Binge Credit Card

Joining Fee

₹999

Annual Fee

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

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.

These details are based on information updated on . Fees and benefits change often - confirm on the issuer's own page before applying.

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.

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