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Bajaj Finserv RBL Bank Binge SuperCard VS BookMyShow RBL Bank Play Credit Card VS IndianOil RBL Bank Credit Card VS IndianOil RBL Bank XTRA Credit Card

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Fees & Charges

Joining Fee₹999 + GST
Joining Fee₹500 + GST
Joining Fee₹500 + GST
Joining Fee₹1,500 + GST
Renewal Fee₹999 + GST
Renewal Fee₹500 + GST
Renewal Fee₹500 + GST
Renewal Fee₹1,500 + GST
Spend Based WaiverAnnual fee waived if you spend INR 1,00,000 or more in the preceding year.
Spend Based WaiverAnnual fee waived on spending Rs. 1.5 lakhs or more in the previous year.
Spend Based WaiverAnnual fee waived on spends of ₹1.75 Lakh in a year.
Spend Based WaiverAnnual fee waived on spends of ₹2.75 Lakh annually.
Foreign Transaction FeesNot specified.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%
Interest Rate (APR)High interest rates are generally applicable to credit card balances.
Interest Rate (APR)3.99% per month.
Interest Rate (APR)2.5% to 3.99% per month
Interest Rate (APR)2.5% to 3.99% Per Month

Rewards & Benefits

Welcome BonusReceive 4,000 Reward Points upon payment of annual fee and INR 2,000 spends within 30 days.
Welcome BonusA discount of Rs. 500 on all movie, event, streams, or other non-movie ticket bookings via BookMyShow, on making at least one transaction within 30 days.
Welcome Bonus1,000 Fuel Points upon joining.
Welcome BonusGet 3,000 Fuel Points (worth ₹1,500) on joining fee payment & ₹500 spend in 30 days.
Rewards RateEarn 12 RP/INR 100 on online spends (capped at 800 RP/month) & 1 RP/INR 100 on other spends.
Rewards RateEarn 2 complimentary movie/non-movie tickets (up to Rs. 250 each) monthly on Rs. 5,000 spend.
Rewards RateEarn 10 Fuel Points/₹100 on IndianOil fuel, 1 Fuel Point/₹100 on other spends.
Rewards Rate7.5% on fuel purchases at IndianOil outlets; 2 Fuel Points for every ₹100 on other spends.
Reward TypeReward Points
Reward TypeOther Benefits
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee
A fee of INR 99 + GST is applicable for each redemption of available reward points.
Reward Redemption FeeRs. 99 + taxes.
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST

Travel & Lifestyle

Domestic Lounge Access2 complimentary domestic airport lounge accesses per year (1 per quarter) on INR 15,000 spend.
Domestic Lounge Access
Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
International Lounge Access
Travel BenefitsEnjoy 2 complimentary domestic airport lounge accesses per year (1 per quarter) on INR 15,000 spend.
Travel Benefits
Travel Benefits
Travel Benefits
Movie BenefitsGet a 1+1 BookMyShow offer on movie tickets (up to INR 200) once a month.
Movie BenefitsGet 2 complimentary movie/non-movie tickets (worth up to Rs. 250 each) every month on spending Rs. 5,000 in a month via BookMyShow.
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsGet a discount of Rs. 100 on all food and beverage items on booking movie/event tickets via BookMyShow.
Dining Benefits
Dining Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge WaiverWaiver up to INR 100 per month on transactions between INR 500 and INR 4,000.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, capped at Rs. 100 per month.
Fuel Surcharge Waiver1% waiver
Fuel Surcharge Waiver1% Fuel Surcharge Waiver up to ₹200 each month.

Security & Other

Insurance Benefits
Insurance Benefits
Insurance Benefits
Insurance Benefits
Cash Advance ChargesProcessing fee of 2.5% (minimum INR 500) for Easy Cash withdrawals from ATMs.
Cash Advance Charges2.5% of the cash amount, subject to a minimum of Rs. 500.
Cash Advance Charges2.5% or a minimum of ₹500
Cash Advance Charges2.5% of the Cash Amount or a Minimum of ₹500
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Bajaj Finserv RBL Bank Binge SuperCard

BookMyShow RBL Bank Play Credit Card

IndianOil RBL Bank Credit Card

IndianOil RBL Bank XTRA Credit Card

Who is it for?

Who is it for?

Who is it for?

Who is it for?

Pros

Key benefits and features.

Enjoy significant savings on online purchases with accelerated reward points.

Get monthly entertainment benefits with a 1+1 BookMyShow movie ticket offer.

Receive a generous welcome bonus of 4,000 Reward Points upon card issuance.

Benefit from complimentary domestic airport lounge access twice annually.

Annual fee can be easily waived by meeting a reasonable spend threshold.

Pros

Key benefits and features.

Significant savings on movie and event bookings through BookMyShow platform.

Enjoy two complimentary movie or non-movie tickets every single month.

Affordable annual fee that is easily waived with moderate yearly spending.

Additional discounts on food and beverages when booking entertainment.

Pros

Key benefits and features.

Offers an excellent 5% reward rate on fuel purchases at IndianOil outlets.

Provides significant annual savings of up to ₹6,000 on fuel expenditure.

Affordable joining and annual fee, making it accessible for new users.

Includes a beneficial 1% fuel surcharge waiver on fuel transactions.

Available on the RuPay network, enabling convenient UPI payments.

Pros

Key benefits and features.

Offers a high return of 7.5% on fuel purchases, a competitive rate among fuel cards.

Combined with the fuel surcharge waiver, total savings reach 8.5% on fuel.

Welcome benefits provide 3,000 Fuel Points, equivalent to ₹1,500 value.

Milestone rewards offer additional Fuel Points on achieving quarterly spend targets.

Cons

Key drawbacks and limitations.

Lounge access benefits for the Binge SuperCard will be discontinued from July 2025.

Reward points are not earned on a wide range of essential spending categories.

A redemption fee of INR 99 + GST is charged for redeeming reward points.

High interest rates are generally applicable on outstanding credit card balances.

Significant processing fees apply for cash advance withdrawals from ATMs.

Cons

Key drawbacks and limitations.

High foreign currency markup of 3.5% makes international spends expensive.

Monthly free tickets require a minimum spend of Rs. 5,000, which might be high for some.

This BookMyShow RBL Bank Play Credit Card is an invite-only product.

Rewards redemption fee of Rs. 99 + taxes applies to each redemption.

Cons

Key drawbacks and limitations.

Low reward rate for spending categories other than fuel purchases.

Lacks premium benefits like lounge access, dining, or travel perks.

A rewards redemption fee of ₹99 + GST applies to point redemptions.

Monthly cap of 1,000 Fuel Points limits maximum potential fuel savings.

Cons

Key drawbacks and limitations.

Lacks diverse benefits like lounge access or dining discounts, unlike other cards.

Comes with a joining fee of ₹1,500 + GST, which might deter some users.

Users have reported issues with redeeming Fuel Points at some IndianOil outlets.

Excludes many common spend categories like utilities and rentals from rewards.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Bajaj Finserv RBL Bank Binge SuperCard(opens in new tab)Apply for IndianOil RBL Bank XTRA Credit Card(opens in new tab)