Features and benefits of the Bajaj Finserv RBL Bank Credit Cards

  • Easy EMI conversion

    Easy EMI conversion

    Convert your purchases of Rs. 2,500 and above into easy EMIs.

  • Emergency advance*

    Emergency advance*

    Convert your available cash limit into a personal loan for 3 months with zero processing fee and an interest rate of 1.16% per month.

  • Interest-free cash withdrawal*

    Interest-free cash withdrawal*

    No interest on cash withdrawals for up to 50 days.

  • 5% cashback

    5% cashback

    Get 5% cashback on down payment at any Bajaj Finserv partner store.

  • Pay with points

    Pay with points

    Redeem your reward points to pay the down payment on the EMI Network.

  • Shop more, save more

    Shop more, save more

    Up to Rs. 55,000+ annual savings when you shop with the SuperCard.

  • Airport lounge access

    Airport lounge access

    Get up to eight complimentary airport lounge access in a year.

  • Offers on movie tickets

    Offers on movie tickets

    Get 1+1 movie tickets on BookMyShow with the SuperCard.

Bajaj Finance Ltd., in collaboration with RBL Bank, brings you the Bajaj Finserv RBL Bank SuperCard. From paying utility bills to buying home appliances and more, this instant credit card helps you easily cover all your daily expenses.

Credit Cards give you access to make your payments for various expenses. The Bajaj Finserv RBL Bank Credit cards come with a power of 4 cards-in-1. You can use the card as a loan card, EMI card, cash card, and credit card. In addition to these industry-first features, you also get exclusive benefits such as cashback and rewards on all your spending, complimentary airport lounge access, online and offline shopping, offers on movie tickets, bill payments, purchasing expensive gadgets, and much more.

Read More Read Less

Credit card eligibility criteria

  • Nationality



  • Age


    21 to 70 years

  • Employment


    At bank’s discretion

  • Credit score

    Credit score

    At bank’s discretion

What are the eligibility criteria for getting a credit card?

Our partner bank has easy-to-meet eligibility criteria to apply for a credit card. These include:

  • Age should be within 21 to 70 years
  • Nationality should be Indian
  • Applicant must fulfil the income and credit score criteria set by the bank

How to use a credit card?

You can use the Bajaj Finserv RBL Bank Credit Card in numerous ways, including purchasing any good or service on credit. Also, if your bill exceeds Rs. 2,500, you get to convert it into easy, affordable monthly instalments (EMIs).

Using the credit card will also earn you reward points that you can redeem in future. You can also use this credit card to avail a personal loan for up to 90 days at a nominal interest rate of 1.16%* per month. Other than this, you can use it to withdraw interest-free cash from any ATM for up to 50 days*.

Different types of credit cards offered by Bajaj Finance Ltd.

The Bajaj Finserv RBL Bank SuperCard comes in 16 different variants, but each card has different eligibility criteria, benefits, fees, and charges.

What documents are needed to apply for the Bajaj Finserv RBL Bank Credit Cards?

You don't have to submit any physical documents to apply for the Bajaj Finserv RBL Bank Credit Card. You only need to share your PAN card and Aadhaar card number to complete the application process.​

Read More Read Less

How to apply for a credit card online?

Applying for a credit card is quick and easy. To obtain a credit card, apply online in a few simple steps.

  1. 1 Click here and enter your mobile number
  2. 2 Submit the OTP received and check if you have a Bajaj Finserv RBL Bank credit card offer
  3. 3 If you have an offer, avail of your credit card offers
  4. 4 Get a call from our representative

Fees and charges

There are 16 SuperCard variants, and each card has a different set of fee and charges.

To get the complete information about the fees and charges applicable on the credit card, click here.

There are several benefits of using a credit card. You can utilise a credit card to make transactions within the pre-determined or preset credit limit and repay the amount within the interest-free period without incurring additional charges.

However, you also have to be mindful of the credit card interest rates and penalty charges you will face if you do not pay your credit card dues on time. If you miss the payment due date, you will incur additional interest on your credit card bill. The best credit cards in India come with minimal interest charges.

Terms and conditions apply

Here are the fees and charges applicable to the Bajaj Finserv RBL Bank SuperCard:

Joining fee

Rs. 499 + GST

Annual fee

Rs. 499 + GST

Add-on card fees


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 of Rs. 10 + GST, whichever is higher

Fuel surcharge will depend on the merchant and 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.

T&C apply

Cash advance transaction fee

2.5% of the cash withdrawn amount or Rs. 500 + GST (whichever is higher, is applicable)

Over-limit penalty ^^

Rs. 600+ GST

(w.e.f Oct 9, 2023) Higher of 2.5% of overlimit amount or Rs. 500 + 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)


Duplicate statement fee


Cheque return/dishonour fee auto debit reversal-bank account out of funds

Rs. 500 + GST

Dynamic Currency Conversion Fee Markup +

3.5% of the transaction amount + GST

Merchant EMI transaction***

Rs. Rs. 199 + GST per merchant EMI transaction

Rental transactions

1% fee on the transaction amount will be levied on all rental transactions done on any applicable merchant

Late payment charges

Late payment fee

12.5% of the outstanding amount

Minimum Rs. 5

Maximum Rs. 1,300

  • 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. Maximum waiver is Rs. 100.
  • ***The charges are applicable per merchant EMI transaction, i.e. EMI conversion done at the time of transaction through credit card at merchant outlet/website/app.
  • EMI transactions will not accrue base reward points.
  • ^^ Here “Overlimit Amount” is the difference between the Overlimit outstanding amount and the assigned credit limit (Only If OVL consent is provided in MyCard. There will be no upper limit capping.
  • + Dynamic currency conversion fee will be applicable for each international transaction performed in Indian currency at an international location or transactions performed in Indian currency with merchants located in India but registered overseas.
Read More Read Less

Things to know before applying for a credit card

Before applying for a credit card, there are several key points to consider to make an informed decision and manage your finances responsibly:

  • Credit score awareness: Understand your current credit score and how it might affect your eligibility for different credit cards. A higher credit score usually leads to better card options and favourable terms.

  • Interest rates and fees: Compare annual percentage rates (APRs) to gauge the cost of borrowing. Be aware of annual fees, late payment charges, and other potential fees associated with the card.

  • Credit limit: Consider the credit limit you are offered. A higher limit can be beneficial but also requires responsible spending to avoid accruing high levels of debt.

  • Rewards and benefits: Understand the rewards, cashback, or perks the card offers. Choose benefits that align with your lifestyle, such as travel rewards if you frequently fly or cashback on everyday purchases.

  • Introductory offers: Many cards come with introductory 0% APR periods or bonus rewards. Be aware of the duration of these offers and what changes after they expire.

  • Payment obligations: Comprehend the minimum payment requirement and the importance of paying the full balance to avoid high interest charges and debt accumulation.

  • Credit utilisation: Recognise that using a large portion of your available credit limit can negatively impact your credit score. Aim to keep your credit utilization below 30%.

  • Impact on credit score: Applying for a credit card leads to a hard inquiry on your credit report, which can slightly lower your score temporarily. Avoid multiple applications within a short period.

Taking these factors into account before applying for a credit card can help you choose the right card, manage your finances wisely, and build a positive credit history.

Frequently asked questions

What is a credit card and how does it work?

A credit card is a payment card that allows you to take credit from a financial institution and use it to make purchases. Your card provider assigns a credit limit to you based on your profile and other factors. Throughout the month you can use your credit card to make purchases using the credit limit.

Upon completion of the monthly billing cycle, you will receive a credit card statement with the due amount, which is the cumulative amount of all your transactions done in that month. You can now pay the full due amount without any interest or pay a certain minimum due amount and convert your credit card bill into EMIs.

What is a credit card statement?

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.

What are the benefits of a credit card?

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.
How do you know if you're eligible for a credit card?

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.

What is a credit card balance?

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.

What's the difference between a credit card and a debit card?

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.

Can we use a credit card at an ATM?

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.

How do I choose a credit card for the first time?

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.
What is the use of a 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.

Can you get a credit card with no money?

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.

What is an example of a credit card number?

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.

Where is the card number on a credit card?

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.

Where can I check the annual fees of my credit card?

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.

Can I use my credit card for international transactions?

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

Is The Bajaj Finserv RBL Bank SuperCard offered for free?

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
Is there a renewal fee for my credit card?

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.

Where can I use my contactless 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.

What if I cross the credit limit on my credit card?

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

What should I do in case my credit card is lost or stolen?

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.

Read More Read Less