Indiaonoil Rbl Bank Credit Card vs Rbl Bank Binge Visa Credit Card: Which is Better in 2026?
vs
The Indiaonoil Rbl Bank Credit Card offers minimal benefits, while the Rbl Bank Binge Visa Credit Card provides a more robust rewards structure and additional features. This comparison highlights the key differences between the two cards, focusing on rewards, travel perks, and overall fees.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | Indiaonoil Rbl Bank Credit Card | Rbl Bank Binge Visa Credit Card |
|---|---|---|
| Bank | RBL Bank | RBL Bank |
| Network | MasterCard | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.999 |
| Annual fee waiver | — | Spend Rs.1 Lakh For Waiver of Annual Membership Fee |
| Reward rate (headline) | — | Earn 1 Reward Points per Rs.100 |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Get 4000 Reward Points as Welcome Benefit |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Rbl Bank Binge Visa Credit Card is clearly superior for rewards, offering 1 Reward Point per Rs.100 spent, with an enhanced rate of 12 Reward Points per Rs.100 on online purchases. In contrast, the Indiaonoil Rbl Bank Credit Card does not provide any rewards or cashback options, making it less appealing for those looking to earn benefits from their spending.
Which is better for travel?
For travel benefits, the Rbl Bank Binge Visa Credit Card includes 2 complimentary domestic airport lounge accesses per year, which can enhance the travel experience for cardholders. The Indiaonoil Rbl Bank Credit Card lacks any lounge access or travel-related perks, making the Binge card a better option for frequent travelers.
Which has lower effective cost?
While the Rbl Bank Binge Visa Credit Card has an annual fee of Rs.999, it can be waived by spending Rs.1 lakh in a year. This fee structure may be worthwhile for those who can meet the spending requirement to avoid the annual charge. The Indiaonoil Rbl Bank Credit Card does not have an annual fee, but it also lacks any significant benefits, which may not justify its use.
Who should pick Indiaonoil Rbl Bank Credit Card?
Consider the Indiaonoil Rbl Bank Credit Card if you prefer a no-annual-fee option and do not mind the absence of rewards or additional benefits. This card may suit those who want a basic credit card for occasional use without the pressure of meeting spending thresholds to avoid fees.
Who should pick Rbl Bank Binge Visa Credit Card?
Consider the Rbl Bank Binge Visa Credit Card if you are looking for a card that offers rewards on spending, especially for online transactions. With its travel perks and the potential for fee waivers, this card is ideal for those who spend regularly and want to maximize their benefits.
Frequently Asked Questions
No, the Indiaonoil Rbl Bank Credit Card does not offer any rewards or cashback benefits.
The annual fee for the Rbl Bank Binge Visa Credit Card is Rs.999, which can be waived by spending Rs.1 lakh in a year.
Yes, the Rbl Bank Binge Visa Credit Card offers 2 complimentary domestic airport lounge accesses per year, while the Indiaonoil Rbl Bank Credit Card does not provide any lounge access.
The forex markup for the Rbl Bank Binge Visa Credit Card is 3.5% on foreign currency transactions.