RBL Bank Icon Credit Card: Features & Apply

Table of Contents

Summary

Designed for people seeking sophistication, simplicity, and unique advantages, the RBL Bank Icon premium lifestyle credit card is. First of all, this card offers a sort of welcome gift of 20,000 reward points once you pay the membership cost and finish your first purchase. New users find this interesting right from the start.

Moreover, the card allows you to earn reward points on every purchase; weekend dinners and international travel earn more points. Apart from regular benefits, it features milestone awards that inspire more spending by assigning extra points upon exceeding specified annual spending criteria.

The card also offers special lifestyle benefits, including free access to book My Show movie ticket specials, golf courses, and airport lounges. For those who enjoy fine entertainment or frequent travel, these features make the card very handy.

Introduction

A credit card is a lifestyle friend rather than only a payment tool in the modern environment. Having so many choices on the market makes selecting the correct credit card challenging. The RBL Bank Icon Credit Card can be the ideal choice for you, though, if you are seeking luxury, convenience, and special advantages all in one card. It is especially meant for those who appreciate fine services and wish to take advantage of a high-end credit card.

First of all, the RBL Bank Icon Credit Card is a super-premium product fit for your travel, dining, and way of life. For individuals who travel often, enjoy good dining, or want to buy only premium brands, it is perfect. This card also gives you access to concierge services, golf courses, and airport lounges in addition to great reward points on your expenditure. Like its name, these elements give the card great iconic quality.

The card also features pleasing welcome gifts and milestone benefits. Starting use of this card welcomes you with a lot of bonus reward points that may be used for many fascinating possibilities, including flight tickets, hotel stays, or retail vouchers. Furthermore, when you keep using the card and make more purchases, you unlock more milestone awards, therefore increasing the worth of your whole expenditure.

Moreover, addressed are security and the simplicity of usage. Modern tools include contactless payment and real-time fraud monitoring abound on the RBL Bank Icon Credit Card. This guarantees flawless, quick, and safe transactions free of fuss. Through the RBL MyCard mobile app, which tracks your expenses, due dates, and available credit limit, you can also readily control your card use.

What is the RBL Bank Icon Credit Card?

Designed particularly for those enjoying rich and contented lives, the RBL Bank Icon Credit Card is a luxury credit card. It provides a great spectrum of sophisticated advantages beyond mere use. This card allows you nearly every transaction access including airport lounges, golf privileges, concierge services, and interesting reward points. It also fits those who often travel, eat out, or shop at luxury stores.

Apart from these lifestyle advantages, the card provides welcome gifts and milestone rewards; thus, using the card enhances your earnings. This card’s strong security features—contactless purchases and real-time fraud alerts—guarantee quick and safe transactions and hence boost its attractiveness. Furthermore, RBL’s simple mobile app facilitates handling of your card and tracking of expenses.

How is the design of the RBL Bank Icon Credit Card?

Like the manner of life the RBL Bank Icon Credit Card portrays, its design is elegant, sleek, and premium. Given its bold and elegant black color, the card initially seems to be businesslike and sophisticated. Apart from this, the card’s brilliant, smooth texture makes it look modern and inviting.

The front’s freely shown moniker, “ICON,” highlights its distinctive energy even more. The design is basic and orderly; your name and card number print well among the necessary elements. The card also supports contactless payments and features a little wave icon suggesting you might just tap the card to pay—no need for swipes or inserts.

What are the benefits of the RBL Bank Icon Credit Card?

Main advantages of the RBL Bank Icon credit card

Welcome bonus.

You get 20,000 reward points as a welcome bonus after paying the joining fee and completing an approved retail purchase 30 days after card issuance. After 60 days, these points are credited and redeemable for flight tickets, hotel stays, or shopping vouchers.

Reward Points for Expanding Spending

Get two reward points for every ₹100 spent on consistent purchases.

Every ₹100 spent on overseas travel and weekend eating earns 20 reward points.

Milestones of Reward

The card presents appealing milestone rewards:

To get 10,000 reward points, spend ₹3 lakhs annually.

Invest five lakhs to get an extra 15,000 reward points.

Invest ₹8 lakhs to get another 20,000 reward points.

Movie Rewards

Twice a month, use BookMyShow to enjoy a 1+1 deal on movie tickets, up to ₹200 each ticket.

Lounge Access at an Airport

Get two free domestic airport lounge passes every three months.

The card also provides Priority Pass Membership for access to over 1,200 international airport lounges around the globe.

Golf privileges

Take advantage of free golf instruction, cheap green fees, and free entry to a few of the chosen courses all throughout India.

Dining Perceptions

At affiliated premium restaurants, enjoy exclusive meal specials including free wine, sweets, and other extras.

Concierge Services

Access 24×7 concierge services to help with reservations, travel plans, event organizing, and more, so improving your lifestyle convenience.

Worldwide Events: Access

Access elite worldwide events, including Formula 1 races, special awards evenings, and other well-known sports events, to enhance your leisure time.

Waiver of Surcharge for Fuel

With a maximum waiver of ₹200 monthly, get a fuel fee waiver on purchases between ₹500 and ₹4,000 at all fuel stations.

What are the fees for the RBL Bank Icon Credit Card?

Here is a simple breakdown of the RBL Bank Icon Credit Card fees.

Joining Fee	₹5,000 + GST
Annual Fee	₹5,000 + GST
Add-on Card Fee	No additional charges for family members’ cards.
Finance Charges	If you don’t pay your bill in full, a charge of 3.5% per month (42 % annually) is applied to the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an RBL Bank Icon Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: A minimum net monthly income is required; however, the bank determines the specific amount, which may vary based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is required; the bank determines the specific amount and may vary depending on the applicant.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have proof of a valid address.

What documents are required to get an RBL Bank Icon Credit Card?

The documents that you will have to submit to get the RBL Bank Icon Credit Card are as follows:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the RBL Bank Icon Credit Card be used?

Here is the list of places where you can use it:

With the RBL Bank Icon Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon and Flipkart, and make bookings on websites like MakeMyTrip and Yatra.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your RBL Bank Icon Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).

The RBL Bank Icon Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the RBL Bank Icon Credit Card?

The credit amount you can spend is what you are provided to you with an RBL Bank Icon Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an RBL Bank Icon Credit Card?

Apply it through both these modes:

Online Application Process:

Visit the official website of the RBL First Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by RBL First Bank; for instance, you can choose the RBL Bank Icon Credit Card.

Just hover your cursor on the RBL Bank Icon Credit Card and select ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest RBL First Bank branch to apply for the RBL Bank Icon Credit Card.

Request the credit card application form for the RBL Bank Icon Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the RBL Bank Icon Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions in the envelope through the RBL First Bank Card website, mobile app, or customer service.

For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an RBL Bank Icon Credit Card in 2025 be the right choice?

Obtaining the RBL Bank Icon Credit Card in 2025 can be a good option if you require a credit card with excellent offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility.

RBL First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a perfect option in 2025.

Conclusion

All things considered, the RBL Bank Icon Credit Card is a well-crafted premium credit card with several lifestyle advantages. This card offers considerable value to your travel frequency, gourmet dining tastes, appreciation of entertainment, and shopping that defines your total experience. Every transaction you are always benefiting from appealing welcome incentives and high reward points on the card.

The extra benefits—movie ticket offers, free access to airport lounges, golf privileges, concierge services—also make it more than just a regular credit card. Those who hunt comfort, luxury, and simplicity in their daily life will especially find it relevant. Strong security, fuel surcharge waiver, and contactless payment capability on the card also provide consumers with simplicity of use and mental comfort.

Furthermore, the milestone bonuses and foreign privileges like Priority Pass Membership increase its value, particularly for those who go overseas or engage in international business. Furthermore, versatile are the choices for reward redemption, which allow you to spend your acquired points for travel, shopping, or even lifestyle items.