RBL Bank Binge Visa Credit Card vs SBI Card Prime Visa Signature Credit Card: Which is Better in 2026?
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In short: RBL Binge has the lower annual fee (₹999 vs ₹2,999); RBL Binge includes 2 airport lounge visits a year, SBI Prime 8 airport lounge visits a year; both charge a 3.5% forex markup.
| Key facts | RBL Binge | SBI Prime |
|---|---|---|
| Annual fee | ₹999 | ₹2,999 |
| Annual fee waived | On ₹1 lakh annual spend | On ₹3 lakh annual spend |
| Top reward rate | 12 Reward Points per ₹100 on Online Spends | 10 Reward Points on Dining |
| Base rewards | 1 Reward Points per ₹100 | 2 Reward Points per ₹100 |
| Lounge access | 2 airport lounge visits a year | 8 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.
What you'd earn in a year
On ₹20,000 a month with ₹5,000 at each card's top rate, both return about ₹2,250 a year; RBL Binge comes out about ₹1,850 ahead because of its lower annual fee.
| Spend profile | RBL Binge | SBI Prime |
|---|---|---|
| Reward value: top rate / base rate | 3% / 0.25% | 2.5% / 0.5% |
| ₹20,000 a month, all general spends | ₹600 | ₹1,200 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹2,250 | ₹2,400 |
| Annual fee | ₹999 | ₹2,999 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
Rbl Bank Binge Visa Credit Card lists a lower headline annual fee in our data (around ₹2,000 apart), before waivers. Sbi Card Prime Visa Signature Credit Card edges ahead on lounge-related benefits in the comparison table below. Always confirm current fees and offers on the issuer’s site before you apply.
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| Feature | Rbl Bank Binge Visa Credit Card | Sbi Card Prime Visa Signature Credit Card |
|---|---|---|
| Bank | RBL Bank | SBI Cards |
| Network | Visa | Visa |
| Annual / renewal fee | Annual Fee of Rs.999 | Annual Fee of Rs.2999 |
| Annual fee waiver | Spend Rs.1 Lakh For Waiver of Annual Membership Fee | Spend Rs.3 Lakhs For Waiver of Renewal Fee |
| Top reward rate | Earn 12 Reward Points per Rs.100 on Online Spends | Earn 10 Reward Points on Dining |
| Base rate (other spends) | Earn 1 Reward Points per Rs.100 | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | 2 Complimentary Airport Lounge Access Per Year | 8 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | — | Enjoy 4 Complimentary International Lounge Visits |
| Fuel surcharge waiver | Fuel surcharge waiver of Rs.100 | 1% Fuel Surcharge Waiver |
| Welcome benefit | Get 4000 Reward Points as Welcome Benefit | Welcome E-Gift Voucher Rs.3000 |
| Milestone benefit | — | E-Gift Vouchers Worth Rs.7000 on Spend of Rs.5 Lakhs; Enjoy Pizza Hut E-Voucher worth Rs.1000 in Calendar Quarter. |
| Foreign currency markup | 3.5% - Foreign Currency Transactions | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
In the headline reward rows we show, Rbl Bank Binge Visa Credit Card lists: Earn 12 Reward Points per Rs.100 on Online Spends Sbi Card Prime Visa Signature Credit Card lists: Earn 10 Reward Points on Dining They use different points or co-brand currencies and bonus categories, so the better fit depends on where you spend and which airline or programme you actually redeem with—not a single abstract “earn %”. Use the table for caps and accelerated categories; if the quoted base rates look similar, prioritise redemption value and partner alignment.
Which is better for travel?
Sbi Card Prime Visa Signature Credit Card has richer lounge-related fields in our current benefits extract (domestic: 8 Complimentary Airport Lounge Access Per Calendar Year; international: Enjoy 4 Complimentary International Lounge Visits). 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 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.
Who should pick Sbi Card Prime Visa Signature Credit Card?
Consider Sbi Card Prime Visa Signature Credit Card if you already bank with SBI Cards, 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: Sbi Card Prime Visa Signature Credit Card — domestic: 8 Complimentary Airport Lounge Access Per Calendar Year; international: Enjoy 4 Complimentary International Lounge Visits. Rbl Bank Binge Visa Credit Card — domestic: 2 Complimentary Airport Lounge Access Per Year; international: —. Guest rules, networks and visit caps change — confirm on the RBL Bank and SBI Cards websites before you travel.
From the renewal-fee lines we index, the headline amounts are about ₹999 vs ₹2,999 per year before taxes and waivers. Campaigns and customer-specific pricing differ — use the comparison table and the RBL Bank and SBI Cards 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 10 Reward Points on Dining). Category bonuses, caps and redemption value decide real-world returns — map this to where you actually spend.
Rbl Bank Binge Visa Credit Card: Spend Rs.1 Lakh For Waiver of Annual Membership Fee Sbi Card Prime Visa Signature Credit Card: Spend Rs.3 Lakhs For Waiver of Renewal Fee Spend thresholds and anniversary rules change; confirm the latest T&Cs.
Rbl Bank Binge Visa Credit Card: 3.5% - Foreign Currency Transactions Sbi Card Prime Visa Signature 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 RBL Bank and SBI Cards websites.
Rbl Bank Binge Visa Credit Card: Get 4000 Reward Points as Welcome Benefit Sbi Card Prime Visa Signature Credit Card: Welcome E-Gift Voucher Rs.3000 Welcome campaigns are time-bound — verify eligibility and fulfilment on the RBL Bank and SBI Cards websites.