Bajaj Finserv RBL Bank Binge SuperCard – Benefits, Fees & Eligibility

Introduction

The Binge Credit Card, issued by RBL Bank, is a mid-range credit card designed for individuals seeking high savings on various spending categories, particularly online purchases and entertainment. It positions itself as a versatile card offering the power of four cards in one, complementing diverse spending habits. Key differentiating benefits include a substantial welcome bonus of 4,000 Reward Points, monthly free movie tickets, and complimentary airport lounge access, alongside accelerated rewards on online spends.

Welcome Benefits

• Receive 4,000 Reward Points upon payment of the annual fee and making spends of INR 2,000 within 30 days of card issuance.
• Welcome rewards will not be provided for First Year Free cards.
• The estimated value of the welcome gift is INR 1,000 (assuming 1 Reward Point = INR 0.25).

Fees

• Joining Fee: INR 999 + Goods and Service Tax (GST).
• Renewal Fee: INR 999 + Goods and Service Tax (GST).
• Spend-Based Waiver: The annual fee for the subsequent year will be waived if you spend INR 1,00,000 or more in the preceding year.
• Rewards Redemption Fee: A fee of INR 99 + GST is applicable for each redemption of available reward points. This fee is levied once for all redemptions made in a single day.
• Foreign Currency Markup: Not specified.
• Interest Rates: High interest rates are generally applicable to credit card balances.
• Fuel Surcharge: A fuel surcharge waiver of up to INR 100 per month is provided. This waiver is applicable on fuel transactions between INR 500 and INR 4,000.
• Cash Advance Charges: A processing fee of 2.5% (minimum INR 500) is applicable for Easy Cash withdrawals from ATMs.

Rewards

• General Spends: Earn 1 Reward Point for every INR 100 spent on most categories.
• Online Spends: Earn 12 Reward Points for every INR 100 spent on online purchases, with a maximum cap of 800 Reward Points per month.
• Movie Benefits: Get a 1+1 BookMyShow offer on movie tickets (up to INR 200) once a month, valid on any day. To avail, apply the offer under the offers/discounts section on the BookMyShow checkout page.
• Lounge Access: Enjoy 2 complimentary domestic airport lounge accesses per year (1 per quarter). This benefit is unlocked by making spends of INR 15,000 or more in the preceding calendar quarter (excluding rental spends).
  • Note: Effective July 01, 2025, lounge benefits for this card will be discontinued.
• Fuel Surcharge Waiver: A fuel surcharge waiver of up to INR 100 per month is provided for transactions between INR 500 and INR 4,000.
• Annual Rewards Value: The total estimated annual benefits are valued at INR 10,299+, including welcome gift, spend-based waiver, online spends, lounge access, normal spends, BookMyShow offer, and fuel waiver.
• Reward Point Exclusions:
  • Transactions made on Education, Insurance, Utilities, Rent Payments, and Wallet Load categories will not earn reward points.
  • Effective from October 15, 2024, transactions made on Fuel & Auto, Quasi-Cash, Railways, Real Estate, Service Providers, Government Services, Contracted Services, Bills2pay, EMI, Miscellaneous & Cash categories are also not eligible for reward points.

Rewards Redemption Guide

• Reward points can be redeemed at rblrewards.rbl.bank.in.
• The value of 1 Reward Point varies from INR 0.11 to INR 0.25 across different redemption categories. For benefit calculation purposes, a value of INR 0.25 per Reward Point is assumed.
• A reward redemption fee of INR 99 + GST is applicable per day for redemptions.

Important Product Details

• Welcome Bonus: Receive 4,000 Reward Points as a welcome benefit.
• Movie Perks: Enjoy a 1+1 BookMyShow offer on movie tickets once a month.
• Accelerated Online Rewards: Earn 12 Reward Points for every INR 100 spent on online transactions (capped at 800 RP/month).
• General Spends Rewards: Earn 1 Reward Point for every INR 100 on other spends.
• Fuel Savings: Benefit from a fuel surcharge waiver of up to INR 100 per month.
• Annual Fee Waiver: The annual fee can be waived by spending INR 1,00,000 in a year.
• Cash Access: Offers an "Easy Cash" facility for unlimited ATM withdrawals up to your available cash limit until the billing date.
• Lounge Access: Provides 2 complimentary domestic airport lounge accesses per year, subject to quarterly spend criteria.
• Lounge Benefit Discontinuation: Note that lounge benefits will be discontinued effective July 01, 2025.
• Reward Exclusions: A wide range of categories, including Education, Insurance, Utilities, Rent Payments, Fuel, Government Services, and more, are excluded from earning reward points.
• Cash Advance Fee: A processing fee of 2.5% (minimum INR 500) applies to cash advances.
• Redemption Fee: A fee of INR 99 + GST is charged for reward point redemptions.

Other Details

• The Binge Credit Card is marketed as a versatile card that offers high savings on various spends like grocery, electronics, fashion, and automobile.
• The "Easy Cash" feature allows unlimited withdrawal of your available cash limit from all ATMs in India up to your billing date, subject to a processing fee.
• All benefits and features are subject to Terms and Conditions.
• Detailed terms and conditions, cardmember agreements, and schedule of charges are available through linked documents.
• Categories and Merchant Category Codes (MCCs) for exclusions are defined as per VISA & Mastercard guidelines.
• General mention of "High interest rates" for credit cards.