RBL Bank Icon credit card
RBL BankVisaPremium

Icon credit card

2 points per ₹100, 4 on international, golf and 8 lounge visits.

34
Personal score34/100● Weak fit
Recurring net savings−₹4,327/yrafter fee, GST and caps · bills paid in full
First-year value−₹4,327no welcome offer, ₹5,900 joining fee
Effective savings rate-1.3%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)You pay ₹5,900never waived
Lounge access✈8 domyou can use 2 of your visits
PersonaliseOfficial page ↗

Source: RBL Bank – Icon product page · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹1,213/yrBase rate 0.5% on other spends
−₹5,900Fee you pay
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! You pay the ₹5,900 annual fee (incl. GST) – waiver needs a fee-based renewal, it is never waived.

Where the money comes from

−₹4,327/yr · -1.3%
Base rate 0.5% on other spendson ₹2,42,640₹1,213
Excluded categories (no rewards)on ₹84,000₹0
Fuel surcharge waiver₹360
Renewal fee incl. GSTyou pay it−₹5,900
◻︎ 10,000 points at ₹5L · needs ₹5,00,000/year

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 34 is built

weights total 100% · methodology
Net savings rate0/100 × 55%0.0
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity60/100 × 5%3.0
Fee safety0/100 × 5%0.0

Airport lounges with this card

Open Lounge Finder →
42airports in India
50lounges you can enter
2 per quarterdomestic
Noneinternational

How you get in: issuer programme (bank / operator app). Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 4 lounges
  • ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
  • ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
  • ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
BOM Mumbai 3 lounges
  • ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
  • ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
  • ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 2 lounges
  • ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
  • ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 2 lounges
  • ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
  • ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
HYD Hyderabad 2 lounges
  • ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
  • ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
IXA Agartala 1 lounge
  • ✈Main Agartala Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
AMD Ahmedabad 1 lounge
  • ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
ATQ Amritsar 1 lounge
  • ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
AYJ Ayodhya 1 lounge
  • ✈Main Adani Lounge (Ayodhya) Adani Airports · via issuer programme (bank / operator app) check at desk
IXB Bagdogra 1 lounge
  • ✈Main Bagdogra Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BHO Bhopal 1 lounge
  • ✈Main Bhopal Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk
BBI Bhubaneswar 1 lounge
  • ✈T1 Bhubaneswar Airport Lounge Airport partner · via issuer programme (bank / operator app) check at desk

+ 30 more airports in the Lounge Finder.

Card facts

💳 Base earn0.5%value on eligible spend
⚡ Accelerated1% 4 points/₹100 on…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹5,900/yr incl. GSTnot spend-waivable
🎁 Welcome (year 1)none
🏁 Milestones₹2,500 @ ₹5,00,000/year
✈️ Lounge✈2/qtr dom🌏0 intl8 domestic per year
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹0.25/Reward Points ★★★☆☆1 point = ₹0.25 on the catalogue.
🧩 Simplicity★★★☆☆a few caps to track
🎯 Lifestylegolffuel waiverinsurance coverGolf rounds
🪪 EligibilityIncome ₹3L+/yr

At a glance

  • Golf
  • Lounge
  • Low earn for ₹5,000

Community Q&A on the Icon

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the RBL Bank Icon?

Joining fee ₹5,000 and renewal fee ₹5,000, plus 18% GST (₹5,900 a year). The fee is not waived on spend.

Does the Icon give airport lounge access?

8 domestic/yr. 8 domestic per year.

How much can I save with the Icon?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is −₹4,327 a year, an effective savings rate of -1.3% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Icon's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.