Signature Banking Credit Card
Fees
₹3,000 + Taxes
Joining & annual
Reward 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
2 Domestic/Qtr + 2 International/yr
Our Expert Take
The Signature Banking Credit Card from RBL Bank offers RBL Wealth & Signature Banking Clients with an annual fee of ₹3,000 + Taxes.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
1% cashback
Max ₹1,500 per billing month
Reached after about ₹1,50,000 of spend
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
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 ₹5 Lakh annual retail spends
Fees & Charges
Joining fee
₹3,000 + Taxes
Annual fee
₹3,000 + Taxes
Annual fee waived on ₹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
age
21 to 65 years
employment profiles
Invite-only: exclusively for RBL Signature Banking relationship customers
Credit score & income
Invite-Only, RBL Signature Banking relationship clients
Frequently Asked Questions
What's the cashback rate on Signature Banking Credit Card?
How many lounge visits does this card offer?
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 |