Signature Banking Credit Card
Fees
₹3,000 + Taxes
Joining & AnnualReward Rate
Unlimited 4% cashback on Flights, Hotels & Shop via the RBL Rewards Portal; 1% on other eligible spends (up to ₹1,500/month)
Welcome Bonus
Welcome gift benefit on card activation & joining fee payment
Lounge Access
2 Domestic/Qtr + 2 International/yr
FindMyCard Expert Take
The Signature Banking Credit Card from RBL Bank offers RBL Wealth & Signature Banking Clients with an annual fee of ₹3,000 + Taxes.
Pros & Cons
Key Advantages
- Unlimited 4% cashback on Flights, Hotels & Shop via the RBL Rewards Portal
- 2 domestic lounge visits/quarter + 2 international visits/year via Priority Pass
- Milestone cashback: ₹2,000 on ₹4 Lakh spends, ₹4,000 more on ₹6 Lakh
- Fee waiver threshold (Annual fee waived on ₹5 Lakh annual retail spends)
Limitations
- Invite-only for RBL Signature Banking relationship customers
- Base cashback is capped at ₹1,500 per billing month
- Not available for direct public application
Editorial Verdict
The Signature Banking Credit Card is ideally suited for rbl wealth & signature banking clients. If you want unlimited 4% cashback on flights, hotels & shop via the rbl rewards portal; 1% on other eligible spends (up to ₹1,500/month), this card delivers real value. The ₹3,000 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Invite-Only, RBL Signature Banking relationship clients 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 ₹5 Lakh annual retail spends
Fees & Charging Rates
Annual Fee Waivers
₹3,000 + Taxes
💡 Annual fee waived on ₹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
age
21 to 65 years
employment profiles
Invite-only: exclusively for RBL Signature Banking relationship customers
Compare Signature Banking Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| Signature Banking Credit Card This Card | ₹3,000 + Taxes | Unlimited 4% cashback on Flights, Hotels & Shop via the RBL... | 2 Domestic/Qtr + 2 International/yr | 4.6/5 |
| 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 |