Super Premium
Zero Forex
RBL Insignia Preferred Credit Card
RBL 7.9
CardTrail Score
Very Good
out of 10
Annual Fee
₹10,000
Spend ₹10L/year
Forex Markup
0%
No extra charge
Reward Rate
1.5%
Up to 5%
Lounge Access
Unlimited
domestic | 8 intl
About This Card
The RBL Insignia Preferred Credit Card is a super-premium credit card from RBL with an annual fee of ₹10,000. It offers a base reward rate of 1.5% with up to 5.0% on select categories. Key perks include zero forex markup, unlimited lounge access, fuel surcharge waiver. Best suited for frequent travellers and luxury spenders.
Pros & Cons
Pros
- Competitive 1.5% reward rate
- Zero forex markup — great for international use
- Generous lounge access benefits
- Fuel surcharge waiver saves on petrol/diesel
Cons
- High annual fee of ₹10,000
- Requires minimum ₹15L annual income
Fee Details
Annual Fee
₹10,000
Joining Fee
₹10,000
Fee Waiver Condition
Spend ₹10L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
1.5%
Max Rate
5%
Currency
Reward Points
Welcome Bonus
10,000 Reward Points
Lounge Access
Domestic Lounges
Unlimited
International Lounges
8
per year
Key Highlights
- + Annual fee ₹10,000 (waiver: Spend ₹10L/year)
- + Up to 5.0% rewards on accelerated categories
- + Zero forex markup on international spends
- + Unlimited domestic lounge access
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Quick Summary
Best For
travel luxury
Annual Fee ₹10,000
Base Reward 1.5%
Max Reward 5%
Forex Markup 0%
Network Mastercard World
Min Income ₹15L+
CardTrail Score
Best For
travel luxury
