Verified — 16/16 categories
RBL Bank
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Best forDining & Travel
Earns20 RP/₹100 on dining
1st Year / Joining Fee
₹5,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded
RBL Bank
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Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on dining and travel, where it earns 20 RP/₹100
How you earn
Reward rates at a glance — exactly as recorded for this card.
Dining20 RP/₹100
TravelOnly at International purchases (RBL Icon 20 RP/₹100, cap 2,000 RP/month)20 RP/₹100
Groceries2 RP/₹100
Food Delivery2 RP/₹100
Shopping2 RP/₹100
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not a good fit | — | Rental payments (MCC 6513) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement and Schedule of ChargesDetails
|
| Education | Not a good fit | — | Education payments (MCC 8211, 8220, 8244) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Insurance | Not a good fit | — | Insurance premium payments (MCC 6300, 6310) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Utilities | Not a good fit | — | Utility bill payments (MCC 4900) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Fuel | Not a good fit | — | Fuel purchases (MCC 5541, 5542) receive surcharge waiver onlyDetails
|
| Groceries | 2 RP/₹100 | — | Eligible domestic retail base 2 RP/₹100 per SRC-RBL-ICON-01Details
|
| Dining | 20 RP/₹100 | 2,000 RP per month | Explicit RBL source-gated ruleDetails
|
| Food Delivery | 2 RP/₹100 | — | Eligible domestic retail base 2 RP/₹100 per SRC-RBL-ICON-01Details
|
| Shopping | 2 RP/₹100 | — | Explicit RBL source-gated ruleDetails
|
| Travel | 2 RP/₹100 | — | Domestic travel retail base 2 RP/₹100 per SRC-RBL-ICON-01 · Also 20 RP/₹100, only at International purchases (RBL Icon 20 RP/₹100, cap 2,000 RP/month)Details
|
| Government | Not a good fit | — | Government and tax payments (MCC 9311, 9399, 9400) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4Details
|
| Wallet | Not a good fit | — | Wallet loading transactions (MCC 6540) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4Details
|
| Railways | Not a good fit | — | Railway transactions (MCC 0066, 4011, 4112) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| FASTag | Not a good fit | — | FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
| Jewellery | 2 RP/₹100 | — | Eligible domestic retail base 2 RP/₹100 per SRC-RBL-ICON-01Details
|
| Telecom | Not a good fit | — | Telecom service payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion ScheduleDetails
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹5,000 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
- Dining — 2,000 RP / month (per category — Dining)
- Travel — 2,000 RP / month (per category — Travel)
Key benefits
Rewards
20 RP/₹100 on dining
Important to know
Limits and exclusions that change what you earn.
- Dining rewards are capped at 2,000 RP / month (per category — Dining)
- Travel rewards are capped at 2,000 RP / month (per category — Travel)
- Not recommended for: Rent, Education, Insurance, Utilities +6 more
Who should consider this card
✓ Good fit if
- Your spending is concentrated in dining, travel, groceries
△ Less useful if
- Much of your spending is in rent, education, insurance, which earn nothing
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 2 caps · 10 no-reward categories
Caps
- Dining — 2,000 RP / month (per category — Dining)
- Travel — 2,000 RP / month (per category — Travel)
Categories with no reward or not eligible
- Rent — Not a good fit. Rental payments (MCC 6513) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement and Schedule of Charges.
- Education — Not a good fit. Education payments (MCC 8211, 8220, 8244) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Insurance — Not a good fit. Insurance premium payments (MCC 6300, 6310) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Utilities — Not a good fit. Utility bill payments (MCC 4900) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Fuel — Not a good fit. Fuel purchases (MCC 5541, 5542) receive surcharge waiver only.
- Government — Not a good fit. Government and tax payments (MCC 9311, 9399, 9400) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4.
- Wallet — Not a good fit. Wallet loading transactions (MCC 6540) strictly excluded from reward points / cashback accrual per RBL Cardmember Agreement Section 4.
- Railways — Not a good fit. Railway transactions (MCC 0066, 4011, 4112) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- FASTag — Not a good fit. FASTag / toll transactions (MCC 4784) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
- Telecom — Not a good fit. Telecom service payments (MCC 4812, 4814, 4899) excluded from reward points accrual per RBL Cardmember Agreement Section 4 and Exclusion Schedule.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to RBL Bank's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: Not recorded by DhanChakshu — check the issuer terms
- Foreign-currency markup: Not recorded by DhanChakshu — check the issuer terms
What DhanChakshu couldn't fully verify · 4 areas
4 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Fuel surcharge waiver — not recorded; check the issuer terms
- • Foreign-currency markup — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-21
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-21
Documents used
RBL Phase 14 research / current issuer evidence · RBL Phase 14 research / current issuer evidence
RBL Bank Icon Credit Card Product Terms & Reward Schedule · SRC-RBL-ICON-01