M16S / RBL Bank / RBL Insignia / Insignia Preferred Banking Credit Card
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RBL Insignia / Insignia Preferred Banking Credit Card
The RBL Insignia / Insignia Preferred Banking Credit Card costs Rs 7,000 a year, waived if you spend Rs 10,00,000 in a year. It earns 5 points per Rs 100 domestic. Accelerated earn: 10 points per Rs 100 international. The forex markup is 1.5%. Lounge visits in India: 2 per calendar quarter. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 7,000+ GST
- Fee waived at
- Rs 10,00,000annual spend
- Base return
- —
- Forex markup
- 1.5%
- Interest
- 3.4%a month
Apply on rbl.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 7,000 |
| Annual spend that waives the fee | Rs 10,00,000 |
| Fee notes | Rs 7,000 + GST; nil for RBL Insignia Preferred Banking customers; waived on Rs 10 lakh annual spend |
Rewards
| Welcome benefit | 28,000 bonus points (paid variant only) after use in 30 days and fee payment |
|---|---|
| Reward currency | Reward Points |
| Base earn | 5 points per Rs 100 domestic |
| Accelerated earn | 10 points per Rs 100 international |
| Milestone benefits | Vouchers worth Rs 8,000 on Rs 8 lakh annual spend |
| Reward notes | base_return_pct null: issuer page gives no rupee value per point. No redemption fee on Insignia. |
Travel and perks
| Domestic lounge | 2 per calendar quarter |
|---|---|
| International lounge | 6 per calendar year via Priority Pass, shareable with guests; 1 extra voucher on Rs 1 lakh spend in a calendar month |
| Lounge conditions | No spend condition stated for domestic; beyond quota up to USD 35 |
| Forex markup | 1.5% |
| Fuel surcharge waiver | 1% on Rs 500-4,000 transactions, cap Rs 500/month |
| Other freebies | BookMyShow Rs 500 off twice a month; golf 4 rounds a year and 1 lesson a month (Mastercard); concierge; EazyDiner Prime dining offers |
Charges and eligibility
| Interest per month | 3.4% |
|---|---|
| Late payment fee | 12.5% of total amount due, min Rs 5, max Rs 1,300 |
| Cash advance fee | 2.5% min Rs 500 |
| Eligibility | Nil-fee variant via RBL Insignia Preferred Banking relationship manager |
| Fine-print notes | Interest 3.4% per month per MITC. Exclusion list not shown on the page. Issuer MITC: reward redemption fee Rs 99 + GST per redemption day; 1% fee on rent, on utility spend above Rs 50,000/month, on fuel transactions above Rs 10,000, on education via third-party apps and on FASTag/toll transactions above Rs 10,000. Offline UPI spends under Rs 2,000 at small merchants earn nothing on RuPay variants. |
Questions
- What is the annual fee of the RBL Insignia / Insignia Preferred Banking Credit Card?
- Rs 7,000 a year, before GST. It is waived if you spend Rs 10,00,000 in a year.
- Does the RBL Insignia / Insignia Preferred Banking Credit Card give airport lounge access?
- Yes. In India: 2 per calendar quarter. Outside India: 6 per calendar year via Priority Pass, shareable with guests; 1 extra voucher on Rs 1 lakh spend in a calendar month. Conditions: No spend condition stated for domestic; beyond quota up to USD 35
- What is the forex markup on the RBL Insignia / Insignia Preferred Banking Credit Card?
- 1.5% of each foreign-currency transaction, before GST.