Credit Card - Apply for Bajaj Finserv RBL Bank Credit Cards Online

A credit card statement is issued by the bank or the credit card company at the end of the billing cycle. It presents a summary of all the transactions you have made during the billing period. The credit card statement mentions the amount you owe to the bank, the minimum amount due and the due date.

The advantages of using a credit card are as follows:

• You can purchase high-end products on credit, which means you do not need to postpone your plans due to the lack of funds. The Bajaj Finserv RBL Bank SuperCard even converts bills exceeding Rs. 2,500 into easily payable monthly instalments.
• Many credit cards offer a waiver on fuel surcharge, along with complimentary airport lounge access and other perks.
• Redeemable reward points help you earn other rewards like gift vouchers, free movie tickets etc.
• Credit cards offer lucrative discounts on a variety of purchases. Thus, they help you in saving significantly.
  

You can learn about your eligibility by going through the eligibility criteria on the Bajaj Finserv website. You must be an adult (18 years of age) to apply for a credit card and not more than 70 years old. However, the Bajaj Finserv RBL Bank SuperCard is only issued to those between the ages of 21 to 70 years. Meeting the bank’s income and credit score criteria are essential requirements too.

A credit card balance is the total amount of money you owe to the credit card company. It is mentioned in the credit card statement. You need to repay this amount on or before the due date to avoid any penalty.

When you use a debit card, you withdraw money from your bank account, as opposed to a credit card, where the issuer pays the amount on your behalf. You essentially take a loan from the credit card company, which must be repaid on or before the due date. If you fail to clear the dues, you are changed interest on the outstanding amount.

Yes, you can use your credit card at an ATM. However, such transactions come with the baggage of high fees and interest rates. That said, the Bajaj Finserv RBL Bank SuperCard allows you to withdraw cash from any ATM interest-free for up to 50 days*.

*A processing fee of 2.5% or Rs. 500 (whichever is higher, is applicable) + GST.

You need to consider the below-mentioned factors while applying for a credit card for the first time:

• Ensure that you have a steady source of income. If your income fluctuates, consider applying for a secured credit card.
• Ensure that you have a good credit score. A poor credit history will reduce your chances of getting an approval.
  
• Understand your financial requirements and choose a credit card accordingly. For instance, if you are a frequent traveller, be it business or pleasure, you can apply for a travel credit card.

A credit card allows you to buy any product of your choice on credit. However, you much repay the issuer after a stipulated period.

Credit cards are financial instruments that can come in handy during a cash crunch.

You need to fulfil the income eligibility criteria to get approved for a credit card. However, if you are a student without an income source, you can apply for a student credit card.

A credit card number is a unique 16-digit number exclusive to every credit card. The first digit helps in identifying the credit card company. For example, VISA credit cards begin with the number "4", while MasterCard's start with the digit "5". Similarly, Discover credit cards start with the number "6". Second to sixth-placed digits help in identifying the bank. The 7th to 15th digits signify the cardholder's account number. The last remaining number is termed as the check digit. It is automatically generated based on the remaining numbers. The check digit helps in eliminating any errors.

Every credit card contains some digits, typically a 16 digit numeric number, unique to each card. A credit card number is essential to complete any transaction. It helps in authenticating a cardholder.

Each Bajaj Finserv RBL Bank SuperCard comes with a different annual fee. You can check the annual fee of your SuperCard under the fees and charges section. You can also check the annual fee for the card variant you are interested in here.

A few variants like World Prime SuperCard, World Plus and Value Plus SuperCard offer an international transaction facility.

Most of our credit cards either come with a no joining fee benefit or an annual fee waiver. Here is a list of our credit cards that offer the annual fee waiver and first year free benefit:

Credit cards with no joining fee-

• Platinum Plus SuperCard – First-Year-Free
• Binge SuperCard – First-Year-Free
• Platinum Choice SuperCard – First-Year-Free

Credit cards with an annual fee waiver-

• Binge SuperCard
• Platinum Choice SuperCard
• Platinum Plus SuperCard
• Platinum Shop Daily
• Platinum Edge SuperCard
• Freedom SuperCard
• World Plus SuperCard

Each Bajaj Finserv RBL Bank Credit Card has a different renewal fee. However, this renewal fee will be waived off if you spend a minimum pre-defined amount using your credit card.

All 16 Bajaj Finserv RBL Bank Credit Cards variants have a touch and pay facility which can be availed at any store/ outlet across India.

It is not possible to cross your credit limit as you won’t be able to use your card beyond an assigned limit.

In case you lose your card of if your credit card is stolen, you should immediately report this to the RBL Bank. You can contact RBL Bank's customer care executives at +91 22 71190900 or write at supercardservice@rblbank.com.