Card Details
Insignia Preferred Banking Credit Card
Monzy Score
8/ 10
Very good for lounge-hungry travellers.
Lifetime free, so no fee to earn back; ~2.5% back on top spends; high 3.5% forex markup.
Card Issuer
RBL Bank
Joining Fee
₹7,000
Annual Fee
₹7,000
Reward Type
Reward Points
Card Access
Standard
Earn Points
10 RP/₹100
on International spends
5 RP/₹100
on Domestic spends
Benefits
2 domestic + 6 international lounge visits with…
- Premium travel access
- Complimentary domestic lounge access every quarter
- Priority Pass membership with 6 complimentary international visits annually
- Low forex markup of 1.5% on foreign currency transactions
- Additional Priority Pass visits beyond the free quota are chargeable (USD 27–35 per visit per issuer partners)
10 RP/₹100 on international spends, 5 RP/₹100…
- High reward earn rate with milestone vouchers
- Earn 10 RP/₹100 internationally and 5 RP/₹100 domestically
- Unlock ₹8,000 worth of vouchers after ₹8 lakh annual spends
- Fee variant receives 28,000 Reward Points as welcome bonus
- Welcome bonus not applicable for Insignia Preferred Banking customers
- Entertainment and dining privileges
- Flat ₹500 discount on BookMyShow movie tickets twice monthly
- EazyDiner Prime offers 25%–50% savings and 1+1 buffets at premium restaurants
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, government
Estimated Returns
Domestic spends
5 RP per Rs 100 domestic (~1.25% value back at Rs 0.25/point). Invite-only Insignia Preferred Banking card.
₹375
International spends
10 RP per Rs 100 international (~2.5% value back).
₹0
Total Annual Return
₹4,500
1.25% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“RBL Insignia Credit Card”
by r/CreditCardsIndia, Jul 2025
“Rbl insignia! Good package! Don't know about benifit. Was”
by r/IndianCreditCards, Jul 2025
“Premium Cards | Discount on Ajio”
by r/CreditCardsIndia, Jan 2026
“Best Credit Cards For Movie Tickets”
by r/CreditCardsIndia, Jul 2025
“Cards Eligible for VIP lounge Bengaluru T1”
by r/IndianAirportLounge, Jun 2026
Frequently Asked Questions
The Insignia Preferred Banking Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because RBL Bank prices some variants differently.
RECENT CHANGES
Terms were revised recently — verify current fee, reward and exclusion terms before you apply.
Things to Keep in Mind
Welcome benefit of 28,000 Reward Points is not applicable for Insignia Preferred Banking customers.
Priority Pass visits beyond the 6 complimentary quota incur charges (USD 27–35 per visit per issuer partners).
