RBL Bank Icon Credit Card
•••• •••• •••• 4242
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Quick facts
RBL Bank Icon Credit Card
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RBL Bank Icon Credit Card
Lifestyle & travel
RBL premium card with entertainment perks.
Key Benefits
Annual fee
₹5,000
Top rate
2X
Min income
₹50,000/mo
Eff. return
-0.96%
Realistic net value (moderate user): -₹4,630/year
After ₹5,000 fee & ₹630 forex. Based on ₹40,000/mo spend.
12,400 users matched · Verified 2026-06-12
We earn commission if approved — at no cost to you. Zero sales calls.
Our transparency promise
✓ Reward caps shown in absolute ₹ — not just "5% cashback"
✓ Exclusions listed upfront — fuel, EMI, rent, wallet
✓ Point conversions with conservative ₹/point rates
What You Actually Earn (in ₹)
Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.
Gross rewards / year
₹1,000
Before fees & forex
Costs / year
₹5,630
Fee ₹5,000 + forex ₹630
Net value / year
-₹4,630
-0.96% effective return on spend
Category-wise breakdown
Travel & flights
Spend ₹5,000/mo · 2 pts per ₹150 spend
₹200/year
₹16.67/mo
67 pts × ₹0.25 = ₹16.67/mo67 pts/mo @ ₹0.25/ptAll other eligible spends
Spend ₹40,000/mo · 1 pts per ₹150 spend
₹800/year
₹66.67/mo
267 pts × ₹0.25 = ₹66.67/mo267 pts/mo @ ₹0.25/ptEstimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.
Points → INR Conversion Guide
Marketing says "10X points" — here's what that actually means in your pocket.
travel — 2 pts per ₹150 spend
You spend
₹10,000
You earn
133 pts
Worth ≈
₹33.33
@ ₹0.25/point
all — 1 pts per ₹150 spend
You spend
₹10,000
You earn
67 pts
Worth ≈
₹16.67
@ ₹0.25/point
Redemption reality: Point value varies — cashback redemption is typically lower than travel partner transfers. We use a conservative ₹0.25/pt in calculations.
Airport lounge, golf, concierge perks
Reward Structure
Source: Issuer public T&Cs
travel
2X
all
1X
Excluded categories (no rewards)
Best for
- → Lifestyle & travel
Fees & Charges — Full Disclosure
All amounts in INR. Everything that can reduce your net value.
Joining fee
Charged in first year
₹5,000
Annual / renewal fee
Charged every year unless waived
₹5,000
Forex markup
3.5% on international transactions
Finance charges
≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid
Late payment fee
₹400–₹1,300 depending on statement balance — always pay on time
Reward redemption fee
Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee
Example: moderate user net math
Eligibility Snapshot
Public criteria from Issuer public T&Cs. Bank makes final decision.
Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.
FAQ
How much can I actually earn with RBL Bank Icon Credit Card?+
At moderate spend (₹40,000/mo), gross rewards are about ₹1,000/year. After the ₹5,000 annual fee, net value is approximately -₹4,630/year. Use the calculator above to model your own spends.
What is the minimum income for RBL Bank Icon Credit Card?+
₹50,000/month for salaried applicants (indicative — bank decides).
What spends do NOT earn rewards?+
EMI, Rent, Wallet loads.
Does CardHungry pull my CIBIL score?+
No. We use public eligibility criteria only. The bank will check CIBIL when you apply.
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