a chance to win gift vouchers worth Rs.8000 from top brands like; Amazon, Myntra, Croma, MakeMyTrip, and Titan. You can track your credit card usage from your net banking account, click here to go to the rbl credit card login page.

  • Add luxury to your lifestyle:

This rbl bank credit card will get you invited to most of the premium events. Also, the rbl bank credit card customer care team will help you to ensure your preferred seat.

  • Convenient rbl credit card online payment options:

You can pay your monthly credit card payment from your rbl credit card netbanking account or by using any credit card bill payment app like Cred, Paytm, Phone Pe, Google Pe, etc.

  • Cutting edge security:

This rbl card is armed with the advanced EMV chip. It stores your credit card details using a very strong encryption method that makes your rbl credit card nearly impossible to clone.  

But if you notice something suspicious with your credit card account, you should immediately inform it by calling the rbl credit card customer care number. You can also immediately block your card if you want to know, how to close rbl credit card temporarily? then make sure to take a look at our faq page.

What are the rbl insignia preferred card charges?

Particulars

Payable amount

RBL credit card cash withdrawal charges

2.5% against the amount, min Rs. 500 (Check your available rbl bank credit card limit before making a withdrawal)

RBL bank card finance charge

The RBL credit card interest rate can go up to 3.99% monthly (Applicable if your rbl credit card payment is not made within the due date)

RBL credit card international transaction charges

3.5% against the transaction amount

RBL bank credit card add-on card fee

None. 

How can I speak to RBL customer care?

If you don’t want to continue with your old RBL credit card and are thinking about how to cancel rbl credit card account permanently? Then feel free to visit our faq page for the complete process.

100xGain Ratings: 

8/10

Pros and cons of the rbl insignia credit card:

Pros 

Cons

  • You will get a complimentary priority pass membership with this rbl bank card.
  • You can enjoy some exciting deals on movie tickets and dining.
  • The rate of earning rbl credit card rewards points is quite impressive.
  • There are no cashback or discount offers on this rbl credit card.

If you are thinking, ‘Which credit card is best in RBL Bank?’ then make sure to visit our RBL credit cards page and find out the card that suits your needs.

Final Opinion:

After analyzing the rbl bank insignia card benefits, it can be said that it is one of the super-premium credit cards from RBL. It offers reward benefits, lounge access, movie benefit, hotel booking, Dining, golf benefit, Accor Plus membership, etc. So if you are looking for a premium credit card then you must go for this card. 

But since it is an Invite-only credit card, you cannot apply for this card unless you got the invitation from the bank. In that case, you can visit our top credit card pages to find out the most suitable card for yourself. You can also take a look at the alternative card options given below. 

Alternative cards of the rbl bank insignia card: 

  1. ICICI Bank Ascent American Express Credit Card. (Best for reward points and lounge access benefits)
  2. IndusInd legend credit card (Best for lounge access and golf benefits)
  3. Kotak Mahindra league platinum credit card (Best for reward points and golf benefits)
  4. RBL IGU NHS Golf World Card. (Best for golf and lounge access benefits)

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