Icon Credit Card
Fees
₹5,000 + Taxes
Joining & AnnualReward Rate
20 points per ₹100 (capped 2,000/month each) on international spends & weekend dining; 2 points per ₹100 on other spends
Welcome Bonus
20,000 Reward Points (worth ₹5,000) welcome bonus
Lounge Access
2 Domestic/Qtr + Priority Pass International
FindMyCard Expert Take
The Icon Credit Card from RBL Bank offers Luxury Travel, Dining & Concierge Services with an annual fee of ₹5,000 + Taxes.
Pros & Cons
Key Advantages
- 20,000 Reward Points (worth ₹5,000) welcome bonus
- 20 points per ₹100 on international spends and weekend dining
- Dedicated concierge for dining, travel, events & car rentals
- Fee waiver threshold (Annual fee waived on ₹7.5 Lakh annual retail spends)
Limitations
- Accelerated categories are capped at 2,000 points/month each
- International lounge visits beyond the Priority Pass allowance cost up to $35/visit
- Base reward rate on general spends is a modest 2 points per ₹100
Editorial Verdict
The Icon Credit Card is ideally suited for luxury travel, dining & concierge services. If you want 20 points per ₹100 (capped 2,000/month each) on international spends & weekend dining; 2 points per ₹100 on other spends, this card delivers real value. The ₹5,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good (730+) credit to be approved.
Key Perks & Spending Milestones
Accelerated reward earn rate on premium purchases
1% fuel surcharge waiver on transactions between ₹400 and ₹4,000
Up to 50 days of interest-free credit period
Zero lost card liability protection
🚀 Milestone Spends Timeline
Annual fee waived on ₹7.5 Lakh annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹5,000 + Taxes
💡 Annual fee waived on ₹7.5 Lakh annual retail spends
Regular Interest Charges
3.6% per month (43.2% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹500 |
| 1001 to 5000 | ₹600 |
| 5001 to 10000 | ₹750 |
| 10001 to 25000 | ₹900 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Insurance & Protection Benefits
air accident cover
Up to ₹50 Lakh
lost card liability
Up to ₹1 Lakh
purchase protection
Nil
emergency medical cover
Nil
Eligibility Criteria
salaried minimum income
₹25,000 per month
self employed ITR
₹6 Lakh per annum
age
21 to 65 years
Compare Icon Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Icon Credit Card This Card | ₹5,000 + Taxes | 20 points per ₹100 (capped 2,000/month each) on international... | 2 Domestic/Qtr + Priority Pass International | 4.7/5 |
| Axis Bank Reserve Credit Card | ₹50,000 + Taxes | 15 EDGE points per ₹200 domestic spend; 30 EDGE points per ₹200... | Unlimited + 12 Guest Visits/yr | 4.9/5 |
| IDFC FIRST Diamond Reserve Credit Card | ₹3,000 + Taxes | Up to 60 points per ₹150 on hotel bookings (10% value-back) and 40... | 8 Domestic + 8 International/yr (₹20K Spend) | 4.9/5 |
| SBI Aurum Card | ₹9,999 + Taxes | 4 Reward Points per ₹100 on all spends (1% base); up to 3.7%... | 4 Domestic/Qtr + Unlimited International | 4.8/5 |