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RBL · Mastercard

Icon Credit Card

Upgrade your Lifestyle with reward & experiences!

Annual fee
₹5,000
Forex markup
Lounges (Dom/Intl)
2 / —
Welcome benefit
₹20,000

Is this card worth it for you?

Drag the sliders to match your spend. The number on the right updates live.

Monthly spend₹50,000
% on travel15%
% on dining10%

Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.

Net steady-state return
−₹2,000 /year
0.50% effective · ₹5,000 fee
Annual reward earned₹3,000
Welcome benefit (year 1)One-time₹20,000
Annual fee−₹5,000
Skip this card at your spend.

The fee outweighs the rewards at ₹50,000/month. You'd need ~₹83,333/month to break even — likely not worth it for you.

vs Axis Bank Atlas

At ₹50,000/month with 15% travel and 10% dining.

Metric
Icon Credit Card
Axis Bank Atlas
Annual fee
₹5,000
₹5,000
Annual reward
₹3,000
₹6,540
Net /year (steady)
−₹2,000
₹1,540
Forex markup
3.5%

Tools for Icon Credit Card holders

Frequently asked

Is the Icon Credit Card worth the ₹5,000 fee?

It depends on your spend. The Icon Credit Card earns 0.5% base reward. Use the break-even calculator above to see your specific number.

What is the eligibility for Icon Credit Card?

RBL hasn't published a hard minimum income for Icon Credit Card. Approval depends on credit score, existing relationship, and employment type.

Verified todaylikelySource: www.rblbank.com

Reward rates and fees are sourced from RBL's product page and may change. Always confirm with the card issuer before applying.