RBL Insignia Preferred Banking Credit Card Review
The RBL Insignia Preferred Banking Credit Card is RBL’s top card, offered free to customers of its Insignia Preferred Banking programme. It earns double points abroad and has a 1.5% forex markup.
The card bundles domestic lounges, Priority Pass, BookMyShow discounts, EazyDiner Prime and golf (Mastercard variant).
- No fee for Insignia customers
- 1.5% forex markup
- 10 points per ₹100 on international spends
- Priority Pass with extra visits for ₹1 lakh spending months
- ₹500 off BookMyShow twice a month
- Only for Insignia Preferred Banking customers (high relationship value)
- Point value not published by RBL
- Golf benefits only on the Mastercard variant
- Fuel waiver cap differs between RBL documents
- Priority Pass visits beyond the free quota cost up to $35
Fees and charges
| Item | Detail |
|---|---|
| Annual fee | Nil for Insignia customers; RBL’s terms list ₹7,000 + GST for other cardholders (waived at ₹10 lakh spend, with 28,000 welcome points) |
| Forex markup | 1.5% + GST |
| Fuel surcharge waiver | On ₹500–₹4,000 transactions (cap stated as ₹250 a month on the product page and ₹500 in the terms) |
Rewards: how the card earns
| Spend | Points per ₹100 |
|---|---|
| Domestic | 5 |
| International | 10 |
| Milestone | ₹8,000 voucher (Amazon, Myntra, Croma, MakeMyTrip or Taj) on ₹8 lakh spend in a membership year |
Other benefits
| Benefit | Detail |
|---|---|
| Domestic lounges | 2 visits a quarter at Indian airports |
| International lounges | Priority Pass: 6 visits a year, plus 1 extra for each month you spend ₹1 lakh |
| Movies | ₹500 off on BookMyShow, twice a month |
| Dining | EazyDiner Prime (25–50% off, 1+1 buffet) |
| Golf | 4 free rounds a year and 1 lesson a month (Mastercard variant only) |
| Hotels and concierge | Benefits at 2,400+ properties; concierge; wellness discounts |
Eligibility
Issuer
RBL Bank
Who
Insignia Preferred Banking customers
Variants
Visa and Mastercard (golf on Mastercard only)
Who this card is for
- Good fit: Insignia customers who travel abroad and want a low forex markup and strong lifestyle perks.
- Skip if: you are not an Insignia customer — the fee structure for others is much less attractive.
Alternatives worth comparing
- Best RBL Bank credit cards
- Best premium banking programmes
- Best low-forex cards
- HSBC Premier credit card
Final verdict
An excellent free card for RBL Insignia customers, especially for international travel at a 1.5% markup. Outside the programme, its ₹7,000 fee makes it far less compelling.
Frequently asked questions
Who can get the RBL Insignia card?
Customers of RBL’s Insignia Preferred Banking programme, for whom it is free.
What is the forex markup?
1.5% + GST.
How many points does it earn?
5 per ₹100 in India and 10 per ₹100 abroad.
What lounge access does it give?
2 domestic visits a quarter and Priority Pass with 6 international visits a year, plus 1 extra for each month you spend ₹1 lakh.
What is the milestone benefit?
An ₹8,000 voucher on ₹8 lakh spend in a membership year.
Last verified: October 2026, against RBL Bank’s Insignia card page and terms. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.