Credit Card Compare

Icon Credit Card

Data last updated 23 October 2026
47.88%
Purchase rate
₹5,000
Annual fee
20,000
Bonus points
Application

CardIQ

69Good

Good

Overall score, out of 100 · How this works

  • Airport lounge68
  • Rewards76
  • Sign-up bonus61
  • Travel70

Customer reviews

No reviews yet. Be the first to review the Icon Credit Card.

Pros & cons

What's good

  • 20,000 bonus points to start, worth around ₹5,000 at our ₹0.25-per-point valuation.
  • Complimentary airport lounge access (8 visits a year).

Worth noting

  • Annual fee of INR 5,000 + GST (18%) in year 1 and every subsequent year. No spend-linked waiver mentioned for the Icon card. Fee is levied after first debit transaction. GST is additional and not included in the stated INR 5,000 figure. The ₹5,000 annual fee is still high for a Platinum card, where the typical fee is about ₹1,250.
  • The 47.88% p.a. purchase rate sits in the most expensive quarter of cards (the median is 45% p.a.) if you carry a balance.
  • The 0.2-point rate on international purchases and weekend dining (up to 2,000 reward points per month each category) applies only to the first ₹2,000 spent each month, then drops to a lower rate.
  • Up to 50 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹200 p.a.
Card tier
Platinum
Card type
Mastercard
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
RBL Bank Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
India
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
47.88% p.a.
Purchases
47.88% p.a.

Fees

Additional cardholder fee
₹200
Annual fee
₹5,000 p.a.
Cash advance fee
2.5% of the amount
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹0

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
Total GST + Current month EMI Debits + [Max of (100% of Fee/Charges + 5% of (Retail Spends, Cash Advance, Interest)) or INR 200] + previously unpaid MAD (if any) + Overlimit Utilization Amount (if any)

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Not stated on these pages.

Sign-up bonus

Bonus spend required
Make an eligible retail transaction within 30 days of card issuance and pay the annual membership fee by the payment due date.
Sign-up bonus
20,000 points

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Interest-free days50 daysTop 10% (3rd of 24 cards)
Sign-up bonus₹5,000Top 25% (4th of 22 cards)
Overseas fee3.50%Better than most (14th of 49 cards)
Purchase rate47.88%Not as good as most cards (42nd of 49 cards)
Annual fee₹5,000 a yearAmong the most expensive (45th of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
RBL Bank