In-depth review
RBL Bank Binge Credit Card
An entry-level online-and-entertainment card earning 12 reward points per ₹100 on online spends — capped at 800 points a month — over a 1 point per ₹100 base, plus a monthly 1+1 BookMyShow ticket. The online accelerator is a genuinely strong entry-level rate up to the cap, but the complimentary lounge access this card once carried was discontinued in July 2025.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹1,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
3% on Online Shopping
12 reward points per ₹100 on online spends (~3% value), capped at 800 points a month — roughly ₹6,700 of online spend. A ₹99 redemption fee applies
0.25% on Other
1 reward point per ₹100 on all other (offline) spends (~0.25% value)
Annual Fee Waiver
Fee of ₹999 + 18% GST (₹1,179 all-in)/yr fully waived when you spend ₹1,00,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
Movie Ticket Benefit
1+1 BookMyShow offer on movie tickets (second ticket free, up to ₹200) once a month
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- 1+1 BookMyShow offer on movie tickets (second ticket free, up to ₹200) once a month
For online shoppers who want an accelerated points rate up to a monthly cap, plus a regular moviegoer who will use the monthly 1+1 BookMyShow ticket. Its ₹1 lakh waiver is easy to clear.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Online Shopping | reward points | 3%12 pts/₹100 × ₹0.25 | ₹200 |
| Other | reward points | 0.25%1 pts/₹100 × ₹0.25 | — |
Online Shopping: 12 reward points per ₹100 on online spends (~3% value), capped at 800 points a month — roughly ₹6,700 of online spend. A ₹99 redemption fee applies
Other: 1 reward point per ₹100 on all other (offline) spends (~0.25% value)
Earns nothing on: Education · Insurance · Utility Bills · Rent · Wallet Loads
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹1,179 |
| Joining fee (incl. 18% GST) | ₹1,179 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹100 |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹3,400/yr in total.
1% fuel surcharge waiver on transactions of ₹500–₹4,000, capped at ₹100 a month
1+1 BookMyShow offer on movie tickets (second ticket free, up to ₹200) once a month
Should you get it?
- Best for: Modest online shoppers who will stay within the monthly points cap, Moviegoers who want a monthly 1+1 BookMyShow ticket
- Entry tier — great for first-time and lower-spend users.
- Strongest value if you spend heavily on Online Shopping (3% back).
Pros & cons
✓ Pros
- 12 reward points per ₹100 on online spends (up to 800 points a month)
- Monthly 1+1 BookMyShow movie ticket (up to ₹200)
- 4,000-point welcome bonus and an easy ₹1 lakh fee-waiver bar
- Fuel surcharge waiver up to ₹100 a month
✕ Cons
- 12X online rate is capped at 800 reward points a month
- Thin 1 point per ₹100 base earn on offline spends, with a ₹99 redemption fee
- Complimentary lounge access was discontinued from 1 July 2025
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Online rewards catalogue (vouchers, merchandise) via the RBL rewards portal — ₹99 redemption fee
- 🎁Statement credit / cashback adjustment
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Standard redemption
Brand & e-gift vouchers
The 12X online rate is capped at 800 points a month (roughly ₹6,700 of online spend), base earn is only 1 point per ₹100, and the complimentary lounge access was discontinued in July 2025.
Frequently asked questions
How do the online rewards work?
What is the movie benefit?
Does the Binge card still offer airport lounge access?
What is the welcome benefit?
Which spends earn no reward points?
Is the card lifetime free?
How has the RBL Bank Binge Credit Card changed over time?
Has the RBL Bank Binge Credit Card been devalued recently?
When did the RBL Bank Binge Credit Card's fees last change?
How did the RBL Bank Binge Credit Card change in 2024?
The bottom line
Binge is a capped online-rewards card with a movie sweetener: 12 points per ₹100 online (to 800 points a month) is a strong entry-level rate, and the 1+1 BookMyShow ticket adds real value. But the cap limits upside, base earn is a thin 1 point per ₹100, and the lounge perk is gone — so it suits a modest online spender, not a high-volume one.
How this page was built
Counted from this card’s own record: 2 earn rules, 1 of them capped, the spends listed as earning nothing and 2 recorded perks. The renewal fee is conditional — it is waived on a published spend target, so the fee you pay depends on what you spend.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank Binge Credit Card are taken from RBL Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2021 · last change Jan 2026
2026
- ▼ FeeObserved Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee→1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2025
- ▼ LoungeEffective 1 Jul 2025
Complimentary lounge access withdrawn
Complimentary lounge access included→No lounge access
From 1 July 2025 RBL discontinued the Binge card's complimentary airport lounge access entirely — unlike sibling cards where domestic lounge visits were merely spend-gated at ₹35,000 prior-quarter spend, the Binge lost the benefit outright. The card's value now rests on its capped 12X online points and the monthly 1+1 BookMyShow ticket.
Verification: RBL Bank ↗ · Confidence: High
2024
- ▼ RewardEffective 15 Oct 2024
Milestone & reward points excluded on many categories
Most spends counted for points/milestones→Key categories excluded from points & milestones
Effective 15 October 2024 RBL further narrowed earning across its reward-point line-up: bonus milestone points no longer accrue on Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Real Estate/Rental, Education, Wallet/Service Providers, Government Services and similar categories, and no base reward points at all on Education, Government Services, Contracted Services, Cash and Bills2Pay. On the Binge this compounds the 2023 cull, further shrinking where the base 1 point per ₹100 applies.
Verification: RBL Bank ↗ · Confidence: High
- ▼ FeeEffective 15 Oct 2024
New 1% fees on large fuel, utility & education spends
No category surcharge on fuel/utility/education→1% on large fuel, high-value utility & third-party education
From 15 October 2024 RBL added a 1% fee on every fuel transaction over ₹10,000 (capped at ₹3,000 per transaction), 1% on utility spends above ₹50,000 a month, and 1% on education payments made via third-party apps (Cred, PhonePe, Paytm and similar). These apply to the Binge like every RBL card, independent of how it earns; the standard 1% fuel-surcharge waiver on ₹500–4,000 fuel spends continues.
Verification: RBL Bank ↗ · Confidence: High
2023
- ▼ RewardEffective 9 Oct 2023
Reward points removed on utilities, insurance, fuel & more
Base points on most spends→No points on insurance, wallet, fuel, utility, rental, railways, misc.
Effective 9 October 2023 RBL stopped awarding reward points on Insurance, Wallet, Fuel, Utility, Rental, Railways and Miscellaneous transactions across its reward-point cards, and made EMI, utilities and insurance ineligible. On the Binge this thins the base 1 point per ₹100 earn on those everyday categories; the 12X online accelerator was untouched.
Verification: RBL Bank ↗ · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/rbl-binge#value-timeline">RBL Bank Binge Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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