RBL iGlobe
KeepThe NRI's RBL card — 2.5% abroad against a 1.5% forex, if you bring the NRE account.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: ₹3,000 MakeMyTrip voucher — one eligible purchase within 30 days + annual fee payment
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹22,000 a month
At ₹22,000 a month — ₹2,64,000 a year — on the everyday mix this card returns ₹3,100 gross (earn ₹3,100) against its ₹3,000 fee = ₹100 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
Denied or downgraded? The head-to-heads: RBL World Safari.
The take
iGlobe is RBL's NRI card, and read as one it's quietly sensible. The same 5 RP/₹100 (1.25%) base as Insignia, 10 RP/₹100 on international spend — and because the forex markup is a soft 1.5%, foreign swipes net about +1% where most Indian cards bleed. The ₹3,000 MakeMyTrip voucher refunds the ₹3,000 fee in year one, milestones add 20,000 points (₹5,000) across ₹5L/₹8L, and you get 2 domestic lounge visits a quarter plus 6 Priority Pass visits a year. The catches are structural: NRI-only, branch-sold, and billed exclusively by standing instruction from an RBL NRE savings account — the bank relationship is the price of admission. Points remain closed-loop RBL RP with a ₹99-a-day redemption fee, and the Club ITC door costs 4:1 — exactly the ₹0.25 catalogue value, a shrug. For an NRI who'd keep the NRE account anyway, an honest keeper; for everyone else, not even available.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹3,000/yr at stake · 5 spend bands
The charge ₹3,000/yr
Break-even ₹22,000 a month — ₹2,64,000 a year — is where this card's value crosses its fee.
At your spend
₹500 a year, net of the fee, at ₹3,00,000 of annual spend
₹6,600 a year, net of the fee, at ₹6,00,000 of annual spend
₹16,100 a year, net of the fee, at ₹12,00,000 of annual spend
₹44,300 a year, net of the fee, at ₹36,00,000 of annual spend
₹72,500 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
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 the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 21 Aug 2026 Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands a program these points reach
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet 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
- 10 RP/₹100 (2.5%) on international spend vs a 1.5% forex markup — nets ~+1% abroad
- ₹3,000 MakeMyTrip welcome voucher refunds the ₹3,000 fee in year one
- 20,000 milestone points (₹5,000) across ₹5L / ₹8L annual spend
- 2 domestic lounge visits/quarter + 6 international/year via Priority Pass
- Club ITC transfers at 4:1 — a hotel door out of a closed loop, at par ₹0.25
Watch out
- NRI-only, branch-sold, and billed ONLY via Standing Instruction from an RBL NRE savings account
- No fee waiver — ₹3,000 + GST every year; the MMT voucher has to keep earning it
- Closed-loop points: ₹0.25 catalogue, ₹99 + GST per redemption day, no airline partners
- Zero points on cash, EMIs, fees, taxes, railways and rent
What these points actually fly
You hold this — the numbers below are your own points.
These points feed 21 programmes that publish an award chart. Cheapest verified seat per cabin, priced in YOUR points with this card's own ratio already applied:
- Bengaluru → Colombo Economy 52,000 RBL Reward Points via Avios (BA / Qatar / Finnair) at 8:1 (through Club ITC → Marriott Bonvoy) the play
- Delhi → Mumbai Business 100,000 RBL Reward Points via Air Canada Aeroplan at 8:1 (through Club ITC → Marriott Bonvoy) the play
- Mumbai → Hyderabad First 160,000 RBL Reward Points via Air Canada Aeroplan at 6.4:1 (through Club ITC → Marriott Bonvoy) the play
What earns, what doesn't
7 sourced rules · 5 pay zero
iGlobe earns 5 RP/₹100 domestic, 10 RP/₹100 international. CardInsider prints the exclusion list: cash withdrawals, EMIs, fees, taxes, railways, rentals. Fuel/wallet follow RBL standard — flagged.
- Fuel · excluded 1% surcharge waiver on ₹500–₹4,000 txns, cap ₹250/month; no RP — RBL standard, community, flag
- Rent & property management · excluded Rentals excluded (CardInsider exclusion list)
- Wallet loads · excluded Wallet loads excluded — RBL standard, community, flag
- Government / tax · excluded Fees and taxes excluded (CardInsider exclusion list)
per RBL Bank T&C (community-sourced) · rank every card by spend category →
Does your spend count toward the milestones?
not published — and we say which
₹5,00,000 a year is the bar for the first milestone. 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 iGlobe earns and does not earn, but has not published which spend categories count toward the milestones — 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.
Where the miles go
1 program
Ratios read card points : partner miles — 2:1 means 2 points become 1 mile. Never the other way round.
every RBL Bank route, side by side → · the RBL Reward Points hub →
Lounge access
678 of 793 tracked doors
Opens 678 of 793 tracked lounge doors across 270 airports , via Priority Pass Global — see the full map →
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.
Invite-only — there is no public application form. The bank calls you.
Exclusively for NRI customers, sold through RBL Bank branches — no online application. Bill payment is accepted only via Standing Instructions from an RBL Bank NRE savings account, so the account relationship is mandatory. RBL publishes no separate income or age cutoff.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official RBL Bank MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
Fee ₹3,000 + GST both years, no spend waiver. NRI-only, sold through RBL branches; bill payment accepted ONLY via Standing Instruction from an RBL NRE savings account. 5 RP/₹100 domestic, 10 RP/₹100 international against the 1.5% forex. No income/age criteria published.
per the official RBL Bank MITC · reviewed 10 Jul 2026
What's changed for this card
6 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.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trio
- 21 Aug 2026Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands
- 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 · the net-annual-value engine, at our house ₹/point
Every document behind this page — 6 of them, each with the day we read it
- official Official product page — NRI-only, ₹3,000 + GST, 5/10 RP earn, ₹3k MMT welcome, 10k+10k milestones at ₹5L/₹8L
- official iGlobe product T&C (official PDF, linked from the product page) — §3.7 "Lounge Access Outside India"
- official Bank-wide MITC PDF — ₹3,000 fee (NIL for Insignia Preferred Banking customers), 1.5% forex, tiered APR, late fee, ₹99/day redemption fee
- community CardInsider review — earn exclusions (cash/EMI/fees/taxes/railways/rent), railway lounges, golf, redemption fee
- official RBL network availability guide — iGlobe is Mastercard-only
- official Club ITC × RBL partner page — iGlobe converts 4:1 into Green Points, minimum 100 RP per transfer