Features and benefits of the Bajaj Finserv RBL Bank Credit Card
-
Easy EMI conversion
Convert your purchases of Rs. 2,500 and above into easy EMIs.
-
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
No interest on cash withdrawals for up to 50 days.
-
5% cashback
Get 5% cashback on down payment at any Bajaj Finserv partner store.
-
Pay with points
Redeem your reward points to pay the down payment on the EMI Network.
-
Shop more, save more
Up to Rs. 55,000+ annual savings when you shop with the SuperCard.
-
Airport lounge access
Get up to eight complimentary airport lounge access in a year.
-
Free movie tickets
Get 1+1 movie tickets on BookMyShow with the SuperCard.
Bajaj Finserv, 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.
This SuperCard is a credit, debit, loan and EMI card -- all rolled into one. Apply for this credit card online and avail of several industry-first benefits.
*The loan is provided by RBL Bank as per their discretion and is subject to its policies.
Eligibility criteria
-
Nationality
Indian
-
Age
21 to 70 years
-
Employment
Must have a regular source of income
-
Credit score
720 or higher
What are the eligibility criteria for getting a credit card?
Bajaj Finserv has easy-to-meet eligibility criteria to apply for a credit card. These include:
- Age should be between 21 to 70 years
- You must have a regular source of income
- Creditworthiness, with a minimum CIBIL Score of 720 or higher and no past records of default
- A residential address that must fall within the SuperCard live locations in the country
- Applicant must also be an existing Bajaj Finserv customer and Bajaj Finserv EMI Network cardholder
How to use a credit card?
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%. 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 Finserv
The Bajaj Finserv RBL Bank SuperCard comes in 16 different variants, but each card has different eligibility criteria, benefits, fees and charges. Here's a list of the different types of credit cards offered by Bajaj Finserv include:
What documents are needed to apply for a credit card?
You don't have to submit any physical documents to apply for the Bajaj Finserv RBL Bank SuperCard. You only need to share your PAN card number and Aadhaar card number to complete the application process.
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 Click here and enter your mobile number
- 2 Submit the OTP received and check if you have a Bajaj Finserv RBL Bank credit card offer
- 3 If you have an offer, avail of your credit card offers
- 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.
Frequently asked questions
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.
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. Having a steady source of income and a credit score of 720 or above 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.
You should have a credit score of 720 or higher to get a credit card.
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.
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 minimum credit score of 720. 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.
