Indiaonoil Rbl Bank Xtra Credit Card vs Rbl Bank Binge Visa Credit Card: Which is Better in 2026?
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The Indiaonoil Rbl Bank Xtra Credit Card offers minimal benefits, while the Rbl Bank Binge Visa Credit Card provides a range of rewards and features. This comparison highlights the key differences to help you decide which card may suit your needs better.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Indiaonoil Rbl Bank Xtra 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 and 12 Reward Points per Rs.100 on online transactions. In contrast, the Indiaonoil Rbl Bank Xtra Credit Card lacks any rewards program, making it less appealing for those looking to earn points on 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, enhancing the travel experience. The Indiaonoil Rbl Bank Xtra Credit Card does not offer any lounge access or travel-related benefits, making it less suitable for frequent travelers.
Which has lower effective cost?
The Rbl Bank Binge Visa Credit Card has an annual fee of Rs.999, which can be waived by spending Rs.1 lakh in a year. The Indiaonoil Rbl Bank Xtra Credit Card does not list any fees, but it also offers no benefits, which may not justify the absence of costs. Overall, the Binge card provides more value despite its fee.
Who should pick Indiaonoil Rbl Bank Xtra Credit Card?
Consider Indiaonoil Rbl Bank Xtra Credit Card if you prefer a no-fee card without the need for rewards or travel benefits. This card may be suitable for those who want a straightforward credit option without additional complexities.
Who should pick Rbl Bank Binge Visa Credit Card?
Consider Rbl Bank Binge Visa Credit Card if you are looking for a card that offers rewards on your spending and travel benefits like lounge access. This card is ideal for users who frequently shop online and travel domestically.
Frequently Asked Questions
No, the Indiaonoil Rbl Bank Xtra Credit Card does not offer any rewards or benefits.
The Rbl Bank Binge Visa Credit Card has an annual fee of Rs.999.
The annual fee for the Rbl Bank Binge Visa Credit Card 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.