{"id":86734,"date":"2026-07-08T15:52:00","date_gmt":"2026-07-08T10:22:00","guid":{"rendered":"https:\/\/piceapp.com\/blogs\/?p=86734"},"modified":"2026-07-08T15:52:00","modified_gmt":"2026-07-08T10:22:00","slug":"insignia-preferred-banking-card","status":"publish","type":"post","link":"https:\/\/piceapp.com\/blogs\/insignia-preferred-banking-card\/","title":{"rendered":"Redefine Premium Credit with Insignia Preferred Banking Card"},"content":{"rendered":"\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\" id=\"key-takeaways\"><strong>Key Takeaways<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>28,000 welcome reward points within 60 days.<\/li>\n\n\n\n<li>5 points on domestic and 10 points on international spend per \u20b9100.<\/li>\n\n\n\n<li>2 domestic lounge visits per quarter and 6 international lounge visits annually.<\/li>\n\n\n\n<li>Spending \u20b98 lakhs unlocks vouchers worth \u20b98,000.<\/li>\n\n\n\n<li>The annual fee is waived if annual expenses are \u20b910 lakh or more.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<p>The Insignia Preferred Banking Card combines premium rewards and curated lifestyle privileges with structured financial value. Cardholders enjoy certain other benefits such as complimentary lounge visits, dining benefits, an annual fee waiver, and much more. The card also offers dedicated relationship support and priority service for a seamless banking experience.\u00a0<\/p>\n\n\n\n<p>Thinking, what\u2019s more? Keep reading this article to know!<\/p>\n\n\n\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>Table of Contents<\/h2><nav><ul><li><a href=\"#rbl-bank-insignia-preferred-banking-card-benefits\">RBL Bank Insignia Preferred Banking Card Benefits<\/a><\/li><li><a href=\"#rbl-insignia-preferred-banking-card-fees-and-charges\">RBL Insignia Preferred Banking Card Fees and Charges<\/a><\/li><li><a href=\"#why-should-you-choose-insignia-preferred-banking\">Why Should You Choose Insignia Preferred Banking?<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rbl-bank-insignia-preferred-banking-card-benefits\"><strong>RBL Bank Insignia Preferred Banking Card Benefits<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/RBL-Insignia-Benefits-1024x768.png\" alt=\"RBL Bank Insignia Preferred Banking Card Benefits\" class=\"wp-image-86736\" title=\"\" srcset=\"https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/RBL-Insignia-Benefits-1024x768.png 1024w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/RBL-Insignia-Benefits-300x225.png 300w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/RBL-Insignia-Benefits-150x113.png 150w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/RBL-Insignia-Benefits-768x576.png 768w, https:\/\/piceapp.com\/blogs\/wp-content\/uploads\/2026\/07\/RBL-Insignia-Benefits.png 1448w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><figcaption><\/figcaption><\/figure>\n\n\n\n<p>The RBL Bank Insignia Preferred Banking Credit Cardholders receive 28,000 bonus reward points, credited within 60 days from issuance. The other perks are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Reward Earnings and Milestone Perks: <\/strong>Earn 5 Insignia Preferred Banking reward points per \u20b9100 on domestic spends and 10 reward points per \u20b9100 on international spends.<\/li>\n<\/ol>\n\n\n\n<p><strong>Note: <\/strong>On spending \u20b98 lakh in a membership year, unlock vouchers worth \u20b98,000 from Amazon, Myntra, Croma, MakeMyTrip, and <a href=\"https:\/\/www.tajhotels.com\/en-in\/hotels\/taj-rishikesh\/offers-and-promotions\/suite-surprises-member-only?gad_source=1&amp;gad_campaignid=1744224410&amp;gbraid=0AAAAADhl-_-qy472zGfW2cJhmbYCxuCqj&amp;gclid=CjwKCAjw6rfSBhAqEiwA_yocpn2PmAa4UEDCuiSv3M4Xl6JKj-bmqVO4DrwVHxm9d9EWhCbiYWM6_hoCLC0QAvD_BwE\" target=\"_blank\" rel=\"noopener\">Taj Experiences<\/a>.<\/p>\n\n\n\n<ol start=\"2\" class=\"wp-block-list\">\n<li><strong>Entertainment Perks: <\/strong>Enjoy a flat \u20b9500 discount on BookMyShow movie tickets twice every month by selecting the designated offer.<\/li>\n\n\n\n<li><strong>Dining Privileges: <\/strong>Through EazyDiner Prime, receive 25% to 50% discounts, 1+1 buffet privileges, and priority reservations at curated premium restaurants.<\/li>\n\n\n\n<li><strong>Travel and Lounge Access: <\/strong>Access to 2 complimentary lounge visits per calendar quarter, entry to 1,400+ international airport lounges worldwide, with 6 complimentary visits outside India each year.<\/li>\n\n\n\n<li><strong>Hotel and Golf Benefits: <\/strong>Experience exclusive privileges at 2,400+ premium hotels globally, including early check-in, late check-out, complimentary breakfast for two, room upgrades, etc.\u00a0<\/li>\n<\/ol>\n\n\n\n<p><strong>Note:<\/strong> Golf enthusiasts receive 4 complimentary green fee rounds annually, 1 lesson per month, and 50% discounted green fees beyond the complimentary rounds.<\/p>\n\n\n\n<ol start=\"6\" class=\"wp-block-list\">\n<li><strong>Wellness Privileges: <\/strong>Get a 15% discount on Weljii wellness programs, such as weight management and heart care. Receive a complimentary health score assessment worth \u20b91,999, along with 10% discounts on curated nutrition consultations.<\/li>\n\n\n\n<li><strong>Concierge Benefits: <\/strong>Concierge services assist with travel bookings, limousine referrals, flower deliveries, global event access, and overseas education support.<\/li>\n\n\n\n<li><strong>Fuel Savings:<\/strong> The card also offers a 1% fuel surcharge waiver on transactions between \u20b9500 and \u20b94,000, capped at \u20b9500 per month.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"rbl-insignia-preferred-banking-card-fees-and-charges\"><strong>RBL Insignia Preferred Banking Card Fees and Charges<\/strong><\/h2>\n\n\n\n<p>For Insignia Preferred Banking customers, both the joining and annual fees are NIL. For other customers, the joining and annual fee is \u20b97,000 each.<\/p>\n\n\n\n<p>A few other important things to note are:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>The Insignia Preferred Banking annual fee is waived if your annual expenses reach \u20b910 lakh or more.<\/li>\n\n\n\n<li>The finance charges of the card is 3.4% p.m. or 40.88% p.a.<\/li>\n\n\n\n<li>A late payment fine of 12.5% of the outstanding amount is levied.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"why-should-you-choose-insignia-preferred-banking\"><strong>Why Should You Choose Insignia Preferred Banking?<\/strong><\/h2>\n\n\n\n<p>You must choose Insignia Preferred Banking because every service, privilege, and interaction is structured to deliver personalised attention and seamless support.<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>You receive support from a specialised Insignia Relationship Manager, an Insignia Service Manager, and product experts who understand your financial goals.<\/li>\n\n\n\n<li>Enjoy faster responses, reduced waiting time, and quicker resolutions through prioritised assistance.<\/li>\n\n\n\n<li>Access exclusive pricing and tailored privileges across a range of banking products and financial solutions.<\/li>\n\n\n\n<li>Experience curated events, premium benefits, and distinctive lifestyle rewards aligned with your achievements.<\/li>\n<\/ol>\n\n\n\n<p>\ud83d\udca1Similarly, the <a href=\"https:\/\/piceapp.com\/\">Pice App<\/a> is built around you, making your credit card bill payments seamless. You can not only pay through the app but also receive monthly payment reminders and track your payment status with ease.<\/p>\n\n\n\n<div class=\"wp-block-group has-background\" style=\"background-color:#f2f5f9\"><div class=\"wp-block-group__inner-container is-layout-constrained wp-block-group-is-layout-constrained\">\n<h3 class=\"wp-block-heading\"><strong>Footnotes:<\/strong><\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Primary cardholders who spend \u20b91,00,000 or more in a calendar month can receive 1 additional international lounge visit.<\/li>\n\n\n\n<li>The bank will charge a foreign currency markup fee of 1.5% (excluding applicable taxes)on eligible international retail transactions.<\/li>\n\n\n\n<li>Insignia Preferred Banking EMI options provide flexible EMI via Split n Pay, converting transactions into 3-24 month instalments.<\/li>\n<\/ol>\n<\/div><\/div>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"fa-qs\">FAQs<\/h3>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1783505531575\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How will you get the Insignia Preferred Banking Card welcome benefit?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You will get the Insignia Preferred Banking Card welcome benefit if you use your card within 30 days from the date of issuance. Also, ensure you pay the annual membership fee by the due date to receive the benefit.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1783505564549\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>When will you receive the reward points and vouchers?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>You will receive the reward points and vouchers after you settle your bill. The bank will process them within 45 days from the settlement date.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1783505577833\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>What happens after complimentary lounge visits are exhausted?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>After you exhaust your complimentary lounge access, each additional visit may attract a charge of up to $35. The fee is billed to your credit card account as per the applicable terms.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1783505591966\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How can I book a golf session?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>To schedule your golf game, call the MasterCard World Card Golf helpline at 1800 102 6263. You must provide at least 7 days&#8217; notice to confirm the booking.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1783505606282\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><strong>How do I access concierge services?<\/strong><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>For personalised assistance, call +91 22 6232 7777 and request the concierge desk. The team can help with reservations, travel planning, and lifestyle support.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Key Takeaways The Insignia Preferred Banking Card combines premium rewards and curated lifestyle privileges with structured financial value. Cardholders enjoy certain other benefits such as complimentary lounge visits, dining benefits, an annual fee waiver, and much more. The card also offers dedicated relationship support and priority service for a seamless banking experience.\u00a0 Thinking, what\u2019s more? [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":86735,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-86734","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-card"],"_links":{"self":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86734","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/comments?post=86734"}],"version-history":[{"count":3,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86734\/revisions"}],"predecessor-version":[{"id":86748,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/posts\/86734\/revisions\/86748"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media\/86735"}],"wp:attachment":[{"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/media?parent=86734"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/categories?post=86734"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/piceapp.com\/blogs\/wp-json\/wp\/v2\/tags?post=86734"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}