RBL Bank Icon Credit Card

Lounge access

• Domestic: 2 complimentary lounge visits per calendar quarter in India (only if ₹35,000 or more spent in previous calendar quarter).
• International: access to 1400+ airport lounges outside India with visit charges of up to $35 per international lounge visit.
• Authorization amount of up to ₹25 charged for validation (reversed same month).
• Only primary cardmember eligible.

Verified · Icon Credit Card – Terms & Conditions (Product-specific) · 2026-08-03 · source

Charge

• Cash advance fee: 2.5% of cash amount (min ₹500).
• Finance charges: up to 3.99% p.m. (47.88% p.a.).
• Late Payment Fee: 12.5% of Total Outstanding Amount (min ₹5, max ₹1,300).
• Overlimit Fee: NIL.
• Add-on Card Fee: ₹200 per add-on cardmember.
• Foreign currency markup: 3.5%.
• Reward Redemption Fee: ₹99 + GST.
• Cash Payment at RBL Bank Branches: ₹100 per transaction.
• Fuel Transaction Charge: 1% surcharge on fuel transaction value or ₹10 whichever is higher.
• Merchant EMI Processing Fee: 1.5% of amount or ₹150 whichever is higher.
• Fee on Rental Transactions (MCC 6513): 1% of transaction amount.
• Fee on Utility Spends (MCC 4900): 1% on aggregate utility spends above ₹50,000 per month per card.
• Fee on Fuel & Auto Transactions (MCC 0032, 2541, 4001, 5542, 5541, 5172): 1% per transaction exceeding ₹10,000, capped ₹3,000.
• Fee on Select Merchants on Education Payments (MCC 8220, 8244, 8249, 8211, 8241, 8299): 1% via third-party apps.
• Cheque Return/Dishonour/Auto Debit Reversal Fee: ₹500.
• Fee on FASTag loading and Toll Payment Transactions (MCC 4784, 4111, 4131): w.e.f. January 07, 2026, 1% on transactions above ₹10,000 per transaction per card.
• Surcharge on Purchase/Cancellation of Railway Tickets: IRCTC Service Charges + up to 1.8% of ticket amount.
• GST @18% on all charges.
• Legal fee payable on default and recovery.

Verified · harvested from product page · 2026-08-03 · source

Interest-free period

• Up to 50 days interest-free (grace) period.
• Not applicable if previous month's balance not cleared in full or if cash withdrawn from an ATM.

Verified · Most Important Terms & Conditions cum Key Fact Statement – RBL Credit Cards (covers Icon) · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver, up to ₹200 per month, on fuel transactions ranging between ₹500 and ₹4,000 made using the Icon Credit Card.
• GST on fuel purchases not reversed.
• Not applicable to delinquent or closed cards.

Verified · Icon Credit Card – Terms & Conditions (Product-specific) · 2026-08-03 · source

Milestone benefit

• Up to 45,000 reward points as milestone benefit: 10,000 RP on eligible retail transactions of ₹3 lakh or more in one membership year.
• Additional 15,000 RP on ₹5 lakh or more.
• Additional 20,000 RP on ₹8 lakh or more in one membership year.

Verified · Icon Credit Card – Terms & Conditions (Product-specific) · 2026-08-03 · source

Redemption value

• Reward redemption fee of ₹99 + GST applicable on redemption of available reward points on all Credit Cards (including Icon).
• Reward points not redeemed within 24 months expire and stand forfeited.
• Reward points redeemable at RBL Bank Rewards Portal (https://rblrewards.rbl.bank.in).

Verified · Most Important Terms & Conditions cum Key Fact Statement – RBL Credit Cards (covers Icon) · 2026-08-03 · source

Reward cap

• Accelerated 20 RP per ₹100 on International Purchases and Weekend Dining capped at 2,000 reward points per month on each category.
• Beyond cap, 2 RP per ₹100.

Verified · Icon Credit Card – Terms & Conditions (Product-specific) · 2026-08-03 · source

Reward exclusion

Verified · Icon Credit Card – Terms & Conditions (Product-specific) · 2026-08-03 · source

Concierge

• Concierge desk assistance for golf course referral and reservation.
• Car rental and limousine referral.
• Hotel referral and reservation.
• Business services.
• Special events and performance assistance.
• Spa, fitness and sports centre information.
• Dining referral and reservation.
• And flower and gift delivery.
• Provided by Aspire Lifestyles India Pvt. Ltd., 24x7 Hindi and English-speaking coordinators, rendered in India only.

Verified · Icon Credit Card – Terms & Conditions (Product-specific) · 2026-08-03 · source

Dining benefit

• Movie discount on BookMyShow: INR 200 discount on buying 2 or more movie tickets, twice a month (max discount per month capped to INR 400), valid for movie shows on any day of the week.
• Applicable only on primary Card, not on add-on Cards.

Verified · Icon Credit Card – Terms & Conditions (Product-specific) · 2026-08-03 · source

Golf benefit

• Get easy access to premier golf courses across India.
• 4 complimentary rounds of green fee in a year and one golf lesson each month.
• 50% discounted green fee beyond 4 complimentary rounds.
• Golf benefit complimentary only for MasterCard holders.
• Advance notice of 7 days required (MasterCard World Card Golf helpline 1800 102 6263).

Verified · Icon Credit Card – Terms & Conditions (Product-specific) · 2026-08-03 · source

Insurance

• Select Credit Card variants offer complimentary insurance coverage for the Cardmember.
• Policy coverage starts from the date of Credit Card set up.
• Insurance covers vary from card to card and are governed by the concerned insurance company's policies (refer to Product Terms & Conditions for nominee/details).

Verified · Most Important Terms & Conditions cum Key Fact Statement – RBL Credit Cards (covers Icon) · 2026-08-03 · source