CA SuperCard: Features & benefits
Bajaj Finserv and RBL Bank present a first-of-its-kind credit card customised for chartered accountants, known as the SuperCard for Chartered Accountants. This exclusive CA credit card offers features that suit your professional and personal spending habits perfectly. It is a 4-in-1 credit card that offers savings of over Rs.17,000 per annum.
A particularly notable aspect of this credit card for chartered accountants is that you get instant approval on your application, so you can meet big and small needs in a jiffy.
Take a look at all the features that make this chartered accountant credit card one of the best in India.
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ICAI membership fee waiver of up to Rs.3,000
Make annual spends of Rs.1.5 lakh and enjoy ICAI membership fee waiver. You get Rs.3,000 fee reversal for FCA and Rs.1,500 as a reversal for ACA.
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Nil joining fees and a pocket-friendly annual fee
Signing up for this chartered accountant credit card is absolutely free, and you only have to pay an annual fee of Rs.999+ taxes thereafter. Once you spend Rs.1 lakh in a year, you also qualify for a waiver on the next year’s annual fee.
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Fuel surcharge waiver
Use this CA credit card to refuel your vehicle and enjoy a fuel surcharge waiver of up to Rs.100 per month.
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Interest-free loan for 90 days
Tackle a cash crunch or tend to emergencies with ease using this credit card for chartered accountants. Avail an interest-free loan for up to 90 days at a nominal processing fee of just 2.5%.
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Interest-free cash withdrawal
Withdraw cash from any ATM in India on an interest-free basis for up to 50 days.
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Extensive rewards
Earn reward points for every transaction made using the CA SuperCard and use points to shop or make down payments on the Bajaj Finserv EMI Network. Earn 1 reward point when you spend Rs.100 at a store, 2X reward points on all online spends, except* for online purchases made on Education, Insurance, Utilities (including Bills2Pay) and Wallet load and 10 reward points for every Rs.100 you spend on dining.
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Complimentary airport lounge access
Gain free access to Mastercard domestic airport lounges 4 times a year.
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Robust security features
Protect your finances with the InHand and InControl security feature. These allow you to control your CA SuperCard through a smartphone app.
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Get 1+1 free movie tickets on BookMyShow
Once a month, get a 1+1 free movie ticket (up to Rs.200) when you book tickets through BookMyShow.
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Enjoy gift vouchers worth Rs.1,000
Spend Rs.4 lakh and earn an assured gift voucher worth Rs.1,000 for every subsequent Rs.1 lakh spent.
Fees and charges
| Types of fees | Charges applicable |
|---|---|
| Joining fee | Rs. 499+GST |
| Annual fee | Rs. 499+GST |
| Add-on card fees | NIL |
| Foreign currency transaction** | 3.5%+GST |
| Cash payment at branches | Rs. 250+GST cash deposit transaction done at RBL branch and Bajaj Finserv branch. |
| Surcharge on purchase/cancellation of railway tickets | IRCTC Service charges * + Payment Gateway. Transaction charge [Upto 1.8%+GST of (ticket amount +IRCTC service charge). |
| Fuel transaction charge - for transaction made at petrol pumps to purchase fuel^ | 1% +GSTSurcharge 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 SuperCards w.e.f. June 01, 2019. T&C Apply |
| Cash advance transaction fee | 2.5 % of the amount (min Rs.500+GST) of the cash amount *effective July’20 |
| Overdue interest on extended credit | Upto 3.99% +GST per month or 47.88%+GST per annum |
| Overdue interest on secured credit cards | 2.5% +GST per month or 30%+GST per annum |
| Overdue penalty/late payment | Fee 15% +GST of Total amount due (Min. = 50 Max. = 1250) *effective July’20 |
| 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 | 2.5%+GST (min Rs. 300+GST) of the draft amount |
| Card replacement (Lost/stolen/reissue/any other replacement) | Rs. 200+GST |
| Duplicate statement fee | Rs. 100+GST |
| 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 |
All the above charges are subject to change under various marketing programs. The cardmember will be informed about these changes.
^ The surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4000. 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 IRCTC website for details
** Transactions at merchant establishments that are registered overseas even if the merchant is located in India attract a cross border charge
CA SuperCard - Frequently asked questions
Why is the card known as the SuperCard?
The card is known as SuperCard because of the super features available in it. This one-of-its-kind card in the industry not only takes care of your daily/monthly credit needs, but also helps you in emergency cash requirements, EMI finance options*, discounts/cashbacks on various categories, and many other offerings.
How is SuperCard different from any other credit card in the industry?
SuperCard not only comes with the regular features offered by credit cards but also offers features like:
– Emergency loan at 0% interest up to 3 months
– Cash withdrawal at 0% interest up to 50 days
– Best security features through in-hand security
– Instant approval/rejection on the application form
– Attractive discounts and no cost EMI options on Bajaj Finserv Limited network*
If a card-member does not achieve spend based milestone will he be eligible for ICAI fee reversal?
No, card-member needs to achieve spend based milestone of Rs. 1,50,000 to get ICAI fee reversal.
ATM cash withdrawals on credit cards are very expensive, how can SuperCard help?
In times of an emergency, other bank credit cards offer cash withdrawals with a lot of fee and interest. With SuperCard, you can easily withdraw cash from ATM for up to 50 days at 0% finance charges and a flat 2.5% processing fee. The amount that you can withdraw will be dependent on bank policies.
In a regular credit card the credit limit can be used for merchant transactions, how is SuperCard different?
SuperCard offers a unique feature, where in-case of urgent cash requirement/cash crunch, you can request for an emergency loan by converting your cash limit into loan up to 3 months at 0% interest, and only flat 2.5% processing fee. You can avail loan under this offer once a year and the amount that you can convert is dependent on bank policies. You have to return the amount in 3 equal monthly instalments.
How safe is my SuperCard from online fraud?
SuperCard comes with a feature called ‘InControl’, where the security of your SuperCard will be in your control. You can control the use of your card through the mobile app too.
What kind of exclusive offers will I get on SuperCard?
You will receive super benefits at Bajaj Finserv Limited partners like no cost EMI option* on all your purchases.
Can a SuperCard member use this card to purchase CNG and diesel at stations?
Yes, a SuperCard member can use this card to purchase CNG and diesel at stations.
Are there any reward points on regular or online spends?
No, there is no rewards program for this card.
What are the additional benefits on this card?
Cardmembers get a welcome gift voucher worth Rs. 500 redeemable on brands like Flipkart, Spencer's Retail, MakeMyTrip, Amazon, Bata, Shoppers Stop, Myntra, Pizza Hut, BookMyShow, Pantaloons. Additional fuel surcharge waiver of up to Rs. 100 per month along with the industry 1st features.
Where can cardmembers use this card for fuel purchases?
Cardmembers can use this card on all fuel pumps across India.
