Why you should get it
Travel & lounge access
- Membership fee: ₹5,000 before applicable taxes. No standard spend-based renewal waiver listed in reviewed issuer fee schedule; targeted offers may differ.
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Why get it Why skip it Annual fee₹5,000 Fee waiverCheck terms Best returnWithheld Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Rows mappedNo access Access ruleNo access Coverage sourceNeeds check
Annual fee₹5,000
RewardsMiles
RBL • MasterCardTravel & miles
Icon Credit Card
Updated 12 Feb 2026StaleHigh confidence3 sources checked
Freshness warning: last verified 232 days ago (12 Feb 2026). Treat fees, rewards, lounge access, and offers as stale until refreshed.
Fees checked; detailed reward rules still need issuer verification before a value estimate.
Imported benefit text needs editorial review.
Before deciding
Route this card to travel and dining spends first, then shift spillover transactions to stronger category alternatives
Skip it if
miles value depends on travel transfer planning and redemption timing
Latest change: Data correction: fee and waiver metadata corrected from current issuer schedule; this is not a claim of a new fee incre...
For Travel & lounge access. Reward estimate withheld; review model limits. ₹5,000 annual fee. Skip it for lounge access.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
- No standard spend-based renewal waiver listed in reviewed issuer fee schedule; targeted offers may differ.
- Reward caps and exclusions apply
- Issuer terms may change
Annual Fee₹5,000Joining fee ₹5,000
Spend to Waive FeeCheck termsNo standard spend-based renewal waiver listed in reviewed issuer fee schedule; targeted offers may differ.
Best Category ReturnWithheldModel limits
Lounge Access ConditionNo accessNo lounge access listed.
Quick notes
How to use the card well, and what to watch before applying.
How to use it well
- Route this card to travel and dining spends first, then shift spillover transactions to stronger category alternatives.
- Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
- Maintain break-even discipline against the annual fee of INR 0 and reduce allocation if annual net value weakens.
Watch before applying
- miles value depends on travel transfer planning and redemption timing
- No complimentary lounge access is currently mapped for this card.
- Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.
Compare or Switch
What to do if this card is close, but not perfect.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
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Value & Fees
Check earning rules before estimating value.
Annual value is withheld. Review the available earning rules and source limitations before choosing a redemption route.
Joining fee ₹5,000
No standard spend-based renewal waiver listed in reviewed issuer fee schedule; targeted offers may differ.
Model limits
Value estimate unavailable: fee or benefit evidence needs review. Check listed issuer sources before applying.
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
No airport-level lounge rows are currently listed.
No lounge data listed in latest source snapshot. Please verify with issuer.
Derived from card policy signals
Lounge match needs verification
Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.
Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.