Icon Credit Card
Fees
₹5,000 + Taxes
Joining & annual
Reward 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
2 Domestic/Qtr + Priority Pass International
Our Expert Take
The Icon Credit Card from RBL Bank offers Luxury Travel, Dining & Concierge Services with an annual fee of ₹5,000 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
20 points per ₹100 on international
Max 2,000 points per month
Reached after about ₹10,000 of spend
-
20 points per ₹100 on weekend dining
Max 2,000 points per month
Reached after about ₹10,000 of spend
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
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
Spend milestone
Annual fee waived on ₹7.5 Lakh annual retail spends
Fees & Charges
Joining fee
₹5,000 + Taxes
Annual fee
₹5,000 + Taxes
Annual fee waived on ₹7.5 Lakh annual retail spends
Interest rate
3.6% per month (43.2% per annum)
Late payment fee
- Up to ₹500
- Nil
- ₹501 to ₹1,000
- ₹500
- ₹1,001 to ₹5,000
- ₹600
- ₹5,001 to ₹10,000
- ₹750
- ₹10,001 to ₹25,000
- ₹900
- ₹25,001 to ₹50,000
- ₹1,100
- Above ₹50,000
- ₹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
Credit score & income
Good (730+)
Frequently Asked Questions
What's the reward rate on RBL Icon?
How many lounge visits does Icon offer?
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 |