RBL Bank
RBL Super Binge Credit Card
This is an invite only card
Apply and get ₹700 Rewards
Top Benefits
Get 4,000 Bonus Reward Points on Joining
on payment of annual fee and spends of INR 2,000 within 30 days of card issuance
Get 1+1 Free on BookMyShow Movie Tickets
up to ₹200 off, once a month on any day
Best For
Shopping
The RBL Super Binge Credit Card is a co-branded entry-level rewards card from RBL Bank built for one sp...
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The RBL Super Binge Credit Card is a co-branded entry-level rewards card from RBL Bank built for one sp...
The RBL Super Binge Credit Card is a co-branded entry-level rewards card from RBL Bank built for one specific spender: the urban online shopper. With 12X reward points on online spends (capped at 800 points a month), a Buy 1 Get 1 BookMyShow movie offer up to ₹200 once a month, and a 4,000-point welcome gift worth ₹1,000, this card focuses its value on three pillars: online shopping, entertainment, and a clear welcome win.
What sets the RBL Super Binge Credit Card apart from generic entry-level cards is its accelerated online reward structure. You earn 12 reward points for every ₹100 spent on online purchases, while offline and retail spends earn the standard 1 point per ₹100. At ₹0.25 per point in catalogue redemption, the online reward rate works out to a 3% return up to the 800-point monthly cap, which translates to roughly ₹6,667 in online spending each month before the cap kicks in.
The card is positioned for first-time and entry-level credit card users with monthly card spending of ₹15,000 to ₹30,000, of which a meaningful chunk goes to online shopping (Amazon, Flipkart, Myntra, Swiggy). It is not the right pick for someone who needs lounge access (this benefit was discontinued effective 1st July 2025), travels internationally (forex markup is 3.50%), or whose spending is dominated by excluded categories like fuel, insurance, utilities, EMI conversions, and rent.
View FAQ
Commonly Asked Questions
Who is the RBL Super Binge Credit Card best suited for?
The RBL Super Binge Credit Card is best for first-time or entry-level credit card users who shop online regularly. If you spend at least ₹6,000 a month on online purchases (Amazon, Flipkart, Myntra, Swiggy), the 12X reward rate delivers meaningful value. The card also suits movie buffs who use BookMyShow once a month and salaried professionals earning ₹25,000 a month or more.
Is the RBL Super Binge Credit Card a lifetime free card?
No, the RBL Super Binge Credit Card has a joining fee of ₹999 and an annual fee of ₹999. The joining fee is partly offset by a welcome benefit of 4,000 reward points worth ₹1,000. The annual fee is waived if you spend ₹1 lakh or more in a card anniversary year.
What is the welcome benefit on the RBL Super Binge Credit Card?
You get 4,000 bonus reward points worth ₹1,000 upon payment of the joining fee and spending ₹2,000 within 30 days of card issuance. The welcome benefit fully covers the ₹999 joining fee, so first-year cost is essentially neutral if you redeem the points at full catalogue value.
How many reward points do I earn per ₹100 on this card?
You earn 12 reward points per ₹100 on online spends (capped at 800 points per month), and 1 reward point per ₹100 on offline retail spends. Each reward point is worth ₹0.11 to ₹0.25 depending on the redemption category, so the effective return rate ranges from 1.32% to 3% on online spends.
Expert Review
Joining / Annual Fee
Joining Fees
₹1,179 ( ₹999 + GST )
Annual Fees
₹1,179 ( ₹999 + GST )
The RBL Super Binge Credit Card carries a joining fee of ₹999 and an annual fee of ₹999. Both amounts a...
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The RBL Super Binge Credit Card carries a joining fee of ₹999 and an annual fee of ₹999. Both amounts a...
The RBL Super Binge Credit Card carries a joining fee of ₹999 and an annual fee of ₹999. Both amounts are exclusive of GST, so the actual debit on your statement is ₹1,179 each, including 18% GST.
The joining fee is partly offset by the welcome benefit. You receive 4,000 bonus reward points worth ₹1,000 (at full catalogue redemption) upon paying the joining fee and spending ₹2,000 within 30 days of card issuance. So if you redeem the welcome points at the full ₹0.25 per point catalogue value, your effective first-year cost is just the GST portion of ₹180 plus the difference between cash value and redemption value.
The annual fee of ₹999 is waived if you spend ₹1 lakh or more in a card anniversary year. That works out to roughly ₹8,400 a month in eligible spending, which is a moderately easy bar for active users. Practical example: averaging ₹10,000 a month in card spends gets you past the ₹1 lakh threshold and triggers an automatic fee reversal in your renewal statement.
For users who do not hit the ₹1 lakh spend, the ₹999 fee is charged in your renewal cycle. Combined with the lounge benefit discontinuation in July 2025, the renewal year math is tighter than the welcome year. Active online shoppers and movie buffs can still extract value, but passive holders should consider alternatives.
View FAQ
Commonly Asked Questions
What is the joining fee of the RBL Super Binge Credit Card?
The joining fee is ₹999 plus 18% GST, bringing the total debit on your first statement to ₹1,179. The fee is partly offset by the 4,000-point welcome benefit worth ₹1,000 upon completing ₹2,000 in spends within 30 days.
What is the annual fee on this card?
The annual fee is ₹999 plus 18% GST (₹1,179 total), charged on the first card anniversary. The fee is waived if your annual spending crosses ₹1 lakh in the previous card year.
How is the annual fee waiver calculated?
RBL Bank tracks total spends from the date of card activation to the next card anniversary. If cumulative eligible spend touches ₹1 lakh, the next year's annual fee is automatically reversed in your renewal statement, within one billing cycle of the anniversary.
How much do I need to spend monthly to hit the fee waiver?
You need to average ₹8,400 a month in eligible spends across 12 months to clear the ₹1 lakh annual threshold. For most active users, this is realistic if the card is used as a primary plastic for online shopping, dining, and entertainment.
What spends count towards the ₹1 lakh fee waiver?
Standard retail and online spends count towards the ₹1 lakh fee waiver, including shopping, dining, entertainment, and travel bookings. Excluded categories like fuel, insurance, government payments, utility bills, and EMI conversions do not contribute towards the waiver target.
Are the joining and annual fees refundable?
The joining fee is not refundable once charged, since it is tied to card issuance and the welcome benefit. The annual fee is reversed only if the spend-based waiver condition is met during the previous card year.
Is there a First Year Free option for this card?
RBL Bank does occasionally offer First Year Free variants of the Super Binge through promotional channels. Note that First Year Free cards do not qualify for the 4,000-point welcome benefit, since the joining fee waiver replaces the welcome reward.
Is GST charged on the joining and annual fees?
Yes, 18% GST is added on top of both the ₹999 joining fee and the ₹999 annual fee. So the actual amount that hits your statement is ₹1,179 each, inclusive of taxes.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
3LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
The RBL Super Binge Credit Card has a moderately accessible eligibility profile aligned with its entry-...
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The RBL Super Binge Credit Card has a moderately accessible eligibility profile aligned with its entry-...
The RBL Super Binge Credit Card has a moderately accessible eligibility profile aligned with its entry-level positioning. The income threshold sits at ₹25,000 a month or ₹3 lakh annually, which fits most urban salaried professionals.
The age window is 21 to 60 years for salaried applicants and 21 to 70 years for self-employed applicants. The minimum monthly income is ₹25,000, with an annual income of ₹3 lakh required for both employment types. A CRIF or CIBIL score of 720 or higher is preferred.
To frame this simply: a salaried professional earning ₹25,000 a month qualifies, which most entry-level urban roles in metro cities clear easily. Self-employed applicants with two years of clean ITR filings showing ₹3 lakh annual income are also strong candidates. The 720 credit score is friendly for first-time credit card applicants who have built a clean repayment history.
Important context: RBL Bank and Bajaj Finance have stopped issuing new co-branded credit cards under their partnership. New applicants should verify card availability with RBL Bank directly before applying. Existing cardholders continue to enjoy the card's benefits.
| Criterion | Salaried | Self Employed |
|---|---|---|
| Minimum Age | 21 years | 21 years |
| Maximum Age | 60 years | 70 years |
| Minimum Monthly Income | ₹25,000 | ₹25,000 equivalent |
| Minimum Annual Income | ₹3 lakh | ₹3 lakh |
| CIBIL / CRIF Score | 720+ | 720+ |
| Residency | Indian Resident | Indian Resident |
View FAQ
Commonly Asked Questions
What is the minimum salary required for the RBL Super Binge Credit Card?
The minimum monthly salary required is ₹25,000, with an annual income of ₹3 lakh for salaried applicants. Self-employed applicants need ITR-backed annual income of at least ₹3 lakh for approval.
What is the minimum age for this card?
The minimum age is 21 years for both salaried and self-employed applicants. The maximum age is 60 years for salaried applicants and 70 years for self-employed applicants.
What CIBIL score do I need for this card?
A credit score of 720 or higher is preferred for approval. Applicants with scores between 700 and 720 may still be considered if income is well above the minimum bar and credit history is clean.
Can self-employed people apply for this card?
Yes, self-employed individuals are eligible. The age window is wider for self-employed (21 to 70 years) compared to salaried applicants (21 to 60 years). The bank reviews the latest two years of ITR and bank statements to assess income stability.
Can a college student apply for this card?
Students without a regular income source are not eligible directly. The minimum income threshold of ₹25,000 a month effectively excludes most students. A student with a part-time job earning ₹25,000 or above can apply once they meet the age and credit score criteria.
Do I need to be an RBL Bank customer to apply?
No, you do not need an existing RBL Bank account to apply for this card. Both new-to-RBL-Bank customers and existing customers can apply, although new cardholder applications may face availability constraints since RBL Bank and Bajaj Finance have paused new co-branded card issuance.
Is there an add-on card option?
Yes, RBL Bank offers add-on cards for immediate family members on the Super Binge Credit Card. Add-on cards share the credit limit and earn reward points on the same rules, but the welcome benefit and primary cardholder-specific perks are restricted to the primary card.
What documents are required during the application?
You need a PAN card, Aadhaar card, latest 3 months of salary slips (or 2 years of ITR for self-employed), and 6 months of bank statements showing salary or business credits. Have soft copies ready before starting the application.
All Card Benefits
- 12X reward points on all online spends, capped at 800 points per month
- Buy 1 Get 1 free on BookMyShow movie tickets up to ₹200, once a month
- 4,000 bonus reward points worth ₹1,000 as a welcome gift on joining
The RBL Super Binge Credit Card delivers value across four clear pillars: a strong welcome bonus, accel...
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The RBL Super Binge Credit Card delivers value across four clear pillars: a strong welcome bonus, accel...
The RBL Super Binge Credit Card delivers value across four clear pillars: a strong welcome bonus, accelerated online reward earning, BookMyShow movie BOGO, and fuel surcharge waiver. Below is a breakdown of each so you can match the perks against your real usage pattern. Note that lounge benefits, which were originally part of this card, were discontinued effective 1st July 2025.
Welcome Benefits
The headline welcome benefit is 4,000 bonus reward points (worth ₹1,000 at standard catalogue redemption) credited to your card account upon payment of the ₹999 joining fee and completion of ₹2,000 in spends within 30 days of card issuance.
Practical math: the ₹999 joining fee is fully recovered through the welcome benefit if you redeem the 4,000 points at the full ₹0.25 per point catalogue rate. Even at the lower end of the reward valuation (₹0.11 per point for cashback redemption), 4,000 points are worth ₹440, recovering close to half the joining fee. Combined with 12X rewards on online spends, the first-year math works out comfortably positive for active users.
Note that the welcome benefit applies only to the standard paid version of the card. First Year Free variants of this card (issued through select promotional channels) do not qualify for the 4,000-point welcome bonus.
Reward Points Structure
The RBL Super Binge Credit Card uses a two-tier reward structure. The headline tier is 12 reward points per ₹100 on all online spends, which translates to a 3% return at the highest catalogue redemption rate (₹0.25 per point). However, this 12X tier is capped at 800 reward points per month, equivalent to roughly ₹6,667 in monthly online spending before the accelerated rate caps out.
The base tier is 1 reward point per ₹100 on all other eligible spends, including offline retail and online spends beyond the monthly cap. At ₹0.25 per point, this works out to a 0.25% return on offline and post-cap spends.
An important caveat: each RBL reward point is worth ₹0.11 to ₹0.25 depending on the redemption category. Gift vouchers and travel bookings sit at the higher end (₹0.25 per point), while cashback and certain product redemptions land closer to ₹0.11 per point. So the actual return rate you earn depends heavily on how you redeem points.
Practical example: a Super Binge cardholder spending ₹6,000 a month on Amazon, Flipkart, and Swiggy earns 720 reward points monthly (within the 800-point cap), worth ₹180 at full catalogue value. Add ₹15,000 in offline grocery and shopping spends each month, which earns 150 reward points worth ₹37. Combined annual reward earnings: 720 + 150 = 870 points monthly, or 10,440 points annually, worth ₹2,610 at full catalogue value.
Excluded categories that earn zero 12X reward points (and only 1X on the standard tier where applicable): online spends on education, insurance, utilities (including Bills2Pay), rent payments, wallet loads, and fuel. These categories also don't contribute to the welcome bonus or annual fee waiver thresholds.
Movie Ticket BOGO Offer
The card offers a Buy 1 Get 1 free movie ticket benefit on BookMyShow with a maximum discount of ₹200 per transaction. The offer is valid once a month on any day of the month, so up to 12 free tickets a year for the second seat in your booking.
To claim the offer, book your movie tickets through the BookMyShow app or website and apply the offer through the offers or discounts section at checkout. Pay with the RBL Super Binge Credit Card to complete the booking. The offer cannot be combined with other BookMyShow promotional offers.
Practical example: a typical multiplex movie ticket in a metro city costs ₹250 to ₹500. The BOGO offer caps the second ticket discount at ₹200, so for a ₹400 ticket, you save the full ₹200. One BOGO use a month adds up to ₹2,400 in annual savings, which alone covers more than twice the annual fee.
Fuel Surcharge Waiver
The RBL Super Binge Credit Card offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹100 per month. The benefit applies across fuel stations in India, so it works at HPCL, IOCL, BPCL, Reliance, and Shell pumps.
Practical example: if you spend ₹3,000 a month on fuel (₹1,500 in two transactions), the 1% surcharge of ₹30 is waived, saving you ₹360 over a year. Note that fuel transactions do not earn reward points on this card, so the waiver is the only fuel benefit.
Lounge Access (Discontinued)
It is important to note that the airport lounge access benefit on the RBL Super Binge Credit Card was discontinued effective 1st July 2025. Existing cardholders no longer receive complimentary domestic airport lounge visits with this card.
This represents a meaningful devaluation from the original card terms, since lounge access was historically part of the card's value proposition. If lounge access is a critical benefit for you, consider alternatives like the IDFC FIRST Select Credit Card (lifetime free, 1 domestic lounge per quarter), HDFC Millennia (₹1,000 fee, 4 to 8 lounge visits per year), or premium travel cards.
View FAQ
Commonly Asked Questions
How do I claim the 4,000 welcome reward points?
The 4,000 welcome reward points are auto-credited to your card account once you pay the joining fee and complete ₹2,000 in eligible spends within 30 days of card issuance. The points reflect on your statement within 60 to 90 days of meeting both criteria.
What spends count towards the ₹2,000 welcome trigger?
Standard retail and online card spends count towards the ₹2,000 welcome trigger. Excluded categories like fuel, insurance, government payments, utility bills, and EMI conversions do not contribute. Plan a routine online or shopping transaction within the first two weeks of card receipt to lock in the welcome benefit.
Is the welcome benefit available on First Year Free cards?
No, the 4,000-point welcome benefit applies only to the paid version of the RBL Super Binge Credit Card. First Year Free cards (issued through promotional offers) do not qualify for this welcome bonus, since the joining fee waiver replaces the upfront welcome reward.
What if I miss the 30-day window?
The welcome benefit is strictly tied to the 30-day window from card issuance. Missing it means the offer lapses with no carry-forward option. Make a small ₹2,000 transaction (online shopping or grocery purchase) within the first week of receiving the card to lock in the benefit.
How much is one reward point worth in rupees?
Each RBL reward point is worth ₹0.11 to ₹0.25 depending on the redemption category. Gift vouchers and flight or hotel bookings deliver the higher ₹0.25 value, while cashback redemptions sit closer to ₹0.11. So an 800-point monthly accumulation can range from ₹88 to ₹200 in actual value depending on how you redeem.
What is the monthly cap on the 12X online reward?
The 12X reward tier is capped at 800 reward points per month on online spends. This corresponds to roughly ₹6,667 in monthly online spending. Online spends beyond this cap revert to the standard 1X reward rate (1 point per ₹100).
Do online spends on Amazon, Flipkart, and Myntra qualify for 12X?
Yes, most standard online retail purchases on platforms like Amazon, Flipkart, Myntra, Swiggy, and other e-commerce sites earn the 12X reward rate up to the 800-point monthly cap. Online spends on excluded categories (education, insurance, utilities, rent, wallet load, fuel) do not qualify for the 12X rate.
What is the reward rate on offline spends?
Offline retail spends earn 1 reward point per ₹100 on this card. At ₹0.25 per point in catalogue redemption, that is a 0.25% return on offline transactions. The 12X rate applies only to online spends within the monthly cap.
Do reward points expire on this card?
Reward points on RBL Bank credit cards have validity periods set by the bank's reward programme rules. Active cardholders who earn or redeem points periodically retain validity. Track your point balance on the RBL rewards portal at rblrewards.rbl.bank.in and redeem the oldest points first to avoid lapse.
Where can I redeem my reward points?
Reward points on this card can be redeemed for gift vouchers, flights and hotels, merchandise, mobile recharge, cashback, and donations through the RBL rewards portal at rblrewards.rbl.bank.in. Gift voucher and travel redemptions deliver the highest per-point value at ₹0.25, while cashback sits at the lower end of the ₹0.11 per point range.
Are excluded categories included anywhere?
Online spends on education, insurance, utilities, rent, wallet load, and fuel are excluded from the 12X reward tier. These transactions also do not contribute to the welcome benefit or annual fee waiver thresholds. Standard online retail and offline transactions outside these excluded categories qualify for rewards.
What is the easiest way to maximise reward points on this card?
Concentrate online shopping (Amazon, Flipkart, Myntra, Swiggy) on this card up to roughly ₹6,667 a month to maximise the 12X tier. Beyond ₹6,667 in monthly online spends, the 12X cap is hit and additional spends earn only 1X. Avoid using this card for excluded categories like utilities and insurance since those earn zero rewards.
How does the BookMyShow BOGO offer work?
Book your movie tickets through BookMyShow, navigate to the offers or discounts section at checkout, apply the RBL Super Binge BOGO offer, and pay with the card. The discount on the second ticket is capped at ₹200 per transaction, valid once a month on any day.
How many BOGO uses are allowed per month?
The BOGO offer is valid once per calendar month on the RBL Super Binge Credit Card. So you can use it up to 12 times a year, with each use capped at ₹200 in second-ticket discount. The cap resets at the start of each month.
Can I combine the BOGO with other BookMyShow offers?
No, the RBL Super Binge BOGO offer cannot be clubbed with other BookMyShow promotional discounts or coupon codes. Use the BOGO standalone for the highest savings on the second ticket.
Is the offer valid for premium screenings like IMAX or recliners?
The BOGO offer applies to standard movie ticket bookings on BookMyShow. Premium screening formats (IMAX, 4DX, recliner seats) are subject to BookMyShow's standard offer terms, which may exclude certain premium categories. Check the offer terms at checkout before booking.
Do I earn reward points on fuel transactions?
No, fuel spends are excluded from reward earning on this card. You only get the 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹100 per month.
Does the fuel waiver apply at all petrol pumps?
Yes, the 1% fuel surcharge waiver applies across all petrol pumps in India regardless of brand, as long as the transaction value is between ₹500 and ₹4,000. So it works at HPCL, IOCL, BPCL, Reliance, and Shell pumps.
What is the maximum fuel waiver per month?
The fuel surcharge waiver is capped at ₹100 per statement cycle. So the benefit kicks in until your monthly fuel spending hits roughly ₹10,000, after which the waiver caps out and the surcharge starts applying on subsequent transactions.
What happens if my fuel transaction is below ₹500 or above ₹4,000?
Transactions outside the ₹500 to ₹4,000 band are not eligible for the fuel surcharge waiver. So break larger fuel fills into transactions within the eligible window where possible to retain the waiver benefit.
Is airport lounge access available on this card?
No, airport lounge benefits on the RBL Super Binge Credit Card were discontinued effective 1st July 2025. Existing cardholders no longer receive complimentary domestic airport lounge visits.
Why was the lounge benefit discontinued?
RBL Bank revised the benefits structure on the Super Binge Credit Card as part of a broader card portfolio rationalisation. The lounge access discontinuation was communicated to existing cardholders ahead of the effective date through SMS and email notifications.
Are there alternative cards with lounge access in this fee bracket?
Yes, the IDFC FIRST Select Credit Card (lifetime free) offers 1 complimentary domestic airport lounge visit per quarter plus 4 railway lounge visits per quarter, on a ₹20,000 monthly spend trigger. The HDFC Millennia (₹1,000 fee) offers 8 domestic airport lounge visits per year. Both are reasonable alternatives if lounge access matters to you.
Will I be charged the same annual fee despite the lounge discontinuation?
Yes, the ₹999 annual fee continues to apply to existing RBL Super Binge cardholders, with the spend-based waiver (₹1 lakh annual spend) still in effect. If the value loss is meaningful for you, downgrade to a lifetime free card or cancel the card before renewal.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 Reward Point = ₹0.25
Redemption Options
- Gift Vouchers
- Flights & Hotels
- Merchandise/Shopping
- Mobile Recharge
- Cashback
- Donate
To check redemption catalogue
Reward Points earned on the RBL Super Binge Credit Card are redeemed through the RBL Bank rewards porta...
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Reward Points earned on the RBL Super Binge Credit Card are redeemed through the RBL Bank rewards porta...
Reward Points earned on the RBL Super Binge Credit Card are redeemed through the RBL Bank rewards portal at rblrewards.rbl.bank.in. The redemption flow is fully digital and the per-point value depends on what you redeem against.
Step 1: Log in to the RBL rewards portal using your card-linked credentials. Step 2: Navigate to the Redeem section and choose your category (gift vouchers, flights and hotels, merchandise, mobile recharge, cashback, or donations). Step 3: Select your item or amount, confirm with the OTP sent to your registered mobile, and the redemption is processed.
The most efficient redemption is gift vouchers and flights or hotels, where each reward point converts at the higher ₹0.25 value. Cashback redemption sits at the lower end of the range (around ₹0.11 per point), so use cashback only when you specifically need credit on your statement rather than retail value.
Practical example: an active cardholder accumulating 10,000 reward points over a year extracts ₹2,500 in gift voucher value (at ₹0.25 per point) or ₹1,100 in cashback value (at ₹0.11 per point). The 2.27x value differential is significant, so plan redemptions accordingly.
Reward redemption on this card is free of any handling fee, which is a quiet positive compared to many other credit cards in the same fee bracket that charge ₹99 plus GST per redemption request.
View FAQ
Commonly Asked Questions
How do I redeem my reward points?
Log in to rblrewards.rbl.bank.in using your card-linked credentials, navigate to the Redeem section, choose your category (gift vouchers, flights and hotels, merchandise, recharge, cashback, donations), select your redemption, confirm with OTP, and the redemption is processed within 3 to 7 working days.
What is the rupee value of one reward point?
One RBL reward point is worth ₹0.11 to ₹0.25 depending on the redemption category. Gift vouchers and travel bookings deliver the higher ₹0.25 value, while cashback sits at the lower ₹0.11 end. So the same 4,000 points can be worth ₹440 to ₹1,000 depending on redemption choice.
Is there a fee for reward redemption on this card?
No, there is no fee for redeeming reward points on the RBL Super Binge Credit Card. The full per-point value reaches your gift voucher, travel booking, or cashback redemption with no Bank-side handling fee.
Is there a minimum point balance for redemption?
The minimum redemption threshold varies by category. Gift voucher redemptions start at around 200 points, while flight and hotel bookings have higher thresholds based on the booking value. Check the RBL rewards portal for current minimums by category.
How long do reward points stay valid?
Reward points on RBL Bank credit cards have validity periods set by the bank's reward programme rules. Active cardholders who earn or redeem points periodically retain validity. Track your point balance and redemption status on the RBL rewards portal annually.
Can I redeem points for cashback?
Yes, cashback is one of the redemption options on this card, but at a lower per-point value (around ₹0.11 per point). For maximum value, redeem points for gift vouchers or flight and hotel bookings at the ₹0.25 per point rate instead of cashback.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an RBL Bank Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel
Insurance
Government Payments
Utility Bills
EMI Conversions
For Spends Waiver
Fuel
Insurance
Government Payments
Utility Bills
EMI Conversions
While the RBL Super Binge Credit Card earns reward points across most retail categories, several spendi...
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While the RBL Super Binge Credit Card earns reward points across most retail categories, several spendi...
While the RBL Super Binge Credit Card earns reward points across most retail categories, several spending categories are excluded from the rewards programme. Understanding this list upfront helps you plan spends and avoid the disappointment of zero or limited points on routine swipes.
The fully excluded categories on this card are: fuel spends, insurance payments, government-related transactions, utility bills (including Bills2Pay), and EMI conversions. These categories earn zero reward points (neither 12X nor 1X), and they do not contribute towards the welcome benefit or annual fee waiver thresholds.
Online spends within these excluded categories also do not qualify for the 12X reward tier. Additionally, online spends on education, rent payments, and wallet loads earn at the standard 1X rate (where applicable) but do not count towards the 12X cap calculation.
Real-world impact: if your monthly spending is ₹30,000 and ₹10,000 of it goes to fuel, utilities, insurance, and EMI conversions, you lose out on the 100 base points (₹25 in catalogue value) those spends would have otherwise earned. More importantly, those spends do not contribute to the ₹1 lakh annual fee waiver target.
Beyond category exclusions, the 12X tier is capped at 800 reward points per month, equivalent to roughly ₹6,667 in monthly online spending. Online spends beyond this cap revert to the 1X base rate. So heavy online shoppers spending ₹20,000+ monthly on online platforms see the bulk of their spends earning only the 0.25% base return rate.
View FAQ
Commonly Asked Questions
Do I earn reward points on rent payments?
Online rent payments earn 1X reward points (1 point per ₹100) on this card but do not qualify for the 12X tier. Plus, this card charges 1% rent payment convenience fee on rent transactions. So paying rent through this card delivers marginal value at best.
Are utility bills eligible for rewards?
No, utility bill payments (electricity, water, broadband, mobile postpaid) are excluded from reward earning on this card. Use UPI or auto-debit for utility bills since you save on convenience fees and do not lose any reward value through this card.
Why are insurance payments excluded?
Insurance premiums are excluded because the bank earns lower interchange revenue on insurance MCC categories. The same logic applies to government payments, utility bills, and other low-margin categories where merchant pricing does not justify reward earnings.
Do EMI conversions earn rewards?
No, EMI conversions are excluded from reward earning on this card. The original purchase may have earned points at the time of swipe, but the bank reverses the points proportionally once the EMI conversion is processed.
What happens once I hit the 800-point monthly cap?
Once you hit the 800-point cap on the 12X online reward tier, additional online spends in the same calendar month earn only the standard 1X rate (1 point per ₹100). The cap resets at the start of each new statement month.
Do excluded transactions count towards the ₹1 lakh fee waiver?
No, transactions in excluded categories (fuel, insurance, government payments, utility bills, EMI conversions) do not count towards the ₹1 lakh annual fee waiver target. Plan eligible spends across online shopping, dining, and offline retail to clear the threshold.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.5% |
APR Fees 3.99% monthly interest rate applies on the outstanding balance if the full amount due is not paid by the statement due date. The interest-free period is 20 to 55 days for new purchases. | 3.99% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card, subject to a minimum of ₹500. | 2.5% |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge A surcharge of 1.8% is applied to transactions made for booking railway tickets | 1.8% |
Rent Payment Fees A surcharge fee of 1% applies on rental transactions made using the credit card | 1% |
cheque Payment Fees Not Applicable | Not Applicable |
Cash Payment Fees A fee of ₹100 is charged for payments made by depositing cash at a bank branch or ATM. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹99 | ₹0 |
| ₹100 - ₹499 | ₹100 |
| ₹500 - ₹4999 | ₹500 |
| ₹5000 - ₹9999 | ₹750 |
| ₹10000+ | ₹1200 |
The RBL Super Binge Credit Card sits in the standard fee bracket for Indian entry-level rewards cards, ...
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The RBL Super Binge Credit Card sits in the standard fee bracket for Indian entry-level rewards cards, ...
The RBL Super Binge Credit Card sits in the standard fee bracket for Indian entry-level rewards cards, although on the higher side at ₹999 compared to peers at ₹499 to ₹500. Most fees are typical for the segment, with a few specific to RBL Bank's structure. Here is a fee-by-fee breakdown with practical rupee examples so you know exactly what to expect on your statement.
Joining Fee: The joining fee is ₹999 plus 18% GST (₹1,179 total), debited on the first statement after card issuance. The fee is partly offset by the welcome benefit of 4,000 reward points worth up to ₹1,000 (at full catalogue redemption value), so the effective first-year cost is just the GST portion of ₹180 plus any difference between cash value and redemption value.
Annual or Renewal Fee: The annual fee is ₹999 plus 18% GST (₹1,179 total), billed on each card anniversary. The fee is waived if you spend ₹1 lakh or more in the previous card year. Practical example: averaging ₹8,400 a month consistently across 12 months gets you to the ₹1 lakh threshold and triggers an automatic fee reversal in your renewal statement.
APR or Interest Rate: The APR is 3.50% per month (about 42% annualised) on rolled-over balances. Credit cards offer an interest-free period of 20 to 55 days, but missing your due date triggers interest from the original transaction date. Practical example: carrying an unpaid balance of ₹10,000 for one month accrues roughly ₹350 in interest. To avoid heavy interest, convert large purchases to EMIs (where standard rates are around 16% per annum) instead of paying just the minimum due. Failing to pay even the EMI on time can push the effective annual interest closer to 42%.
Late Payment Charges: Late payment fees follow a slab-based structure. ₹0 for outstanding up to ₹500, ₹400 for ₹501 to ₹1,000, ₹750 for ₹1,001 to ₹10,000, and ₹950 for outstanding above ₹10,000. Practical example: missing the minimum due on an outstanding of ₹3,000 attracts a ₹750 late fee. Late payment charges apply if the Minimum Amount Due (MAD) is not paid by the due date.
Foreign Transaction or Forex Markup Fee: The forex markup is 3.50% on every transaction made in a non-INR currency. This applies to both international POS swipes and online purchases billed in foreign currency. Practical example: a USD 100 hotel booking abroad (roughly ₹8,300 at current INR rates) attracts a forex markup of ₹290.50, plus 18% GST on the markup. So international swipes inflate your bill by 4% to 4.2% after taxes.
ATM Cash Withdrawal Fee: ATM cash withdrawal on the credit card attracts a fee of 2.50% of the withdrawn amount, with a minimum charge of ₹500 where applicable. On top of this, interest at 3.50% per month starts accruing from the day of withdrawal, with no interest-free grace period. Practical example: withdrawing ₹10,000 in cash on the credit card costs ₹500 in cash advance fee plus ₹350 in monthly interest, so even one month of unpaid balance costs ₹850 on a ₹10,000 withdrawal. Avoid cash withdrawals on credit cards.
Rent Payment Convenience Fee: The card charges a 1% convenience fee on rent payment transactions, plus applicable GST and platform-side charges. Practical example: paying ₹30,000 in rent through this card costs ₹300 in convenience fee plus ₹54 GST, totalling ₹354 in extra charges. Combined with the fact that rent payments earn only 1X reward points, paying rent through this card delivers marginal value at best. Use UPI or direct net banking instead.
Railway Surcharge: Railway booking and cancellation charges on this card are levied as prescribed by IRCTC or Indian Railways. The standard IRCTC convenience fee for credit card payments is around ₹30 per booking, consistent across most cards.
Cash Payment Fee: Paying your credit card bill in cash at an RBL Bank branch or ATM costs ₹100 plus GST per transaction, totalling ₹118. Practical example: paying a ₹15,000 bill in cash adds ₹118 to your cost. Use UPI, NEFT, or auto-debit instead since they are free and instant.
Cheque Payment Fee: Bill payment by cheque attracts a fee of ₹100 plus GST per transaction (₹118 total). Cheque payments also take 2 to 3 working days to clear, so if your due date is close, the late payment risk is high.
Reward Redemption Fee: No fee is charged when redeeming reward points on this card. The full per-point value (which ranges from ₹0.11 to ₹0.25 depending on category) reaches your gift voucher, travel booking, or cashback redemption with no Bank-side handling fee.
Below is a consolidated summary of all fees on the RBL Super Binge Credit Card. Amounts are exclusive of GST unless explicitly stated.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹999 (offset by 4,000 reward points) |
| Annual Fee | ₹999 (waived on ₹1 lakh annual spend) |
| APR (Monthly Interest) | 3.50% per month |
| Late Payment Fee | ₹0 to ₹950 (slab based) |
| Forex Markup | 3.50% |
| ATM Cash Withdrawal Fee | 2.50% of withdrawn amount (min ₹500) |
| Rent Payment Convenience Fee | 1% of transaction amount |
| Railway Surcharge | As prescribed by IRCTC or Indian Railways |
| Cash Payment Fee | ₹100 plus taxes |
| Cheque Payment Fee | ₹100 plus taxes |
| Reward Redemption Fee | Not Applicable |
View FAQ
Commonly Asked Questions
What is the interest rate on the RBL Super Binge Credit Card?
The monthly interest rate is 3.50%, working out to approximately 42% annualised on rolled-over balances. Pay your bill in full every month to avoid this charge.
How much is the late payment charge?
Late payment fees range from ₹0 (for outstanding up to ₹500) to ₹950 (for outstanding above ₹10,000), based on the slab of your unpaid amount. Late payment charges apply if the Minimum Amount Due is not paid by the due date.
What is the forex markup on this card?
The forex markup is 3.50% on all non-INR transactions, plus 18% GST on the markup itself. So a ₹10,000 international purchase attracts ₹350 in markup plus ₹63 in GST. This card is not ideal as a primary travel card for overseas use.
Is there a rent payment fee on this card?
Yes, rent payment transactions attract a 1% convenience fee plus GST. So a ₹30,000 rent payment costs ₹354 in fees, on top of the fact that rent earns only the standard 1X reward rate. Pay rent through UPI or auto-debit instead.
Is there a fee for ATM withdrawals?
Yes, ATM withdrawals on this credit card attract a 2.50% cash advance fee (minimum ₹500), plus 3.50% monthly interest from the day of withdrawal. Cash withdrawal on credit cards is one of the most expensive financial moves and should be avoided.
Are there charges for paying my bill in cash or cheque?
Yes, paying your bill in cash at an RBL Bank branch costs ₹100 plus GST per transaction, and cheque payments cost ₹100 plus GST. Use UPI, NEFT, RTGS, or auto-debit instead since they are free and instant.
Why is the reward point value variable?
RBL Bank uses a tiered redemption structure where reward points are worth ₹0.25 for high-value categories (gift vouchers, flight and hotel bookings) and ₹0.11 for lower categories (cashback). This means the same point can deliver different rupee values, so plan your redemption category to maximise value.
Are there any over-limit charges?
Yes, transactions that exceed your assigned credit limit attract over-limit fees. RBL Bank charges 2.5% of the over-limit amount, subject to a minimum charge of ₹500. Track your available limit on the RBL MyCard app to avoid this.
What happens if I pay only the minimum amount due?
Paying only the minimum amount due (5% of the outstanding) avoids the late payment fee, but interest at 3.50% per month starts accruing on your remaining balance from the original transaction date. So minimum payment is a short-term fix, not a long-term plan.
Can I get an EMI conversion on big-ticket purchases?
Yes, RBL Bank offers EMI conversion on transactions of ₹2,500 and above, with tenures from 3 to 24 months. EMI interest rates start at around 16% per annum, significantly cheaper than the 42% APR on rolled-over balances.
Is GST charged on credit card fees?
Yes, 18% GST is charged on all credit card fees and charges, including the joining fee, annual fee, late payment fee, forex markup, and cash advance fee. Factor this into your math when calculating the actual cost of any fee on your statement.
Documents Required
RBL Bank requires a standard set of KYC and income proof documents during the RBL Super Binge Credit Card application. Keep digital copies ready before you start the application to make the process smooth.
Required documents for salaried applicants: PAN card, Aadhaar card, latest 3 months of salary slips, latest 6 months of bank statements showing salary credits, and a passport-size photograph. Fresh hires can substitute their appointment letter for missing salary slips.
Required documents for self-employed applicants: PAN card, Aadhaar card, latest 2 years of ITR, latest 6 months of business bank statements, GST registration certificate (where applicable), and proof of business existence (like a partnership deed, Udyam certificate, or business registration document).
NRIs are not eligible for the standard RBL Super Binge Credit Card. Address proof can be the Aadhaar card itself, or alternative documents like a passport, voter ID, driving licence, or a recent utility bill (not older than 3 months).
View FAQ
Commonly Asked Questions
Is a PAN card mandatory for the RBL Super Binge Credit Card?
Yes, PAN card is mandatory for all Indian credit card applications since it is needed for KYC, credit bureau pulls, and tax reporting. Applications without PAN are not processed.
Can I apply without a salary slip?
Salaried applicants need to submit salary slips. Fresh hires without 3 months of salary slips can submit their appointment letter and recent bank statements showing salary credits as alternatives.
Do I need to submit a photograph during the application?
For online applications with Video KYC, the system captures your photograph during the KYC video call, so a separate photograph upload is not needed. Offline applications at branches require one passport-size photograph.
What address proof is accepted?
Aadhaar card is the most widely accepted address proof. Other accepted documents include passport, voter ID, driving licence, utility bills not older than 3 months, and registered rent agreements.
Can I use a digital Aadhaar for application?
Yes, RBL Bank accepts digitally signed Aadhaar (e-Aadhaar) downloads from the UIDAI portal. The bank verifies the QR code on the digital Aadhaar during KYC, so a physical copy is not needed.
How long are the bank statement requirements?
RBL Bank requires the latest 6 months of bank statements for salaried applicants, showing regular salary credits. Self-employed applicants need 6 months of business bank statements plus 2 years of ITR.
Credit Limit and What to Expect
RBL Bank sets the credit limit on the Super Binge Credit Card individually for each applicant, based on income, credit bureau profile, existing obligations, and overall banking relationship. There is no fixed published number.
For a salaried applicant earning ₹25,000 to ₹40,000 a month, the starting credit limit sits between ₹40,000 and ₹1,20,000. Higher income brackets (₹50,000 plus monthly) often see opening limits between ₹1.5 lakh and ₹3 lakh. Self-employed applicants with strong ITR-backed income and good CIBIL scores fall into similar ranges.
RBL Bank reviews card usage every 6 to 12 months and offers limit enhancements if the card has been used consistently with timely payments. Limit enhancement is also offered on request with supporting income proof (a recent salary hike or revised ITR).
View FAQ
Commonly Asked Questions
What is the starting credit limit on this card?
For a salaried applicant earning ₹25,000 to ₹40,000 a month, the typical opening credit limit ranges from ₹40,000 to ₹1.2 lakh. Limits scale upwards based on declared income, CIBIL score, and existing relationship with RBL Bank.
How can I increase my credit limit?
You can request a limit enhancement after 6 to 12 months of consistent card usage and timely payments. Submit your latest 3 months of salary slips or revised ITR through the RBL MyCard app or net banking.
Will using the full credit limit hurt my credit score?
Using more than 30% of your credit limit consistently can lower your CIBIL score, even if you pay the bill in full. So if your limit is ₹1 lakh, try to keep your monthly statement balance under ₹30,000 to maintain a healthy credit utilisation ratio.
Can I get a temporary credit limit increase?
Yes, RBL Bank offers temporary credit limit increases for short-term, large-ticket spends (like booking electronics or planning a vacation). Request this through customer care or the RBL MyCard app, valid for 30 to 90 days.
What is the cash withdrawal limit on this card?
The cash withdrawal limit is set at 20% to 40% of your total credit limit. So a ₹1 lakh limit allows cash withdrawals between ₹20,000 and ₹40,000, although ATM withdrawals carry a 2.50% fee plus 3.50% monthly interest, making them an expensive option.
How often does RBL Bank review credit limits?
RBL Bank conducts a portfolio review every 6 to 12 months and offers automatic limit enhancements to qualifying cardholders. Manual reviews can also be requested with updated income proof at any time after 6 months of card activity.
How to Apply?
Applying for the RBL Super Binge Credit Card has historically been a digital process taking 24 to 72 hours from submission to decision. However, an important note for new applicants: RBL Bank and Bajaj Finance have stopped issuing new co-branded credit cards under their partnership. So fresh applications may not currently be accepted, depending on RBL Bank's portfolio decisions at the time of your application.
Existing cardholders continue to enjoy the card's benefits. New applicants should verify card availability with RBL Bank directly through the official website (rblbank.com), customer care, or branch visit before initiating an application.
If applications are open, the standard online route works through the RBL Bank website. Visit the credit card section, select the Super Binge Credit Card, and click Apply Now. Fill in your personal details (name, mobile, PAN, date of birth, employment type, monthly income, current city), upload soft copies of your KYC documents, and complete a Video KYC if you are not already an RBL Bank customer.
The offline route involves visiting an RBL Bank branch with physical document copies. This is sometimes preferred for applicants who want a relationship manager to walk through the application.
Once submitted, RBL Bank runs a credit bureau pull, verifies your KYC, and either issues a digital approval or asks for additional documents. After approval, the physical card is shipped to your registered address along with the welcome kit and a separate PIN mailer.
View FAQ
Commonly Asked Questions
How do I apply for the RBL Super Binge Credit Card online?
Visit the RBL Bank website, navigate to Credit Cards, select Super Binge, click Apply Now, fill the form, upload your KYC documents, and complete Video KYC. Note that new applications may face availability constraints since RBL Bank and Bajaj Finance have paused new co-branded card issuance.
How long does it take to get the card after applying?
Approval is granted within 24 to 72 hours of a complete application, when applications are open. The physical card is delivered within 7 to 10 working days of approval, with the PIN arriving separately.
Is the RBL Super Binge Credit Card still being issued to new customers?
RBL Bank and Bajaj Finance have stopped issuing new co-branded credit cards under their partnership. Existing cardholders continue to use the card with all benefits, but new applicants should verify availability directly with RBL Bank before applying.
Can I track my application status online?
Yes, RBL Bank provides an online application tracker on its credit card website. Enter your application reference number along with your registered mobile and date of birth to view real-time status updates.
What happens if my application is rejected?
If your application is declined, RBL Bank notifies you by SMS or email. Common reasons include CIBIL score below 720, recent missed payments on existing loans, or insufficient income proof. You can reapply after 90 days once the underlying issue is resolved.
Will applying for this card affect my credit score?
The bank does a hard pull on your credit bureau report during application, which can dip your CIBIL score by 5 to 10 points temporarily. Once the card is active and you make timely payments for 3 to 6 months, your score recovers and benefits from the additional credit line.
That’s the full story of this credit card
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Top Benefits
Apply and get ₹700 Rewards
Top Benefits
Get 4,000 Bonus Reward Points on Joining
on payment of annual fee and spends of INR 2,000 within 30 days of card issuance
Get 1+1 Free on BookMyShow Movie Tickets
up to ₹200 off, once a month on any day
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