M16S / RBL Bank / RBL Signature Banking Credit Card
mid · cashback
RBL Signature Banking Credit Card
The RBL Signature Banking Credit Card costs Rs 2,500 a year. Its base return is 1% (1% cashback on eligible purchases). Accelerated earn: 4% uncapped on flights, hotels, shopping and vouchers bought through the RBL rewards portal. The forex markup is 3.5%. Lounge visits in India: 2 per calendar quarter. Abroad: 2 per year via Priority Pass. Read from the issuer's own documents on 11 Oct 2026.
- Annual fee
- Rs 2,500+ GST
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 3.5%
- Interest
- 3.99%a month
Apply on rbl.bank.inOpens the bank’s own page.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Rs 2,500 |
| Fee notes | Rs 2,500 a year; waived for RBL Signature Banking customers |
Rewards
| Welcome benefit | None stated |
|---|---|
| Reward currency | Cashback |
| Base earn | 1% cashback on eligible purchases |
| Base return | 1% |
| Point value | Cashback credited to the RBL savings account |
| Accelerated earn | 4% uncapped on flights, hotels, shopping and vouchers bought through the RBL rewards portal |
| Caps | 1% tier capped at Rs 1,500 per billing month |
| Spends that earn nothing | No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions |
| Milestone benefits | Rs 2,000 cashback at Rs 4 lakh annual eligible spend; Rs 4,000 more at Rs 6 lakh |
| Reward notes | base_return_pct = 1% cashback. No redemption fee. |
Travel and perks
| Domestic lounge | 2 per calendar quarter |
|---|---|
| International lounge | 2 per year via Priority Pass |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1% on Rs 500-4,000 transactions, cap Rs 250/month |
| Other freebies | BookMyShow buy 1 get 1 up to Rs 250 once a month |
Charges and eligibility
| Interest per month | 3.99% |
|---|---|
| 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 | RBL Signature Banking customers |
| Fine-print notes | Read on the issuer product page; product T&C PDF linked there was not opened. 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 Signature Banking Credit Card?
- Rs 2,500 a year, before GST.
- Does the RBL Signature Banking Credit Card give airport lounge access?
- Yes. In India: 2 per calendar quarter. Outside India: 2 per year via Priority Pass.
- What is the forex markup on the RBL Signature Banking Credit Card?
- 3.5% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the RBL Signature Banking Credit Card?
- No rewards on fuel & auto, utilities, insurance, quasi-cash, railways, real estate/rent, education, wallets, government services, contracted services, cash, Bills2Pay, EMI conversions