MyFinCards
Binge Credit Card

Joining Fee

₹999

Annual Fee

Rs. 999 (Reversed on annual spends of Rs. 1 Lakhs)

RBL Bank
Rewards
Lifestyle
Shopping
Best For: Online shoppers, Movie enthusiasts, Frequent fuel spenders, Lifestyle spenders on grocery, electronics, fashion

Binge Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹800 /monthly

Pros

  • 12x rewards on online spends
  • Free monthly 1+1 movie ticket on BookMyShow
  • Annual fee waiver on INR 1,00,000 spend
  • Fuel surcharge waiver up to INR 100/month
  • Welcome bonus of 4,000 reward points
  • Unlimited ATM cash withdrawals up to billing date

Cons

  • Online rewards capped at 800 points per month
  • Lounge access discontinued from July 01, 2025
  • Reward redemption fee of INR 99 + GST per redemption day
  • Lounge access requires INR 15,000 spend in preceding quarter

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

No welcome rewards for First Year Free cards

Reward points not earned on Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash (effective October 15, 2024)

Lounge access benefit discontinued W.E.F July 01, 2025

Rental spends excluded from lounge access qualifying spend

Key Benefits & Features

Easy Cash: Unlimited ATM cash withdrawal up to available cash limit till billing date. Processing fee 2.5% (min INR 500).

12 Reward Points per INR 100 on all online spends (max 800 Reward Points per month), excluding online purchases as specified.

Notable Exclusions

No reward points on Fuel & Auto transactionsNo reward points on Utility transactionsNo reward points on Insurance transactionsNo reward points on Quasi-Cash transactionsNo reward points on Railways transactionsNo reward points on Rental transactionsNo reward points on Education transactionsNo reward points on Wallet Load transactionsNo reward points on Government Services transactionsNo reward points on Contracted Services transactionsNo reward points on Cash transactionsNo reward points on Miscellaneous transactionsNo reward points on Bills2Pay transactions (Tran Code 71, Tran Code 72)No reward points on EMI transactions

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About Binge Credit Card

The RBL Bank Binge Credit Card is a lifestyle-focused Mastercard that combines the power of four cards in one, designed to complement the spending habits of online shoppers, movie enthusiasts, frequent fuel spenders, and lifestyle consumers. With an annual fee of INR 999, the card delivers rewards and savings across a wide range of categories including grocery, electronics, fashion, and entertainment, making it a strong companion for everyday spending. Cardmembers enjoy a welcome benefit of 4,000 Reward Points upon payment of the annual fee and spending INR 2,000 within 30 days of card issuance. Ongoing rewards include 12 Reward Points per INR 100 on online spends (up to 800 points per month) and 1 Reward Point per INR 100 on all other eligible purchases. Movie lovers benefit from a monthly 1+1 BookMyShow offer on tickets worth up to INR 200, while frequent drivers enjoy a fuel surcharge waiver of up to INR 100 per month on qualifying transactions. The card also offers 2 complimentary domestic airport lounge accesses per year, unlocked by spending INR 15,000 in the preceding calendar quarter. Cardmembers who spend INR 1,00,000 annually can earn a waiver on the next year's annual fee. Total annual benefits are valued at over INR 10,299, making the Binge Credit Card an exceptional value proposition for lifestyle-driven spenders.

Expert Review

Our Verdict

Lifestyle card with 12x rewards on online spends, free monthly movie ticket & airport lounge access.

Frequently Asked QuestionsAbout Binge Credit Card

FEESWhat is the joining fee and annual fee for the Binge Credit Card?
The Binge Credit Card has a joining fee of ₹999 and an annual fee of ₹999 (plus applicable GST). However, you can get the annual fee waived for the next year if you spend ₹1,00,000 or more in a year. This makes the card effectively free for moderate to high spenders who meet the annual spend milestone.
BENEFITSWhat welcome benefits do I get with the Binge Credit Card?
You receive 4,000 Reward Points as a welcome benefit upon payment of the annual fee and spending ₹2,000 within 30 days of card issuance. The value of these points can be up to ₹1,000 (at ₹0.25 per point). Please note that welcome rewards are not applicable for First Year Free cards.
REWARDSHow do I earn reward points on the Binge Credit Card?
You earn 1 Reward Point for every ₹100 spent on regular purchases, and 12 Reward Points for every ₹100 spent on online spends (capped at 800 points per month). Note that transactions on Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel, Quasi-Cash, Railways, Government Services, and certain other categories are not eligible for reward points.
REWARDSIs there a cap on reward points earned on online spends?
Yes, the accelerated reward points on online spends are capped at 800 Reward Points per month. This means you can earn up to 800 points at the 12x rate on online transactions each month. Regular offline spends continue to earn 1 Reward Point per ₹100 with no monthly cap mentioned.
REWARDSWhat is the value of 1 Reward Point on the Binge Credit Card?
The value of 1 Reward Point varies between ₹0.11 and ₹0.25 depending on the redemption category on the RBL Rewards portal (www.rblrewards.com). For benefit calculation purposes, RBL Bank assumes a value of ₹0.25 per Reward Point. Additionally, a redemption fee of ₹99 + GST applies per redemption day, regardless of the number of redemptions made in that single day.
USAGEHow can I redeem my reward points, and is there any redemption fee?
You can redeem your accumulated Reward Points on the RBL Rewards portal at www.rblrewards.com. A reward redemption fee of ₹99 + GST is applicable per redemption day, meaning it is charged once for all redemptions made on the same day. You can also access the redemption option through the card settings section in RBL Bank's online or mobile banking platforms.
BENEFITSWhat is the BookMyShow movie offer on the Binge Credit Card?
Binge Credit Card holders get a 1+1 (buy one get one free) movie ticket offer on BookMyShow once per month, with a discount of up to ₹200 per month. To avail this offer, select the discount in the offers/discounts section on the BookMyShow checkout page, enter your card details and expiry date. This offer cannot be combined with any other active offer.
BENEFITSDoes the Binge Credit Card offer airport lounge access?
The Binge Credit Card previously offered 2 complimentary domestic airport lounge accesses per year (1 per quarter), subject to spending ₹15,000 or more (excluding rental spends) in the preceding calendar quarter. However, effective July 1, 2025, RBL Bank has discontinued lounge access benefits for this card. Cardmembers will no longer be able to use this benefit after that date.
BENEFITSWhat fuel benefits does the Binge Credit Card offer?
The Binge Credit Card provides a fuel surcharge waiver of up to ₹100 per month. This waiver applies to fuel transactions between ₹500 (minimum) and ₹4,000 (maximum) at any fuel station across India. Over 12 months, this can add up to ₹1,200 in savings annually, making it a useful benefit for regular commuters and drivers.
USAGEWhat is the Easy Cash feature on the Binge Credit Card?
The Easy Cash feature allows you to make unlimited cash withdrawals from your available cash limit at any ATM across India, up to your billing date. A processing fee of 2.5% is applicable on each withdrawal, with a minimum fee of ₹500. This feature provides flexibility for cash needs, though it is advisable to use it only when necessary due to the processing fee.
FEESHow can I get the annual fee waived on the Binge Credit Card?
You can get your next year's annual fee of ₹999 waived by spending ₹1,00,000 or more within a card membership year. Once you cross this spend milestone, the annual fee for the following year will be reversed automatically. This spend-based waiver makes the card cost-effective for customers who use it as their primary card for everyday purchases.
REWARDSWhich spending categories are excluded from earning reward points?
Several categories do not earn reward points on the Binge Credit Card, including: Education, Insurance, Utilities, Rent Payments, Wallet Load, Fuel & Auto, Quasi-Cash, Railways, Real Estate, Government Services, Contracted Services, Bills2Pay, EMI transactions, and Cash withdrawals. These exclusions have been effective from October 15, 2024. Specific MCC codes are defined as per Mastercard guidelines for each excluded category.
BENEFITSWhat is the overall annual benefit value of the Binge Credit Card?
The total estimated annual benefit of the Binge Credit Card is over ₹10,299. This includes: Welcome gift worth ₹1,000, annual fee waiver worth ₹999, online spend rewards worth ₹2,400, lounge access worth ₹2,000 (discontinued from July 2025), regular spend rewards worth ₹300, BookMyShow offer worth ₹2,400, and fuel surcharge waiver worth ₹1,200 — all against an annual fee of just ₹999.
INTERNATIONALCan the Binge Credit Card be used for international transactions?
The Binge Credit Card is a Mastercard and can technically be used internationally wherever Mastercard is accepted. However, forex markup charges apply for international transactions (specific rate not mentioned on the page). The card's primary rewards and benefits — including the BookMyShow movie offer, fuel surcharge waiver, and lounge access — are designed for domestic use within India.
APPLICATIONHow do I apply for the RBL Binge Credit Card?
You can apply for the Binge Credit Card online through the RBL Bank website. The application process involves filling out a form with your personal and financial details, submitting required KYC documents such as identity proof, address proof, and income proof, and awaiting approval. You can also visit your nearest RBL Bank branch to apply in person. The card is issued on the Mastercard network.

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