RBL Club Concierge
Cancel₹5,000 a year, free to join, and RBL never published what it bought you.
no published earn rate to price
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. Everything we can source — the fee, the charges, the migration that put this card in your hand — is above and stands on its own; this card is simply not on the board, not in the calculator, and cannot win a best-of call until RBL Bank publishes terms we can cite.
Why we decline to value some cards, and what it takes to change that →
2 notes on the card itself: how it is issued · why it ranks #1071
Why #1071 A ₹5,000 RBL card from the pre-2017 shelf that no surviving document describes. Carried because RBL priced it by name in its own MITC and it belongs to the record; not ranked, because no earn rate, currency or benefit was ever published for it.
The take
Club Concierge sits in RBL's February-2017 MITC between the Insignia Preferred Banking Card and Platinum Maxima, priced at nothing to join and ₹5,000 a year, reversed on ₹5 lakh of spend. That row is the entire published record of the card. RBL's own credit-card menu of the same period lists fourteen products by name — Insignia, Icon, Platinum Maxima, MoneyTap, Titanium Delight, Platinum Delight, the Bajaj Finserv SuperCard, Movies and More, Crownit, both India Startup Club cards, the IGU NHS Golf World Card, Hypercity and Crossword — and Club Concierge is not among them, so it never had a product page to lose. The name is the only clue to the proposition and it is not evidence: at ₹5,000 against Insignia's ₹5,000 in the same table, this was priced as a genuine premium card, and a premium card whose benefits nobody wrote down is a card we can name and date but not value. It is on the board so that a reader who finds the name on an old statement lands on the truth — that RBL charged this, waived it at ₹5 lakh, and stopped selling it before the site was rebuilt.
Your renewal — keep, downgrade or cancel
There is no renewal arithmetic to run on this card yet — and a break-even we cannot source is not one we will print.
the whole desk — what changed, the downgrade, and what we cannot price →
Keep, downgrade or cancel
what we can and cannot price
Not valued. We can't value this card until the issuer publishes how it earns — every net-value number here would be a fee subtracted from rewards nobody has described. A break-even is the spend at which value crosses a fee, and we are short one side of that sentence — so this desk prints no ladder, no crossing and no ₹0 standing in for either. What we can source about this card is under Sources.
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
RBL Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and we cannot price either side of it.
What has changed under this card
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet issuer-wide
- 1 Jul 2025 RBL gates domestic lounges behind ₹35k a quarter issuer-wide
- 15 Oct 2024 RBL strips points from education, government and wallet spends issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- Nothing to join; ₹5,000 a year, reversed on ₹5 lakh of annual spend
- Priced by name in RBL's own MITC alongside Insignia at the same ₹5,000 — the bank's premium tier of the day
Watch out
- WITHDRAWN — RBL's live Schedule of Charges prices sixty variants by name and Club Concierge is not one of them
- NO PUBLISHED BENEFITS AT ALL. RBL never gave this card a product page: it is absent from the 2017 credit-card menu, from the Angular product estate and from the live sitemap
- NO PUBLISHED EARN RATE and no named currency — the card is carried, not valued, and appears in no ranking or calculator
- The 2017 MITC's reduced 3.4%-a-month interest rate was for Insignia and Golf cards only; everything else, this card included, paid 3.5% a month (42% a year)
- RBL charges 1% on FIVE transaction types its Schedule of Charges lists separately from the reward exclusions: rent (MCC 6513, on every transaction), fuel and auto above ₹10,000 a transaction (capped at ₹3,000), utility spends above ₹50,000 a month, education paid through third-party apps such as CRED, PhonePe or Paytm (school and college websites are exempt), and — with effect from 7 January 2026 — FASTag loading and tolls above ₹10,000 a transaction. These are FEES, listed nowhere near the reward exclusions: a category can both cost you 1% and earn you nothing
What these points actually fly
RBL Bank has not published what this card earns, so there are no points here to fly with — not zero points, and not points that go nowhere: nothing stated either way. The moment a benefit sheet exists we will price whatever it names.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹5,00,000 a year is the bar that waives the ₹5,000 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. RBL Bank states what the RBL Club Concierge earns, but has not published which spend categories count toward the fee waiver — the ₹5,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. RBL's live Schedule of Charges names sixty card variants and Club Concierge is not among them, and the bank published no product page for it even while it was priced.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
4 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trioAn older single Shoppers Stop co-brand line → Three tiers — Gold (₹1,000), Platinum (₹5,000), Black (₹10,000) annual — earning 10 RP/₹200 (Gold, Platinum) or 15 RP/₹200 (Black) across the Shoppers Stop Universe, with points worth ₹0.25 / ₹0.50 / ₹1.00 respectively
RBL rebuilt its Shoppers Stop co-brand into a three-card ladder. The fee rung buys a richer point, not just more of them: a Reward Point is worth ₹0.25 on Gold, ₹0.50 on Platinum and ₹1.00 on Black, so Black's 15 RP per ₹200 at ₹1 a point is a genuine 7.5% back on First Citizen days inside the Shoppers Stop Universe. Welcome vouchers scale the same way (₹500 quarterly on Gold, ₹2,000 plus Platinum membership and a makeover on Platinum, ₹1,500 quarterly on Black). No lounge access on any of the three — these are store cards and earn like it, with value only inside Shoppers Stop. All three are already on our board.
- 7 Jan 2026RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet
- 1 Jul 2025RBL gates domestic lounges behind ₹35k a quarter
- 15 Oct 2024RBL strips points from education, government and wallet spends
Verified against RBL Bank's own documents on
Not published , and we will not invent it: the earn rate and the currency it earns.
Every document behind this page — 3 of them, each with the day we read it
- official RBL's February-2017 MITC — fourteen cards priced by name, and the only document anywhere that prices Club Concierge: nothing to join, ₹5,000 a year, waived at ₹5 lakh
- official RBL's own credit-card menu of the same period, captured 13 May 2017 — fourteen products listed by name, and no Club Concierge among them
- official RBL's live Schedule of Charges (RBL-CC-SOC-V2-12-12-2025) — sixty named fee rows and no Club Concierge row, the sourced basis for availability:closed