Axis Bank Vistara Infinite Credit Card vs RBL Bank Binge Visa Credit Card: Which is Better in 2026?
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In short: RBL Binge has the lower annual fee (₹999 vs ₹10,000); Axis Vistara Infinite includes 2 airport lounge visits, RBL Binge 2 airport lounge visits a year; both charge a 3.5% forex markup.
| Key facts | Axis Vistara Infinite | RBL Binge |
|---|---|---|
| Annual fee | ₹10,000 | ₹999 |
| Joining fee | ₹10,000 | Not listed |
| Annual fee waived | Not listed | On ₹1 lakh annual spend |
| Top reward rate | 6 Maharaja Points For Every ₹200 | 12 Reward Points per ₹100 on Online Spends |
| Base rewards | 6 Maharaja Points For Every ₹200 | 1 Reward Points per ₹100 |
| Lounge access | 2 airport lounge visits | 2 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 24 Oct 2026. Milestones, welcome benefits and caps are in the full table below.
Rbl Bank Binge Visa Credit Card lists a lower headline annual fee in our data (around ₹9,001 apart), before waivers. Rbl Bank Binge Visa Credit Card shows a stronger headline earn rate in the first reward band we surface. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Axis Bank Vistara Infinite Credit Card | Rbl Bank Binge Visa Credit Card |
|---|---|---|
| Bank | Axis Bank | RBL Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee of Rs.10000 | — |
| Annual / renewal fee | Second Year Onwards Annual Fee of Rs.10000 | Annual Fee of Rs.999 |
| Annual fee waiver | — | Spend Rs.1 Lakh For Waiver of Annual Membership Fee |
| Top reward rate | Earn 6 Maharaja Points For Every Rs.200 | Earn 12 Reward Points per Rs.100 on Online Spends |
| Base rate (other spends) | — | Earn 1 Reward Points per Rs.100 |
| Lounge — domestic | 2 Complimentary Airport Lounge Access | 2 Complimentary Airport Lounge Access Per Year |
| Fuel surcharge waiver | — | Fuel surcharge waiver of Rs.100 |
| Welcome benefit | Welcome Benefit - Complimentary Business Class Ticket Voucher | Get 4000 Reward Points as Welcome Benefit |
| Milestone benefit | Get 1st Business Class Ticket Voucher on Spend of Rs.2.5 Lakhs; Get 2nd Business Class Ticket Voucher on Spend of Rs.5 Lakhs | — |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
Rbl Bank Binge Visa Credit Card shows a higher headline earn signal in the reward summaries we index (Earn 12 Reward Points per Rs.100 on Online Spends vs Earn 6 Maharaja Points For Every Rs.200). If you optimise for points or cashback on daily spend, start with that card’s reward bands — then model redemptions you actually use.
Which is better for travel?
Rbl Bank Binge Visa Credit Card has richer lounge-related fields in our current benefits extract (domestic: 2 Complimentary Airport Lounge Access Per Year; international: —). Frequent flyers should still confirm guest access, visit limits and participating airports with the issuer.
Which has lower effective cost?
Rbl Bank Binge Visa Credit Card appears cheaper on headline renewal fee in our data before waivers. If you are fee-sensitive, also read the waiver rules in the table — a higher sticker fee can still be net-negative cost if you naturally clear spend thresholds.
Who should pick Axis Bank Vistara Infinite Credit Card?
Consider Axis Bank Vistara Infinite Credit Card if you already bank with Axis Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Who should pick Rbl Bank Binge Visa Credit Card?
Consider Rbl Bank Binge Visa Credit Card if you already bank with RBL Bank, and the fee, waiver and earn rows above line up with how you spend each month. Use CardChat on that card for deeper, personalised follow-ups.
Frequently Asked Questions
From the lounge fields in our benefit data: Rbl Bank Binge Visa Credit Card — domestic: 2 Complimentary Airport Lounge Access Per Year; international: —. Axis Bank Vistara Infinite Credit Card — domestic: 2 Complimentary Airport Lounge Access; international: —. Guest rules, networks and visit caps change — confirm on the Axis Bank and RBL Bank websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹999 vs ₹10,000 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the Axis Bank and RBL Bank websites for the final number.
On the first reward band we surface, Rbl Bank Binge Visa Credit Card shows a stronger headline earn (Earn 12 Reward Points per Rs.100 on Online Spends vs Earn 6 Maharaja Points For Every Rs.200). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Axis Bank Vistara Infinite Credit Card: Waiver wording not in our benefit extract — check Axis Bank. Rbl Bank Binge Visa Credit Card: Spend Rs.1 Lakh For Waiver of Annual Membership Fee Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Axis Bank Vistara Infinite Credit Card: 3.5% - Foreign Currency Transactions Rbl Bank Binge Visa Credit Card: 3.5% - Foreign Currency Transactions Lower published foreign-currency markup is usually better for overseas and foreign-currency online spend; confirm the live rate and exclusions on the Axis Bank and RBL Bank websites.
Axis Bank Vistara Infinite Credit Card: Welcome Benefit - Complimentary Business Class Ticket Voucher Rbl Bank Binge Visa Credit Card: Get 4000 Reward Points as Welcome Benefit Welcome campaigns are time-bound — verify eligibility and fulfilment on the Axis Bank and RBL Bank websites.