RBL BankMastercard Network

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Direct Bank Application via Official Issuer Portal

Travel Shopping Airport Lounge

4.5/5 Editorial Score

RBL Signature Banking Credit Card

Exclusive Priority Banking Credit Card with Zero Annual Fee & Global Lounges

Best Suited For

High-net-worth RBL Signature Banking customers seeking premium concierge, golf privileges, and complimentary airport lounge access.

Travel Shopping Airport Lounge

Joining Fee

Free

One-time upfront

Annual Fee

Free

Lifetime Free — no renewal fee

Base Rewards

2 Reward Points per Rs 100 on general retail spends (0.5% value back)

On eligible spends

Airport Lounge

8 Domestic visits/year · ₹35k quarterly spend required

Complimentary visits

Apply Now Compare Card Official Terms

See where this card gets lounge access

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.5/5 Editorial Score

The RBL Signature Banking Credit Card is a distinguished wealth-management payment card issued exclusively to clients maintaining a Signature Banking priority relationship with RBL Bank. With zero joining and annual fees, it stands as one of the most competitive complimentary super-premium credit cards available in the Indian banking sector. The card offers 2 complimentary domestic airport lounge visits per calendar quarter and 2 complimentary international airport lounge visits per calendar year via Priority Pass. Additionally, members enjoy 4 complimentary rounds of golf or golf lessons per year, complimentary movie tickets via BookMyShow (Buy-1-Get-1 Free up to ₹250 twice a month), and dedicated 24/7 global concierge assistance. With a preferential 2.50% foreign exchange markup and accelerated rewards on dining and international expenditures, the RBL Signature Banking Credit Card provides first-class financial luxury at zero recurring expense.

Ideal For:High-net-worth RBL Signature Banking customers seeking premium concierge, golf privileges, and complimentary airport lounge access.

Travel Shopping Airport Lounge

Card Strengths

Lifetime Free Luxury Card: Zero joining fee and zero annual renewal fee for RBL Signature Banking relationship clients.
Domestic & Global Lounges: 2 complimentary domestic lounge visits per quarter plus 2 complimentary international visits per year.
BOGO BookMyShow Tickets: Buy-1-Get-1 Free movie tickets up to ₹250 twice every month on BookMyShow (save up to ₹6,000/yr).
Complimentary Golf Rounds: 4 complimentary golf games or instructional lessons annually at premier golf courses across India.
Low 2.50% Forex Markup: Preferential 2.50% foreign currency markup on overseas and cross-border transactions.

Things to Keep in Mind

Strict Relationship Criteria: Available exclusively to RBL Bank Signature Banking account holders maintaining high Total Relationship Value (TRV).
Invite-Only Issuance: Cannot be applied for as a standalone open-market credit card.
Modest Base Reward Yield: Base retail reward rate delivers approximately 1.0% value back on regular domestic spends.
Reward Redemption Handling Fee: A fee of ₹99 plus GST applies on reward catalogue redemptions.

Additional Cardholder Privileges

Rewards

Unlimited 4% Cashback on Flights/Hotels, and 1% Cashback on All Eligible Purchases (Up to ₹1,500 Per Billing Month)

Welcome

Welcome Benefit 1

N/A

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name: RBL Signature Banking Rewards
Reward Currency: Reward Points
Base Earn Rate: 2 Reward Points per Rs 100 on general retail spends (0.5% value back)
Point Value (INR): ₹0.2500 per point
Redemption Channels: Redeem for flight bookings, hotel stays, shopping vouchers, and luxury merchandise.
Reward Point Expiry: Reward points valid for 2 years from date of accrual.

Category Accelerated Earn RatesPublished Terms

Spend Category	Earn Rate	Reward Cap	Conditions
Dining & International Spends	4 Reward Points per Rs 100 on dining and international transactions (1% value back)	No Cap	Standard terms apply
All Other Retail Spends	2 Reward Points per Rs 100 on all other retail transactions (0.5% value back)	No Cap	Standard terms apply

Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.

Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps

Quick Select:

Total Monthly Spend:₹30,000 / month

₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution

Dining & International Spends1.00%

No published cap

₹

All Other Retail Spends0.50%

No published cap

₹

Excluded / Non-Reward Spends0%

Fuel, rent, wallet, govt, cash

₹

Category / Reward Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Dining & International Spends	₹12,000	4 Reward Points per Rs 100 on dining and international transactions (1% value back)	—	None	Calculating...	Under cap
All Other Retail Spends	₹18,000	2 Reward Points per Rs 100 on all other retail transactions (0.5% value back)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero cap loss

Annual Spends

₹3.6 lakh

12 billing cycles

Annual Capped Rewards

₹0

0% blended return

Effective Fee

₹0

Standard renewal

Net Annual Value

+₹0 / yr

Rewards - Fee

*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds (fee waived).

Multi-card comparator

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India

Included

Complimentary Visits: 8 complimentary visits per year
Spend Requirement: ₹35,000 per Previous Calendar Quarter

8 complimentary domestic airport lounge visits per calendar year (2 per calendar quarter).

International Lounge Access

Global airports outside India

None

Complimentary Visits: Not available
Spend Requirement: Unavailable
Access Type: International Lounge Program

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →

Biju Patnaik International AirportBBI

Terminal 1

Participating Lounges

Bird Lounge

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Chaudhary Charan Singh International AirportLKO

Participating Lounges

Adani Lounge (Domestic)

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Chennai International AirportMAA

Terminal 1, Terminal 4

Participating Lounges

Travel Club Lounge A/B Travel Club Lounge

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Chhatrapati Shivaji Maharaj International AirportBOM

Terminal 1C, Terminal 2, Terminal 1B

Participating Lounges

Travel Club Lounge Adani Lounge

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Cochin International AirportCOK

Terminal 1

Participating Lounges

Earth Lounge

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Dehradun Jolly Grant AirportDED

Terminal 1

Participating Lounges

Bird Lounge

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Dr. Babasaheb Ambedkar International AirportNAG

Terminal 1

Participating Lounges

Airr Lounge

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Goa Dabolim International AirportGOI

Participating Lounges

Good Times Lounge And Bar

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Indira Gandhi International AirportDEL

Terminal 1, Terminal 2, Terminal 3

Participating Lounges

Encalm Lounge

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Jaipur International AirportJAI

Terminal 2, T1

Participating Lounges

The Lounge Adani Lounge

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Jay Prakash Narayan AirportPAT

Participating Lounges

Zesto Executive Lounge

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Kempegowda International Airport BengaluruBLR

Terminal 1, Terminal 2

Participating Lounges

080 Domestic Lounge BLR Domestic

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Manohar International AirportGOX

Terminal 1

Participating Lounges

Encalm Lounge

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Netaji Subhash Chandra Bose International AirportCCU

Terminal 1

Participating Lounges

Travel Club Lounge

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Pune International AirportPNQ

Participating Lounges

Elysian Lounge

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Rajiv Gandhi International AirportHYD

Terminal 1

Participating Lounges

Encalm Lounge

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Sardar Vallabh Patel International AirportAMD

Terminal 1, T2

Participating Lounges

The Lounge Adani Silver Lounge-Dom

View All Airport Cards →

Shaheed Bhagat Singh International AirportIXC

Terminal 1

Participating Lounges

Primus Lounge Domestic T1

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Thiruvananthapuram International AirportTRV

Participating Lounges

Merlot Executive Lounge

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Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access

Airport Lounge Checker

Domestic Allowance8 Domestic visits/year · ₹35k quarterly spend required

Airport Coverage40+ Major Indian Airports

Lounge DirectoryView All Lounge Coverage

Representative Major Airport Lounges:

Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year): Free
Annual / Renewal Fee (2nd Year Onwards): Free
Annual Spend Fee Waiver: Lifetime Free — no renewal fee
Fee Terms Notes: Lifetime Free for RBL Signature Banking relationship account holders.

2. International Spends

Foreign Currency Markup (Forex): 3.50% + GST
Dynamic Currency Conversion (DCC): Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges): Refer to official schedule of charges
Annualized Interest Rate (APR): Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee: Refer to official schedule of charges
Interest-Free Period: Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges: Refer to official schedule of charges

Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Eligibility: Exclusively by invitation for RBL Bank Signature Banking customers (TRV of ₹30 Lakhs or qualifying net-worth relationship). • Joining & Annual Fee: ₹0 (Lifetime Free as part of Signature Banking wealth relationship). • Airport Lounge Privileges: 2 complimentary domestic lounge visits per calendar quarter and 2 complimentary international visits per year via Priority Pass. • Golf Privileges: 4 complimentary golf games or golf coaching sessions per calendar year across premier Indian golf clubs. • Entertainment Perks: Buy-1-Get-1 Free movie ticket up to ₹250 twice a month on BookMyShow. • Forex Markup: Preferential foreign currency transaction markup of 2.50% + GST. • Rewards Acceleration: 4 reward points per ₹100 on retail spends; 8 reward points per ₹100 on dining and international transactions. • Dedicated Concierge: 24/7 lifestyle and travel concierge service for dining reservations, flight booking, and event access.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.

2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.

3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding RBL Signature Banking Credit Card application, fees, reward redemption, and eligibility

Who is eligible for the RBL Signature Banking Credit Card?

The card is offered exclusively by invitation to RBL Bank clients who maintain a Signature Banking wealth relationship, typically requiring a Total Relationship Value (TRV) of ₹30 Lakhs or more.

Is there any annual fee for RBL Signature Banking Credit Card?

No, the RBL Signature Banking Credit Card is completely Lifetime Free with zero joining fee and zero annual fee as long as your Signature Banking status remains active.

How many airport lounge visits are included?

The card includes 2 complimentary domestic airport lounge visits per calendar quarter and 2 complimentary international airport lounge visits per calendar year via Priority Pass.

What is the movie ticket benefit on RBL Signature Banking?

Cardholders get Buy-1-Get-1 Free movie ticket discount up to ₹250 twice every month on BookMyShow.

What is the joining and annual renewal fee for RBL Signature Banking Credit Card?

The joining fee for RBL Signature Banking Credit Card is Free (one-time), and the annual renewal fee is Free from the second year onwards. GST of 18% is applicable on all fee charges.

Can the annual fee on RBL Signature Banking Credit Card be waived?

RBL Signature Banking Credit Card is a Lifetime Free credit card with no annual renewal fee, so no spend-based waiver is required.

What are the primary rewards and cashback earn rates on RBL Signature Banking Credit Card?

RBL Signature Banking Credit Card offers 2 Reward Points per Rs 100 on general retail spends (0.5% value back). Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does RBL Signature Banking Credit Card offer complimentary airport lounge access?

Yes, RBL Signature Banking Credit Card provides 8 Domestic visits/year · ₹35k quarterly spend required.