How do the online rewards work?

Cardholders earn 12 reward points per ₹100 on online retail spends, subject to a monthly maximum of 800 points. Once the monthly cap is reached, additional online spending earns at the standard base rate of 1 point per ₹100. Valuing RBL points at roughly ₹0.25, this delivers an effective return of about 3% online (up to ₹200 in monthly value) versus 0.25% on general spending.

What is the movie benefit?

You receive a buy-one-get-one free movie ticket each calendar month on BookMyShow, offering up to ₹200 in discount value when booking two or more tickets.

Does the Binge card still offer airport lounge access?

No. Complimentary domestic airport lounge access on the RBL Binge Credit Card was discontinued effective 1 July 2025. The card no longer includes any free airport lounge visits.

What is the welcome benefit?

New cardholders receive 4,000 reward points upon making their first transaction within 30 days of card setup and paying the first-year fee. Valued at roughly ₹1,000 against the all-inclusive joining fee of ₹1,179 (including 18% GST), this benefit results in an initial net cost of approximately ₹179 before ongoing spend rewards.

Which spends earn no reward points?

Reward points are not earned on education, insurance premiums, utility bills, rent payments, or digital wallet loads across both the 12X online rate and the base tier. All other eligible retail transactions earn standard points.

Is the card lifetime free?

No, the card carries a ₹999 joining fee and a ₹999 annual renewal fee. The renewal fee is waived if annual retail spending reaches ₹1 lakh.

How has the RBL Bank Binge Credit Card changed over time?

The dated Value Timeline on this page records 6 modifications for the RBL Bank Binge Credit Card since 2021: 5 devaluations, 0 enhancements, and neutral product updates. The most recent adjustment on 7 January 2026 introduced a 1% fee on large FASTag top-ups and toll payments. Every logged change is cited with official bank sources.

Has the RBL Bank Binge Credit Card been devalued recently?

Yes, our records document 4 devaluations for the card over the past 24 months. The most recent occurred on 7 January 2026 with the introduction of a 1% fee on FASTag reloads and toll transactions exceeding ₹10,000. A comprehensive list of changes with source citations appears in the Value Timeline below.

When did the RBL Bank Binge Credit Card's fees last change?

On 7 January 2026, a 1% fee was introduced on FASTag top-ups and toll payments above ₹10,000. The full active fee schedule is available in the table on this page, with historical adjustments logged in the Value Timeline.

How did the RBL Bank Binge Credit Card change in 2024?

In 2024, our records track 2 devaluations for the Binge card (effective 15 October 2024): the introduction of 1% fees on large fuel, utility, and education transactions, and the exclusion of key spend categories from reward accrual and milestone qualification. Prior to this date, most retail spends earned points and counted toward milestones. All dated updates can be referenced in the Value Timeline.

RBL BankENTRY

RBL Bank Binge Credit Card

4.0 / 5SarvCred Editorial Review

Check my eligibility

RBL Bank

RBL Bank Binge Credit Card

Name: RBL Bank Binge Credit Card
Brand: SarvCred
Rating: 4 (1 reviews)

Entry levelFee variesRewardsTravelDining

The RBL Binge is 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 buy-one-get-one BookMyShow ticket (up to ₹200). It is a ₹999 card (waived at ₹1 lakh of annual spend) with a 4,000-point welcome bonus. The online accelerator is genuinely useful up to the cap, but the lounge access this card once carried was discontinued from 1 July 2025, so the value now rests on online points and the movie offer.

Key features

What this card is built to do — the highlights that actually matter.

🎁

Welcome Benefit

~₹1,000 in vouchers, points or cashback on card activation

⭐

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

Full reward structure

Category	Type	Rate	Monthly cap
Online Shopping	reward points	3%	₹200
Other	reward points	0.25%	—

Fees & charges

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.

🎬

movie ticket ~ ₹2,400 /yr

1+1 BookMyShow offer on movie tickets (second ticket free, up to ₹200) once a month

⛽

fuel waiver ~ ₹1,000 /yr

1% fuel surcharge waiver on transactions of ₹500–₹4,000, capped at ₹100 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

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

Age

21 –65 years

Min. income

₹25,000 /mo

Employment

Salaried · Self-employed

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.

Statement credit BEST Standard redemption

₹ 0.25 /pt

Gift voucher catalogue BEST Brand & e-gift vouchers

₹ 0.25 /pt

The concern 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.

The bottom line

The Binge Card functions as a capped online-spending card paired with an attractive cinema benefit: 12 points per ₹100 online (up to 800 points monthly) provides strong entry-tier value, and the 1+1 BookMyShow ticket adds genuine monthly savings. However, the tight reward ceiling limits upside, standard offline spending earns a meager 1 point per ₹100, and complimentary lounge access has been removed—making it best suited for moderate online spenders rather than heavy users.

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 verified 6 Aug 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.

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 · 6 changes · last change Jan 2026

▲ Revaluation ▼ Devaluation ◆ Neutral / reversed

2026 1 change — 1 cut

▼ Fee Observed 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.