You will get 12X reward points for every INR 100 spent online up to 800 reward points monthly except for Education, Insurance, Utilities, Rent payments.
Offline
You will get 1 reward point for every INR 100 spent on any purchase which can be used on RBL environment only.
Other Rewards
1. You can earn 10,000 reward points by spending INR 2,00,000 per year, except for spending on rent.
2. You can redeem your reward points for the down payment on the EMI Network.
3. You can withdraw your available cash limit without paying any interest from any ATM in India for a maximum of 50 days. A 2.5% processing fee will apply, with a minimum of INR 500.
Domestic Lounges
You will get accesses for 2 complimentary airport lounge per year. As of July 1, 2024, if you spend INR 15000 or more in the previous calendar quarter you will get the lounge access for the next quarter, except for rental spends.
International Lounges
Not Applicable
Fuel Surcharge Waiver
INR 100 per month will be waived off on purchase of fuel of INR 500- INR 4000 per transaction at any station in India.
Insurance Benefits
0% liability coverage for misplaced cards and protection from fraud liability.
Reward Rate
You will get 12X reward points for every INR 100 up to 800 reward points monthly on spending online. You will get 1 reward point for every INR 100 on any purchase.
Movie And Dining
You get a Buy 1 Get 1 offer on movie tickets on booking through BookMyShow up to INR 200 per month on any day.
Redemption Process
You can redeem your reward points for the down payment at a value of 20 paise for every 1 point.
Exclusions –
Rewards are not applicable for the purchase of Education, Insurance, Utilities, Rent Payments, Wallet Loads and petrol, which are determined by the Merchant Category Codes.
Fee
Joining Fee
Free for the first year
Renewal Fee
INR 999 + GST
Fee Waiving
Spending INR 1,00,000 or more in the previous year.
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Forex Markup
3.5%
Cash Advance Charges
Higher of INR 500 or 2.5% of the cash amount
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Interest Rates
3.99%
Cash Withdrawal Fee
Higher of 2.5% or INR 500+GST
Over Limit Penalty
INR 600
Min. Repayment Amount
Aggregate of total GST, current month's EMI debits, full fees/charges. and the greater amount of either 5% of the total including retail spends, cash advances, and interest or INR 200 along with any outstanding MAD from earlier
Late Payment Fee
12.5% of the outstanding amount, at the range of minimum INR 5 and maximum INR 1300
Reward Points Cap
800 reward points per month for 12X reward points earned online
Pros
1. You can withdraw cash without paying any interest fee for up to 50 days.
2. You get 12X reward points for every INR 100 up to 800 reward points monthly when spent on online purchase.
3. You get 1 reward point for every INR 100 when spent offline.
4. You get 2 complimentary access to domestic lounge per year.
5. You get waiver of up to INR 100 every month on fuel surcharge.
6. Annual fee is waived off when you spend INR 1,00,000 or more in the previous year.
7. You get a Buy 1 Get 1 offer on movie tickets on booking via BookMyShow up to INR 200 per month on any day.
8. You earn Annual Milestone Reward of 10,000 reward points on spending INR 2,00,000, except for rental spends.
9. No need to pay any charges on lost card liability coverage and fraud protection.
10. Transactions and payments are made quick and easy with Tap and Pay facility.
11. Easy conversion of EMI, options for transferring balance and xpress cash.
12. Users can get a document free instant loan within their credit period with the Xpress Cash feature.
Cons
1. No reward points on Education, Insurance, Wallet Loads, Utilities, Rent Payments and Petrol.
2. Domestic lounge benefit is limited to 2 accesses only with a condition starting from July 1, 2024.
3. Finance charges for cash advances and revolving credit are high.
4. Cashback rate is comparatively low.
5. No benefit of International lounge access.
Welcome Benefits
You will get 4000 reward points on paying joining fee and spending INR 2000 within 30 days of issuing card, except for the First Year Free cardholders
How to Apply
Visit the RBL Bank website or Bajaj Finserv website.
Click on the “Apply for Credit Card” button.
Select the RBL Bank + Bajaj Finserv Binge SuperCard.
Enter your personal and financial information.
Submit a copy of your PAN card and income proof.
Receive an email or SMS with the status of your application.
Mandatory Documents-
PAN Card
Income Proof
Eligibility
Nationality: Indian
Age: 21-70 years
Employment and Credit Score: At the bank’s discretion
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