Fees and charges of personal loan
Bajaj Finserv offers attractive interest rates on personal loans up to Rs. 40 lakh to help you meet a range of financial requirements. Get collateral-free loans with minimum documentation, flexible tenor and disbursal within 24 hours* of approval.
With Bajaj Finserv Personal Loan, you do not have to worry about any hidden fees or charges.
Here are more details on the personal loan interest rates and charges:
Types of fee |
Applicable charges |
Rate of interest |
11% to 35% p.a. |
Processing fees |
Up to 3.93% of the loan amount (inclusive of applicable taxes). |
Flexi Fee | Term Loan - Not applicable Flexi variant - A fee will be deducted upfront from the loan amount (as applicable below) •Up to Rs. 1,999/- for loan amount less than Rs. 2,00,000 *All the Flexi charges above are inclusive of applicable taxes *Loan Amount includes approved loan amount, insurance premium, VAS charges, and documentation charges. |
Bounce charges | Rs. 700 - Rs. 1,200 per bounce. |
Pre-payment charges | Full prepayment
•Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full prepayment.
•Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. •Flexi Hybrid Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as of the date of full prepayment. Part-prepayment •Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of the loan prepaid on the date of such part-prepayment. • Not Applicable for Flexi Term Loan (Flexi Dropline) and Flexi Hybrid. |
Penal interest | Any delay in payment of monthly instalment/ EMI shall attract penal interest at the rate of 3.50% per month on the monthly instalment/ EMI outstanding from the date of default until the receipt of the monthly instalment/ EMI. |
Stamp duty |
Payable as per state laws and deducted upfront from loan amountMandate registration charge. |
Mandate registration charges | Rs. 1 /- (inclusive of applicable taxes) applicable in case of UPI mandate registration. |
Mandate rejection charges | Rs. 450 from the first month of the due date for the mandate rejected by customer’s bank until the registration of new mandate. |
Annual maintenance charges | Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during the initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable amount during subsequent tenure. |
Broken Period Interest/ Pre-EMI Interest | Broken period interest/ Pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. |
*Terms and conditions apply
For Micro Finance Loans, please note below:
Purchase of any non-credit product by the microfinance borrowers is purely on a voluntary basis. Minimum interest, maximum interest and average interest are 13%, 35%, and 34.7% respectively.
Part pre-payment and Foreclosure charges are NIL.
Fees and charges of business loan
Bajaj Finserv offers. the lowest rate of interest on business loan. Read more about our latest interest rate and fees and charges below.
Type of fee |
Applicable charges |
Rate of interest |
9.75% - 30% per annum |
Processing fees |
Up to 3.54% of the loan amount (inclusive of applicable taxes) |
Bounce charge |
In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied. |
Document processing charges |
Up to Rs. 2,360/- (inclusive of applicable taxes) |
Flexi Fee |
Term Loan - Not applicable Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes) Flexi Variant (as applicable below) - A fee will be deducted upfront from the loan amount
*Loan Amount includes approved loan amount, insurance premium, VAS charges, and documentation charges. |
Penal interest |
Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment, from the date of default until the receipt of monthly instalment. |
Pre-payment charges |
Full Pre-payment
Part Pre-payment
|
Stamp duty |
Payable as per state laws and deducted upfront from the loan amount. |
Mandate rejection charges |
Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered. |
Broken Period Interest/ Pre-EMI Interest |
Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods:
Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. |
Annual maintenance charges |
Term Loan – Not Applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges. Flexi Hybrid Loan: Up to 1.18% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure. |
Switch Fees* | Up to 1.18% of the loan amount (inclusive of applicable taxes) |
*Switch Fee is applicable only in case of switch of loan. In switch cases, Processing Fees and Documentation Charges will not be applicable.
Fees and charges of secured business loan
Type of fee |
Applicable charges |
Rate of interest |
9% to 22% p.a. |
Processing fees |
Up to 3.54% of the loan amount (inclusive of applicable taxes) |
Document processing fees |
Up to Rs. 2,360/- (inclusive of applicable taxes) |
Bounce charges |
Rs. 1,500 per bounce. |
Penal interest |
Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment, from the date of default until the receipt of monthly instalment. |
Stamp duty |
Payable as per state laws and deducted upfront from the loan amount |
Flexi Fee |
Term Loan - Not applicable |
Mandate rejection charges |
Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered |
Mortgage Origination Fees | Upto 6000/- (inclusive of applicable taxes) per property |
Property Insight (if availed) | Rs. 6,999/- (inclusive of applicable taxes) |
Pre-payment Charges | Full Pre-payment Foreclosure charges/pre-payment penalties are not applicable on any floating rate term loan sanctioned, for purposes other than business, to individual borrowers with or without co-applicant(s). |
Annual Maintenance Charges | Term Loan: Not Applicable Flexi Term Loan (Flexi Dropline): Not applicable Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure. Not applicable during subsequent loan tenure |
Broken period interest/ Pre-EMI interest | Broken period interest/ Pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods: Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. |
Fees and charges of Commercial Lending
Types of fees |
Charges applicable |
Rate of interest |
Up to 15.00% p.a. |
Processing fees |
Up to 2.36% of the loan amount (Inclusive of applicable taxes) |
Pre-payment charges |
Up to 4.72% (Inclusive of applicable taxes) of the principal amount of the loan paid on the date of such pre-payment |
Bounce charges |
Rs. 3,000 per bounce |
Penal interest |
Any delay in payment of monthly instalment shall attract penal interest at the rate of 6% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment. |
Stamp duty |
Payable as per state laws and deducted upfront from the loan amount |
Other charges (Invoice audit charges, legal charges and other incidental charges, TSR/ Valuation/ CERSAI charges) |
On actuals (transaction specific) |
Fees and charges of two-wheeler loan
Bajaj Finserv offers an annualised interest rate of up to 35% per annum
Fees & Charges Name |
Amount (₹) / Percentage (%) |
Processing Fee |
Up to 12.95% of the loan amount (inclusive of applicable taxes) |
Documentation & Hypothecation Charges |
Up to Rs. 2,500/- (inclusive of applicable taxes) Collected upfront |
Stamp Duty (as per respective state) |
Payable as per state laws and collected upfront |
Pre-payment Charges |
Full/ Part Prepayment
|
Bounce Charge |
In case of default of repayment instrument Rs. 531/- will be levied |
Penal Interest |
Delay in payment of Monthly instalment shall attract penal interest at the rate of 3.5% per month on the Monthly Instalment outstanding, from the respective due date until the date of receipt |
Mandate Registration Charges |
Rs. 118/- (inclusive of applicable taxes) if applicable Applicable for the banks below - |
Mandate Rejection Charge |
Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered |
Loan Enhancement Fee | Rs. 117 (Inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with 01st instalment. |
Legal, Repossession and Incidental Charges | Rs. 3,540/- (inclusive of Applicable taxes) |
Stockyard charges | Rs. 59/- per day up to 60 days |
Broken period interest / Pre EMI-Interest | "Broken Period Interest/Pre-EMI Interest" shall mean the amount of interest on Loan for the number of day(s) which is: Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the Loan Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the Loan, Interest on first instalment will be charged for actual number of days |
NOC KIT |
NA |
Fees and charges of gold loan
The below table lists the gold loan interest rate and charges applicable when you apply for a Bajaj Finserv Gold Loan
Types of fee |
Applicable charges |
Interest rate |
9.50% p.a. to 28% p.a. |
Processing fees |
0.12% (Inclusive of applicable taxes) of Loan Amount, Subject to a Minimum of Rs. 99 (Inclusive of applicable taxes) and Maximum of Rs. 600 (Inclusive of applicable taxes) |
Stamp duty (as per respective state) |
Payable as per state laws and deducted upfront from loan amount |
Cash handling charges |
NIL |
Penal interest |
3% p.a. on outstanding balance The penal interest margin/ rate will be over and above the interest rate slab. This shall be applicable/ chargeable in case of default in repayment of the outstanding dues. |
Part-prepayment charges |
NIL |
Foreclosure charges |
Minimum 7 days’ interest Foreclosure charges are zero. However, if you close the loan within 7 days of booking, you have to pay minimum 7 days’ interest. |
Auction charges |
Charge for physical notice – Rs. 40 (Inclusive of applicable taxes) per notice |
*Minimum period for charging interest (Irrespective of date of repayment) (In days) 7 days
Fees and charges of loan against securities
The following charges are applicable on loan against securities:
Types of fees | Charges applicable |
Interest Rate | Up to 20% p.a. |
Processing Fees | Up to 4.72% of the loan amount (Inclusive of applicable taxes) of the loan amount (Inclusive of applicable taxes) |
Part Pre-payment Charges | Up to 4.72% (Inclusive of applicable taxes) on the outstanding amount paid as on the date of part pre-payment |
Annual Maintenance Charges | Not applicable |
Bounce charges | Rs. 1,200 per bounce |
Penal Interest | Any delay in payment of monthly instalment shall attract penal interest at the rate of 3% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment. |
Stamp Duty | Payable as per state laws and deducted upfront from loan amount |
Brokerage charges* | As applicable |
DP charges** | As applicable |
Foreclosure Charges | Up to 4.72% (Inclusive of applicable taxes) on the outstanding amount paid as on the date of full pre-payment |
Pledge confirmation charges* | As applicable |
Pledge innovation charges* | As applicable |
Demat share transfer charges (post invocation) | 0.024% + flat Rs. 5.9/- (inclusive of applicable taxes) or Rs. 64.9/- whichever is higher |
*Charges levied by Broker to BFL and the same is being passed on to the clients **Charges levied by NSDL/ CDSL to BFL and the same is being passed on to the clients |
Fees and charges of used car finance
The following charges are applicable on used car finance:
Type of fee |
Applicable charges |
Rate of interest |
10.50% to 22% p.a. |
Processing fees |
Up to 2.95% of the loan amount (inclusive of applicable taxes) |
Documentation charges |
Up to Rs. 2,360 (inclusive of applicable taxes) |
Flexi Fee |
Term Loan – Not applicable Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes) Flexi variant (as applicable below) - a fee will be deducted upfront from the loan amount Up to Rs. 1,999/- (inclusive of applicable taxes) for loan amount less than Rs. 2,00,000/- Up to Rs. 3,999/- (inclusive of applicable taxes) for loan amount from Rs. 2,00,000/- to Rs. 3,99,999/- Up to Rs. 5,999/- (inclusive of applicable taxes) for the loan amount from Rs. 4,00,000/- to Rs. 5,99,999/- Up to Rs. 6,999/- (inclusive of applicable taxes) for the loan amount from Rs. 6,00,000/- to Rs. 9,99,999/- Up to Rs. 7,999/- (inclusive of applicable taxes) for the loan amount of Rs. 10,00,000/- and above *Loan amount includes approved loan amount, insurance premium, VAS charges, and documentation charges. |
Pre-payment charges | Full pre-payment (Foreclosure) Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment Flexi Hybrid Loan/Flexi Term Loan (Flexi Dropline): Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full prepayment. Part pre-payment Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment. Not applicable for Flexi variants. |
Annual maintenance charges | Term Loan: Not applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Loan: Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure |
Bounce charges | Rs. 1,500 per bounce. |
Penal interest |
Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the date of default until the receipt of the monthly instalment/ EMI. |
Stamp duty | Payable as per state laws and deducted upfront from the loan amount. |
Legal, repossession and incidental Charges | Actual legal and incidental charges under applicable laws |
Auction charges | At actuals |
Mandate registration charges | Re. 1 (inclusive of applicable taxes) applicable in case of UPI mandate registration. |
Mandate rejection charges |
Rs. 450 per month from the first month of the due date for the mandate rejected by the customer’s bank until the new mandate is registered. |
Loan re-booking charges | Rs. 1,000 (inclusive of applicable taxes). |
Loan cancellation charges | Rs. 2,360 (inclusive of applicable taxes) (Interest till cancellation to be borne by the customer). |
NDC for interstate transfer |
Rs. 1,180 (inclusive of applicable taxes). |
NDC to convert from Private to Commercial |
Rs. 3,540 (inclusive of applicable taxes). |
Duplicate NDC |
Rs. 500 (inclusive of applicable taxes). |
Broken period interest/ pre-EMI interest | Broken period interest/ pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods:
Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. |
Fees and charges of new car finance
Type of fee | Applicable charges |
Rate of interest | 7.50% to 14% p.a. |
Processing fees | Up to 2.95% of the loan amount (inclusive of applicable taxes) |
Documentation charges | Up to Rs. 2,360/- (inclusive of applicable taxes) |
Flexi Fee | Term Loan – Not applicable · Up to Rs. 999/- (inclusive of applicable taxes) for loan amount up to ₹ 9,99,999/- · Up to Rs. 1,499/- (Inclusive of applicable taxes) for loan amount of Rs. 10,00,000/- and above |
Prepayment charges | Full prepayment (Foreclosure) · Term Loan: Up to 4.72% (inclusive of applicable taxes) on the outstanding loan amount payable by the borrower as on the date of such full pre-payment · Flexi Hybrid Loan/Flexi Term Loan: Up to 4.72% (inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule, during initial and subsequent tenure on the date of such full pre-payment. Part-prepayment · Term Loan: Up to 4.72% (inclusive of applicable taxes) of the principal amount of loan prepaid on the date of such part pre-payment. · Not applicable for Flexi loan variants |
Annual maintenance charges | Term Loan: Not applicable · Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Loan: · Up to 0.59% (inclusive of applicable taxes) of the total withdrawable amount during initial tenure · Up to 0.295% (inclusive of applicable taxes) of total withdrawable Amount during subsequent tenure |
Bounce charges | In case of default of repayment instrument, Rs. 1500/- per bounce will be levied. |
Penal interest | Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the date of default until the receipt of the monthly instalment. |
Stamp duty (as per respective state) | Payable as per state laws and deducted upfront from the loan amount. |
Legal, and incidental Charges | Actual legal and incidental charges under applicable laws |
Repossession charges | Repossession charges at actuals with a maximum capping of Rs. 50000 (inclusive of applicable taxes) |
Auction charges | At actuals |
Valuation charges | At actuals |
Stockyard charges | Rs. 118/- per day for 60 days (inclusive of applicable taxes) |
Mandate rejection charges | Rs. 450/- per month from the first month of the due date for the mandate rejected by the customer’s bank until the new mandate is registered. |
NOC for interstate transfer | Rs. 1,180/- (inclusive of applicable taxes) |
NOC to convert from Private to Commercial | Rs. 3,540/- (inclusive of applicable taxes) |
Duplicate NOC | Rs. 500/- (inclusive of applicable taxes) |
Other NOC | Rs. 1,180/- (inclusive of applicable taxes) |
Broken period interest/pre-EMI interest | Broken period interest/pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: · For Term Loan, Flexi Term Loan, and Flexi Hybrid Loan: Added to the first instalment Scenario 2 – Less than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, interest is charged only for the actual number of days since the loan was disbursed. |
Fees and charges of loan for doctors
Get a Bajaj Finserv Doctor Loan of up to Rs. 55 lakh and repay it easily over flexible tenures of up to 8 years.
Type of fee |
Applicable charges |
Rate of interest |
11% - 18% per annum |
Processing fees | Up to 2.95% of the loan amount (inclusive of applicable taxes) |
Documentation charges |
Up to Rs. 2,360/- (inclusive of applicable taxes) |
Flexi fee |
Term Loan – Not applicable Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes) Flexi Variant (as applicable below) - a fee will be deducted upfront from the loan amount
|
Pre-payment charges |
Full Pre-payment
|
Annual maintenance charges | Term Loan: Not Applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Loan:
|
Bounce charges | In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied. |
Penal interest | Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment, from the date of default until the receipt of monthly instalment. |
Stamp duty | Payable as per state laws and deducted upfront from the loan amount |
Mandate rejection charges | Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered. |
Broken period interest/ pre-EMI interest |
Broken period interest/pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods:
In this scenario, interest is charged only for the actual number of days since the loan was disbursed. |
Switch fee* |
Up to 1.18% of the loan amount (inclusive of applicable taxes) |
*Switch fee is applicable only in case of conversion of loan. In conversion cases, Processing Fees and Documentation Charges will not be applicable.
Fees and charges of chartered accountant loan
Also Get a Bajaj Finserv CA Loan of up to Rs. 55 lakh with minimal documentation and flexible tenure to meet your financial requirements.
Type of fee |
Applicable charges |
Rate of interest |
11% - 18% per annum |
Processing fees | Up to 2.95% of the loan amount (inclusive of applicable taxes) |
Documentation charges |
Up to Rs. 2,360/- (inclusive of applicable taxes) |
Flexi fee |
Term Loan – Not applicable Flexi Term Loan (Flexi Dropline) - Up to Rs. 999/- (inclusive of applicable taxes) Flexi Variant (as applicable below) - a fee will be deducted upfront from the loan amount
|
Pre-payment charges |
Full Pre-payment
|
Annual maintenance charges | Term Loan: Not Applicable Flexi Term Loan (Flexi Dropline): Up to 0.295% (inclusive of applicable taxes) of the total withdrawable amount (as per the repayment schedule) on the date of levy of such charges Flexi Hybrid Loan:
|
Bounce charges | In case of default of repayment instrument, Rs. 1,500/- per bounce will be levied. |
Penal interest | Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment, from the date of default until the receipt of monthly instalment. |
Stamp duty | Payable as per state laws and deducted upfront from the loan amount |
Mandate rejection charges | Rs. 450/- per month from the first month of due date for mandate rejected by customer’s bank until the new mandate is registered. |
Broken period interest/ pre-EMI interest |
Broken period interest/pre-EMI interest shall mean the amount of interest on Loan for the number of day(s) which is(are) charged in two scenarios: Scenario 1 – More than 30 days from the date of loan disbursal till the first EMI is charged: In this scenario, broken period interest is recovered by the following methods:
In this scenario, interest is charged only for the actual number of days since the loan was disbursed. |
Switch fee* |
Switch Fees is applicable only in case of switch of loan. In switch cases, Processing Fees and Documentation Charges will not be applicable |
*Switch fee is applicable only in case of conversion of loan. In conversion cases, Processing Fees and Documentation Charges will not be applicable.
Fees and charges of Bajaj Finserv RBL bank Platinum Choice SuperCard
The following are the charges applicable on the Platinum Choice SuperCard:
Type of fee |
Charges applicable |
Joining fee |
Rs. 499 + GST |
Annual fee |
Rs. 499 + GST (fee waiver on annual spends of Rs. 50,000) |
Add-on card fees |
NIL |
Foreign currency transaction** |
3.50% + GST |
Cash payment at branches |
Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets |
IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ |
1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher |
Reward redemption fees |
A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee |
2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit |
Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty |
Rs. 600 + GST |
Finance charges (retail purchases and cash) |
APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/ stolen/ reissue/ any other replacement) |
NIL |
Duplicate statement fee |
NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds |
Rs. 500 + GST |
Merchant EMI processing fee |
Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards.
*Late Payment Charges
Late payment fee |
|
12.5% of the outstanding Amount |
|
Minimum Rs. 5 |
Maximum Rs. 1,300 |
Fees and charges of Bajaj Finserv RBL bank Platinum Choice SuperCard – First-Year-Free
The following are the charges applicable on the Platinum Choice SuperCard – First-Year-Free:
Type of fee |
Charges applicable |
Joining fee |
NIL |
Annual fee |
Rs. 499 + GST (fee waiver on annual spends of Rs. 50,000) |
Add-on card fees |
NIL |
Foreign currency transaction** |
3.50% + GST |
Cash payment at branches |
Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets |
IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ |
1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher |
Reward redemption fees |
A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee |
2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit |
Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty |
Rs. 600 + GST |
Finance charges (retail purchases and cash) |
APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/ stolen/ reissue/ any other replacement) |
NIL |
Duplicate statement fee |
NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds |
Rs. 500 + GST |
Merchant EMI processing fee |
Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.
*Late payment charges
Late payment fee |
|
12.5% of the outstanding Amount |
|
Minimum Rs. 5 |
Maximum Rs. 1,300 |
Fees and charges of Bajaj Finserv RBL bank Platinum Plus SuperCard
The following are the charges applicable on the Platinum Plus SuperCard:
Type of fee |
Charges applicable |
Joining fee |
Rs. 999 + GST |
Annual fee |
Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000 Effective from 1st April 2023) |
Add-on card fees |
NIL |
Foreign currency transaction** |
3.50% + GST |
Cash payment at branches |
Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets |
IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ |
1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher |
Reward redemption fees |
A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee |
2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit |
Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty |
Rs. 600 + GST |
Finance charges (retail purchases and cash) |
APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/ stolen/ reissue/ any other replacement) |
NIL |
Duplicate statement fee |
NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds |
Rs. 500 + GST |
Merchant EMI processing fee |
Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.
*Late payment charges
Late payment fee |
|
12.5% of the outstanding Amount |
|
Minimum Rs. 5 |
Maximum Rs. 1,300 |
Fees and charges of Bajaj Finserv RBL bank Platinum Plus SuperCard – First-Year-Free
The following are the charges applicable on the Platinum Plus SuperCard – First-Year-Free:
Type of fee |
Charges applicable |
Joining fee |
NIL |
Annual fee |
Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000 Effective from 1st April 2023) |
Add-on card fees |
NIL |
Foreign currency transaction** |
3.50% + GST |
Cash payment at branches |
Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets |
IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ |
1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher |
Reward redemption fees |
A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee |
2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit |
Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty |
Rs. 600 + GST |
Finance charges (retail purchases and cash) |
APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/ stolen/ reissue/ any other replacement) |
NIL |
Duplicate statement fee |
NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds |
Rs. 500 + GST |
Merchant EMI processing fee |
Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.
*Late payment charges
Late payment fee |
|
12.5% of the outstanding Amount |
|
Minimum Rs. 5 |
Maximum Rs. 1,300 |
Fees and charges of Bajaj Finserv RBL bank World Prime SuperCard
The following are the charges applicable on the World Prime SuperCard:
Type of fee |
Charges applicable |
Joining fee |
Rs. 2,999 + GST |
Annual fee |
Rs. 2,999 + GST |
Renewal fee |
Rs. 2,999 + GST |
Add-on card fees |
NIL |
Foreign currency transaction** |
3.50% + GST |
Cash payment at branches |
Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets |
IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ |
1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher |
Reward redemption fees |
A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee |
2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit |
Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty |
Rs. 600 + GST |
Finance charges (retail purchases and cash) |
APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/ stolen/ reissue/ any other replacement) |
NIL |
Duplicate statement fee |
NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds |
Rs. 500 + GST |
Merchant EMI processing fee |
Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.
*Late payment charges
Late payment fee |
|
12.5% of the outstanding Amount |
|
Minimum Rs. 5 |
Maximum Rs. 1,300 |
Fees and charges of Bajaj Finserv RBL bank World Plus SuperCard
The following are the charges applicable on the World Plus SuperCard:
Type of fee |
Charges applicable |
Joining fee |
Rs. 4,999 + GST |
Annual fee |
Rs. 4,999 + GST |
Add-on card fees |
NIL |
Foreign currency transaction** |
3.50% + GST |
Cash payment at branches |
Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets |
IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ |
1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher |
Reward redemption fees |
A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee |
2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit |
Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty |
Rs. 600 + GST |
Finance charges (retail purchases and cash) |
APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/ stolen/ reissue/ any other replacement) |
NIL |
Duplicate statement fee |
NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds |
Rs. 500 + GST |
Merchant EMI processing fee |
Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.
*Late payment charges
Late payment fee |
|
12.5% of the outstanding Amount |
|
Minimum Rs. 5 |
Maximum Rs. 1,300 |
Fees and charges of Bajaj Finserv RBL bank Doctor’s SuperCard
The following are the charges applicable on the Doctor’s SuperCard:
Type of fee |
Charges applicable |
Joining fee |
Rs. 999 + GST |
Annual fee |
Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000) |
Add-on card fees |
NIL |
Foreign currency transaction** |
3.50% + GST |
Cash payment at branches |
Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/cancellation of railway tickets |
IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ |
1.00% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher |
Reward redemption fees |
A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee |
2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit |
Up to 3.99% + GST per month or 47.88% + GST per annum |
Overdue penalty/late payment |
15% of the total amount due (minimum Rs. 50, maximum Rs. 1,500) |
Over-limit penalty |
Rs. 600 + GST |
Finance charges (retail purchases and cash) |
APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Call-a-draft fee |
2.50% + GST (minimum Rs. 300 + GST) of the draft amount |
Card replacement (Lost/stolen/reissue/any other replacement) |
NIL |
Duplicate statement fee |
NIL |
Charge slip retrieval/copy fee |
Rs. 100 + GST |
Outstation cheque fee |
Rs. 100 + GST |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds |
Rs. 500 + GST |
Personal indemnity insurance* + annual fee |
Rs. 4,999 + GST |
Merchant EMI transaction |
Rs. 199 + GST |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes.
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge.
*Refer to the IRCTC website for details.
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard, and Rs. 150 for all other World SuperCards.
*Personal indemnity insurance cover is provided free of cost for the first year to all customers. Charges will be levied only post customer consent in the second year if Rs. 3.5 lakh spends criteria is not met in the first year.
*Late payment charges
Outstanding amount (Rs.) |
Late payment fee (Rs.) |
Less than 100 |
0 |
100 - 499 |
100 |
500 - 4,999 |
500 |
5,000 - 9,999 |
750 |
10,000 - 24,999 |
900 |
25,000 - 49,999 |
1,000 |
50,000 and above |
1,300 |
Fees and Charges of Bajaj Finserv RBL Bank Binge First Year Free Supercard
Types of fees | Charges applicable |
Joining fee | NIL |
Annual fee | Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000) |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
Fees and Charges of Bajaj Finserv RBL Bank Binge SuperCard
Types of fees | Charges applicable |
Joining fee | NIL |
Annual fee | Rs. 999 + GST (fee waiver on annual spends of Rs. 1,00,000) |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
Fees and Charges of Bajaj Finserv RBL Bank Platinum ShopDaily Supercard
To know about the fees and charges applicable on this credit card, refer the table below
Types of fees | Charges applicable |
Joining fee | Rs. 499 + GST |
Annual fee | Rs. 499 + GST |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
Fees and Charges of Bajaj Finserv RBL Bank Platinum Edge SuperCard
To know about the fees and charges applicable on this credit card, refer the table below
Types of fees | Charges applicable |
Joining fee | Rs. 1,999 + GST |
Annual fee | Rs. 1,999 + GST |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
Fees and Charges of Bajaj Finserv RBL Bank Travel Easy SuperCard
To know about the fees and charges applicable on this credit card, refer the table below
Types of fees | Charges applicable |
Joining fee | Rs. 999 + GST |
Annual fee | Rs. 999 + GST |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
** Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a cross-border charge.
Fees and Charges of Bajaj Finserv RBL Bank Shop Smart SuperCard
To know about the fees and charges applicable on this credit card, refer the table below
Types of fees | Charges applicable |
Joining fee | Rs. 499 + GST |
Annual fee | Rs. 499 + GST |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
** Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a cross-border charge.
Fees and charges of loan against property
Type of fee |
Applicable charges |
||
Rate of interest (p.a.) |
Salaried |
Self-employed |
Doctors |
9% to 14% (Floating rate of Interest) |
9% to 14% (Floating rate of Interest) |
9% to 14% (Floating rate of Interest) |
|
Processing fees |
Up to 3.54% of the loan amount (inclusive of applicable taxes) |
||
Document Processing Charges |
Up to Rs. 2,360/- (inclusive of applicable taxes) |
||
Flexi Fee | Term Loan - Not applicable Flexi Variant - Not applicable |
||
Pre-payment Charges |
|
||
Annual Maintenance Charges |
Term Loan: Not Applicable Flexi Term Loan (Flexi Dropline): Not applicable Flexi Hybrid Loan: Up to 0.295% (inclusive of applicable taxes) of the Total Withdrawable Amount during Initial Loan Tenure. Not applicable for subsequent Loan Tenure. |
||
Bounce Charges |
Rs. 1500 per bounce |
||
Penal Interest |
Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment. |
||
Stamp Duty | Payable as per state laws and deducted upfront from the loan amount | ||
Mandate Rejection Charges | Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered | ||
Broken Period Interest/ Pre-EMI Interest | "Broken Period Interest/ Pre-EMI Interest" shall mean the amount of interest on loan for the number of day(s) which is(are): Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the loan Method of recovery of Broken Period Interest/ Pre-EMI Interest: Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the loan, Interest on first instalment will be charged for actual number of days |
||
Mortgage Origination Fees | Rs. 3000/- | ||
Property Insight (if availed) |
Rs. 6999/- (inclusive of applicable taxes) |
Fees and charges of Insta EMI Card
FEES AND CHARGES | |
The following charges are applicable on Insta EMI Card | |
Type of fee | Applicable charges |
EMI Network Card Fee | Rs. 530/- (inclusive of applicable taxes) |
Online Convenience Fee | Rs. 69/- (inclusive of applicable taxes) applicable to Customers who avail Insta EMI Card exclusively through digital mode |
EMI Network Card Loan Limit Enhancement Fee | Rs. 117/- (inclusive of applicable taxes) |
Annual Fee | Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed any loan using the EMI Network Card in the preceding year. |
The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your EMI Network Card. | |
For example, If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the EMI Network Card) the date for payment of the annual fee will be March 2020. | |
Add-on EMI Network Card Fee | Rs. 199/- (inclusive of applicable taxes) |
Fees & Charges applicable for availing loan limit through EMI Network Card | |
Type of fee | Applicable charges |
Processing Fee | Up to Rs. 5000/- (inclusive of applicable taxes) collected upfront |
Bounce Charges | Rs. 500/- per bounce |
Penal Interest | Any delay in payment of Monthly Instalment/ EMI shall attract penal interest at the rate of 3.5% per month on the Monthly Instalment/ EMI outstanding, from the date of default until the receipt of Monthly Instalment/ EMI. |
Mandate Rejection Charges | Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered |
Mandate Registration Charges | Rs. 118/- (inclusive of applicable taxes) if applicable |
Loan Enhancement Fees | Rs. 117/- (Inclusive of applicable taxes) will be added in the 01st EMI |
Convenience Fee | Rs. 117/- (Inclusive of applicable taxes) will be collected along with 01st instalment |
Fees and charges of Bajaj Pay Wallet
The following charges are applicable on Bajaj Pay Wallet:
Bajaj Pay Wallet – Fees and Charges |
|
Service |
Charges (Rs.) |
Account opening |
Rs. 0 |
Load money |
Charges (Rs.) |
Through credit card |
Up to 5% per transaction (inclusive of applicable taxes) |
Through debit card |
Up to 2% per transaction (inclusive of applicable taxes) |
Through UPI |
Up to 2% per transaction (inclusive of applicable taxes) |
Through Net Banking |
Up to 2% per transaction (inclusive of applicable taxes) |
*Charges basis agreement with the merchant and aggregator, based on selected payment instrument and subject to revision time to time |
|
Payment |
Charges (Rs.) |
Payment at merchant |
Rs. 0 |
Payment to utility bill/ recharges/ DTH |
Up to 2% per transaction (Inclusive of applicable taxes) |
*Charges basis agreement with the merchant and aggregator, based on selected payment instrument and subject to revision time to time |
|
Transfer |
Charges (Rs.) |
Bajaj Pay Wallet to wallet |
Rs. 0 |
Bajaj Pay Wallet (full KYC only) to bank |
Up to 5% per transaction (inclusive of applicable taxes) |
*For failed transactions, total amount including charges except taxes are reversed. |
|
*Additional cess will be applicable on all charges in accordance with the state specific laws. |
Fees and Charges of Bajaj Finserv RBL bank Value Plus SuperCard
To know about the fees and charges applicable on this credit card, refer the table below
Types of fees | Charges applicable |
Joining fee | Rs. 499 + GST |
Annual fee | Rs. 499 + GST |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
* Refer to the IRCTC website for details.
** Transactions at merchant establishments that are registered overseas, even if the merchant is in India, attract a cross-border charge.
Fees and Charges of Bajaj Finserv RBL bank Platinum ShopGain SuperCard
To know about the fees and charges applicable on this credit card, refer the table below
Types of fees | Charges applicable |
Joining fee | Rs. 1,499 + GST |
Annual fee | Rs. 1,499 + GST |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
** Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a cross-border charge.
Fees and Charges of Bajaj Finserv RBL bank Platinum LifeEasy SuperCard
To know about the fees and charges applicable on this credit card, refer the table below
Types of fees | Charges applicable |
Joining fee | Rs. 1999 + GST |
Annual fee | Rs. 1999 + GST |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
** Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a cross-border charge.
Fees and charges of medical equipment finance
Type of fee | Applicable charges |
Rate of interest | Up to 14% p.a. |
Processing fees | Up to 2.95% of the loan amount (inclusive of applicable taxes). |
Stamp duty | Payable as per state laws and deducted upfront from loan amount |
Bounce charges | Rs. 1,500 per bounce. |
Penal interest | Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment/ EMI outstanding, from the date of default until the receipt of monthly instalment. |
Mandate rejection charges | Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered |
Flexi Fees | Term loan and Flexi variant - Not applicable |
Part-payment charges | Full Pre-payment •Term Loan: Up to 4.72% (Inclusive of applicable taxes) on the outstanding loan amount as on the date of full pre-payment •Flexi Term Loan (Flexi Dropline): Up to 4.72% (Inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment. •Flexi Hybrid Loan: Up to 4.72% (Inclusive of applicable taxes) of the total withdrawable amount as per the repayment schedule as on the date of full pre-payment. Part Pre-payment •Up to 4.72% (Inclusive of applicable taxes) of the principal amount of Loan prepaid on the date of such part Pre-Payment. •Not Applicable for Flexi Term Loan (Flexi Dropline) and Hybrid Flexi |
Annual Maintenance Charges | Not Applicable |
Broken period interest/ Pre-EMI interest |
"Broken Period Interest/Pre-EMI Interest" shall mean the amount of interest on loan for the number of day(s) which is(are): Scenario 1: Over and above the period of 30 (thirty) days from the date of disbursement of the loan Method of recovery of Broken Period Interest/Pre-EMI Interest: Scenario 2: Less than period of 30 (thirty) days from the date of disbursement of the loan, Interest on first instalment will be charged for actual number of days |
Legal, Repossession and Incidental Charges | Actual legal and incidental charges under applicable laws. |
Commitment fees (non-refundable) | Up to Rs. 12,999 (inclusive of applicable taxes) |
Hypothecation | As per state laws |
Fees and Charges of Bajaj Finserv RBL bank Platinum Advantage SuperCard
To know about the fees and charges applicable on this credit card, refer the table below
Types of fees | Charges applicable |
Joining fee | Rs. 499 + GST |
Annual fee | Rs. 499 + GST |
Add-on card fees | NIL |
Foreign currency transaction** | 3.50% + GST |
Cash payment at branches | Rs. 100 cash deposit transaction done at RBL branch and Bajaj Finserv branch effective from 1st July 2022 |
Surcharge on purchase/ cancellation of railway tickets | IRCTC service charges* + payment gateway. Transaction charge [Up to 1.8% + GST of (ticket amount + IRCTC service charge)] |
Fuel transaction charge - for transactions made at petrol pumps to purchase fuel^ | 1% + GST surcharge on fuel transaction value or Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant end & it may vary from 1% to 2.5% |
Reward redemption fees | A reward redemption fee of Rs. 99 + GST will be levied on all redemptions made on Bajaj Finserv RBL Bank co-brand credit card w.e.f. 1st June 2019. T&C apply |
Cash advance transaction fee | 2.5% of the amount (minimum Rs. 500 + GST) of the cash amount *effective July'20 |
Overdue interest on extended credit | Up to 3.99% + GST per month or 47.88% + GST per annum |
Over-limit penalty | Rs. 600 + GST |
Finance charges (retail purchases and cash) | APR up to 3.99% + GST p.m. (up to 47.88% + GST p.a.) |
Card replacement (Lost/stolen/reissue/any other replacement) | NIL |
Duplicate statement fee | NIL |
Cheque return/ dishonour fee auto debit reversal-bank account out of funds | Rs. 500 + GST |
Merchant EMI processing fee | Rs. 199 + GST |
Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
All the above charges are subject to change under various organisational policies. However, the cardholder will be duly informed about the changes. | |
**Transactions at merchant establishments that are registered overseas, even if the merchant is in India, shall attract a cross-border charge. | |
*Refer to the IRCTC website for details. | |
^The surcharge is applicable on a minimum fuel transaction of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus Supercard, and Rs. 150 for all other World SuperCards. | |
Late payment fee | |
12.5% of the outstanding Amount | |
Minimum Rs. 5 | Maximum Rs. 1,300 |
The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The maximum surcharge waiver is Rs. 100 for Platinum SuperCards, Rs. 200 for World Plus SuperCard and Rs. 150 for all other World SuperCards.
Fees and charges of EMI Network Card
To know more about terms & conditions for availing loan through EMI Card, click here
FEES AND CHARGES | |
The following charges are applicable on Insta EMI Card | |
EMI NETWORK CARD | |
Type of fee | Applicable charges |
EMI Network Card Fee | Rs. 530/- (inclusive of applicable taxes) |
Online Convenience Fee | Rs. 69/- (inclusive of applicable taxes) applicable to Customers who avail Insta EMI Card exclusively through digital mode |
EMI Network Card Loan Limit Enhancement Fee | Rs. 117/- (inclusive of applicable taxes) |
Annual Fee | Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed any loan using the EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your EMI Network Card. For example, If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the EMI Network Card) the date for payment of the annual fee will be March 2020. |
Add-on EMI Network Card Fee | Rs. 1,99/- (inclusive of applicable taxes) |
Fees & Charges applicable for availing loan limit through EMI Network Card | |
Type of fee | Applicable charges |
Processing Fee | Up to Rs. 1,017/- (inclusive of applicable taxes) collected upfront |
Bounce Charges | Rs. 500/- per bounce |
Penal Interest | Any delay in payment of Monthly Instalment/ EMI shall attract penal interest at the rate of 3.5% per month on the Monthly Instalment/ EMI outstanding, from the date of default until the receipt of Monthly Instalment/ EMI. |
Mandate Rejection Charges | Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered |
Mandate Registration Charges | Rs. 118/- (inclusive of applicable taxes) if applicable |
Loan Enhancement Fees | Rs. 117/- (inclusive of applicable taxes) |
Convenience Fee | Rs. 117/- (inclusive of applicable taxes) |
Add-on card fee
An EMI Network Card is offered to the family members of the existing primary EMI Network Card holder. The limit will be shared with the primary EMI Network Card holder.
Annual fee
Annual/ renewal fee will only be charged to the EMI Network Card holders. who have not availed any loan using the EMI Network Card in the preceding year. The preceding year will be 12 months calculated from last year’s validity month, which is printed on the face of your EMI Network Card. For example, if you were issued the EMI Network Card on August 2014 (referred to as ‘Valid From’) and no transaction between August 2015 and August 2016; the payment of fee will be in September 2016.
Convenience fee
Convenience fee is charged for the ease of conversion of purchases in to easy EMIs at the point of sale through his EMI Network Card. These are not surcharge.
ECS return fee
A penalty is levied if your EMI payment fails due to insufficient funds or other bank rejection reasons.
Joining fee
Joining fee also known as participation or membership fee. This fee is charged once only.
Penal interest
These are charges for your delinquency in paying due amount on time is known as Penal interest.
Fees and charges of Health EMI Network Card
The following charges are applicable on Health EMI Network Card:
Types of fees |
Charges applicable |
Health EMI Network Card fee - Gold |
Rs. 707/- (inclusive of applicable taxes) |
Health EMI Network Card fee - Platinum |
Rs. 999/- (inclusive of applicable taxes) |
FEES & CHARGES APPLICABLE FOR LOAN AVAILED THROUGH HEALTH EMI NETWORK CARD | |
Processing Fee |
Up to Rs. 1017/- (Inclusive of applicable taxes) collected upfront |
Bounce Charges |
Rs. 500/- per bounce |
Penal Interest |
Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 3.5% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI. |
Mandate Rejection Charges |
Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered |
Mandate Registration Charges |
Rs. 118/- (inclusive of applicable taxes) if applicable Applicable for the banks below - |
Loan Enhancement Fees |
Rs. 117/- (Inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with the first instalment |
Convenience Fee | Rs. 117/- (Inclusive of applicable taxes) will be collected along with the first instalment |
Full Pre-payment (Foreclosure) Charges | Nil, anytime post disbursal of loan |
Part Pre-payment Charges | Nil, anytime post disbursal of loan |
Fees and charges of EMI Network
Processing fees varies from products, schemes and dealers purchased on the EMI Network categories.
Type of fees | Amount (Rs.)/ Percentage (%) and Description |
Processing fees | Up to Rs. 5,000/- (inclusive of applicable taxes). |
Bounce charge | In case of default of repayment instrument, Rs. 500/- per bounce will be levied. |
Penal interest | Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.5% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment. |
Mandate registration charge | Rs. 118/- (inclusive of applicable taxes) if applicable. Applicable for the banks below - Bank of Maharashtra, Development Credit Bank Ltd., IDFC Bank, Karnataka Bank Ltd., Punjab and Sind Bank, Rajkot Nagarik Sahakari Bank Ltd., Tamilnad Mercantile Bank Ltd., UCO Bank, Indian Overseas Bank, United Bank of India, Bank of India |
Mandate rejection charge | Rs. 450/- per month from the first instalment due date for mandates rejected by customers bank until the new mandate is registered. |
Loan enhancement fee | Rs. 117/- (inclusive of applicable taxes) for temporary increase in EMI card limit for the loan transaction. Same will be charged only for increase in limit in excess of Rs. 999/- to be collected along with 01st instalment. |
Convenience fee | Rs. 117/- (inclusive of applicable taxes) will be collected along with 01st instalment |
Cash repayment charges | Rs. 499/- (inclusive of applicable taxes plus cess) Applicable when mode of repayment of monthly instalment dues is Cash |
Transaction fee** | Rs. 147/- (inclusive of applicable taxes) will be collected along with 01st instalment. **"Transaction fees" refers to sum payable by customer (i) who does not hold valid EMI card; (ii) to whom the loan is facilitated; and (iii) at the time of making payment of first EMI/upfront payment as part of loan transaction |
Full prepayment |
NIL |
Part-prepayment |
NIL |
Fees and Charges of Bajaj Finserv DBS Bank 5X Rewards SuperCard
FEES AND CHARGES | |
Type of fee | Fees (in Rs.) |
Joining fee | Rs. 499 + GST |
Renewal fee | Rs. 499 + GST |
Reward redemption fee | Rs. 99 + GST per redemption |
Cash advance fee | 2.5% of the cash amount (minimum Rs. 500) |
Late payment fee | • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) |
Over limit fee | Rs. 600 + GST |
Finance charges | Up to 4% per month or 48% per annum |
EMI conversion processing fee | 2% of the conversion amount. Subject to a minimum of Rs. 249 |
Fees and Charges of Bajaj Finserv DBS Bank 5X Plus Rewards SuperCard
FEES AND CHARGES | |
Type of fee | Fees (in Rs.) |
Joining fee | Rs. 999 + GST |
Renewal fee | Rs. 999 + GST |
Reward redemption fee | Rs. 99 + GST per redemption |
Cash advance fee | 2.5% of the cash amount (minimum Rs. 500) |
Late payment fee | • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) |
Over limit fee | Rs. 600 + GST |
Finance charges | Up to 4% per month or 48% per annum |
EMI conversion processing fee | 2% of the conversion amount. Subject to a minimum of Rs. 249 |
Fees and Charges of Bajaj Finserv DBS Bank 5X Rewards First-Year-Free
FEES AND CHARGES | |
Type of fee | Fees (in Rs.) |
Joining fee | NIL |
Renewal fee | Rs. 499 + GST |
Reward redemption fee | Rs. 99 + GST (per redemption) |
Cash advance fee | 2.5% of the cash amount (minimum Rs. 500) |
Late payment fee | • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) |
Over limit fee | Rs. 600 + GST |
Finance charges | Up to 4% per month or 48% per annum |
EMI conversion processing fee | 2% of the conversion amount. Subject to a minimum of Rs. 249 |
Fees and Charges of Bajaj Finserv DBS Bank 5X Plus Rewards First-Year-Free
FEES AND CHARGES | |
Type of fee | Fees (Rs.) |
Joining fee | Nil |
Renewal fee | Rs. 999 + GST |
Reward redemption fee | Rs. 99 + GST per redemption |
Cash advance fee | 2.5% of the cash amount (minimum Rs. 500) |
Late payment fee | • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) |
Over limit fee | Rs. 600 + GST |
Finance charges | Up to 4% per month or 48% per annum |
EMI conversion processing fee | 2% of the conversion amount. Subject to a minimum of Rs. 249 |
Fees and Charges of Bajaj Finserv DBS Bank 7X Rewards SuperCard
FEES AND CHARGES | |
Type of fee | Fees (in Rs.) |
Joining fee | Rs. 1,499 + GST |
Renewal fee | Rs. 1,499 + GST |
Reward redemption fee | Rs. 99 + GST per redemption |
Cash advance fee | 2.5% of the cash amount (minimum Rs. 500) |
Late payment fee | • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) |
Over limit fee | Rs. 600 + GST |
Finance charges | Up to 4% per month or 48% per annum |
EMI conversion processing fee | 2% of the conversion amount. Subject to a minimum of Rs. 249 |
Fees and Charges of Bajaj Finserv DBS Bank 7X Plus Rewards SuperCard
FEES AND CHARGES | |
Type of fee | Fees (in Rs.) |
Joining fee | Rs. 1,999 + GST |
Renewal fee | Rs. 1,999 + GST |
Reward redemption fee | Rs. 99 + GST per redemption |
Cash advance fee | 2.5% of the cash amount (minimum Rs. 500) |
Late payment fee | • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) |
Over limit fee | Rs. 600 + GST |
Finance charges | Up to 4% per month or 48% per annum |
EMI conversion processing fee | 2% of the conversion amount. Subject to a minimum of Rs. 249 |
Fees and Charges of Bajaj Finserv DBS Bank 10X Signature SuperCard
FEES AND CHARGES | |
Type of fee | Fees (in Rs.) |
Joining fee | Rs. 2,999 + GST |
Renewal fee | Rs. 2,999 + GST |
Reward redemption fee | Rs. 99 + GST per redemption |
Cash advance fee | 2.5% of the cash amount (minimum Rs. 500) |
Late payment fee | • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) |
Over limit fee | Rs. 600 + GST |
Finance charges | Up to 4% per month or 48% per annum |
EMI conversion processing fee | 2% of the conversion amount. Subject to a minimum of Rs. 249 |
Fees and Charges of Bajaj Finserv DBS Bank 10X Plus Signature SuperCard
FEES AND CHARGES | |
Type of fee | Fees (in Rs.) |
Joining fee | Rs. 4,999 + GST |
Renewal fee | Rs. 4,999 + GST |
Reward redemption fee | Rs. 99 + GST per redemption |
Cash advance fee | 2.5% of the cash amount (minimum Rs. 500) |
Late payment fee | • No charge for the amount due up to Rs. 100 • Rs. 99 for the total due amount greater than Rs. 100 and up to Rs. 500 • Rs. 499 for the total due amount greater than Rs. 500 and up to Rs. 5,000 • 10% of the total due amount greater than Rs. 5,000 (maximum Rs. 1,299) |
Over limit fee | Rs. 600 + GST |
Finance charges | Up to 4% per month or 48% per annum |
EMI conversion processing fee | 2% of the conversion amount. Subject to a minimum of Rs. 249 |