Features and benefits of our Platinum Choice SuperCard - First-Year-Free
All you need to know about our credit card
Watch this video to know everything about our SuperCard – features and benefits, fees, and charges.
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No joining fee
This SuperCard is completely free for the first year. You do not have to pay any joining fee to use this credit card.
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2X rewards on online spends*
Purchase apparel, clothing, food, gadgets, and more online and get 2 reward points for every Rs. 100 spent.
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Annual fee waiver
Get your annual fee waived off when you spend a minimum of Rs. 50,000 in a year using this card.
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Offer on movie tickets
Get a 10% discount on movie tickets of up to Rs. 100 on BookMyShow every month.
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Fuel surcharge waiver
Get the surcharge on fuel waived off for up to Rs. 1,200 in a year at any fuel station across India.
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Rewards on regular spends*
Use this SuperCard for your everyday shopping needs and earn 1 reward point on every Rs. 100 spent.
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Annual savings
Combine all the rewards and discounts offered by this card and save over Rs. 3,275 annually.
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Interest-free cash withdrawal*
You can use this card to withdraw cash from any ATM across India without paying any interest for up to 50 days.
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5% cashback on down payment
Get 5% cashback on down payments made at any of our network partner stores across 4,000+ large and small cities.
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Easy EMI conversion
You can convert all your purchases above Rs. 2,500 into affordable EMIs and pay conveniently.
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Emergency cash advance*
Convert your available cash limit into a personal loan for up to 3 months at a nominal interest rate of 1.16% and zero processing fee.
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The Bajaj Finserv RBL Bank Platinum Choice SuperCard - First-Year-Free, comes with no joining fee. Benefits like offers on movie tickets, fuel surcharge waiver, an emergency personal loan, interest-free ATM cash withdrawals, and hassle-free EMI conversion are just a few of the many benefits that come with this credit card.
You can earn reward points with every offline or online purchase and can collect a milestone bonus too. These points can be redeemed for offers and deals on various products like apparel, gadgets, appliances, vouchers, and more.
*2X rewards are available on all online spends, except for spends on education, insurance, rent payments, fuel, wallet load, and utilities (including Bills2Pay).
*Reward points are available on all spends, except for spends on education, insurance, rent payments, fuel, wallet load, and utilities (including Bills2Pay).
*A flat processing fee of 2.5% is applicable. A minimum processing fee of Rs. 500 is charged.
*This loan is provided by RBL Bank at their discretion and is subject to its policies.
Still haven’t found what you are looking for? Click on any of the links at the top of this page.
Eligibility criteria and documents
Anyone can get the Bajaj Finserv RBL Bank Platinum Choice SuperCard - First-Year-Free, as long as they meet the basic eligibility criteria mentioned below. If you meet all basic criteria, you will need a set of documents to complete your application process.
Eligibility criteria
- Nationality: Indian
- Age: 21 years to 70 years
- Credit score: 720 or higher
- Employment: Must have a regular source of income
- Existing relationship: You should be an existing Bajaj Finserv customer and own the Bajaj Finserv Insta EMI Card
Details required
- PAN card number
- Aadhaar card number
It is essential to have your residential address in a location that is serviceable by RBL Bank and Bajaj Finserv to get the Bajaj Finserv RBL Bank Platinum Choice SuperCard - First-Year-Free.
About RBL Bank
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Applicable fees and charges
The following are the fees and charges for the Bajaj Finserv RBL Bank Platinum Choice SuperCard - First-Year-Free:
| Type of fee | Applicable charges |
Joining fee |
NIL |
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^ |
1.00% + 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. T&C apply |
Cash advance transaction fee |
2.5% of the amount (minimum Rs. 500 + GST) of the cash amount |
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 |
Goods and Services Tax |
A standard rate of 18% |
Merchant EMI transaction* |
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 |
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.
*Late payment charges
| Late payment fee | |
| 12.5% of the outstanding Amount | |
| Minimum Rs. 5 | Maximum Rs. 1,300 |
*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.
Pre-approved offers for new customers
Both our new and existing customers can choose from various pre-approved offers. All we need is your mobile number to check.
If you have a pre-approved offer, you do not have to go through the complete application procedure. Consider it our green channel.
You might not require a credit card right now or you may not have a pre-approved offer. You can still pick from a variety of our products:
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Convert your medical bills into easy EMIs
Convert your healthcare bills for 1,000+ treatments across 1,700+ hospitals into easy EMIs with the Health EMI Network Card.
Check your Health EMI Network Card limit -
1 million+ products on No Cost EMIs
Shop for electronics, gadgets, home appliances, and more and split the bill into No Cost EMIs with the Insta EMI Card. Use this card across 1.5 lakh partner stores in 4,000+ cities.
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Check your credit score
Some of the most crucial factors for you are your credit health and CIBIL Score. Get our Credit Health Report to keep your credit in tip-top shape.
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Insurance in your pocket to cover every life event
In order to cover all of your life's events, including trekking, monsoon-related illnesses, car key loss/ damage, and more, we offer more than 400 insurance covers starting at just Rs. 19.
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Start an SIP with just Rs. 100 per month
Pick from over 900 mutual funds across 40+ companies, such as SBI, HDFC, ICICI Prudential Mutual Fund, Aditya Birla, and more.
Discover Investment Mall -
Create a Bajaj Pay Wallet
The only four-in-one wallet in India that allows you to pay or transfer money using your digital wallet, a credit card, and UPI.
Download Bajaj Pay
Frequently asked questions
The Platinum Choice SuperCard - First-Year-Free is a unique credit card offered by Bajaj Finserv and RBL Bank. It is one of the nineteen variants of the Bajaj Finserv RBL Bank SuperCard and has no joining fee. This credit card has an annual fee of Rs. 499 + GST, however, it can be waived off if you spend a minimum of Rs. 50,000 in a year.
This SuperCard offers plenty of benefits, such as 2X reward points on all online spends. Additionally, you can get 10% off on purchase of movie tickets from BookMyShow. This card also helps you save up to Rs. 1,200 on fuel surcharge in a year.
The annual fee for this card is Rs. 499 + GST. However, it can be waived off if you spend a minimum of Rs. 50,000 in a year.
The card is absolutely free for the first year and has no joining fee.
No, there are no welcome reward points offered with this SuperCard. Welcome reward points are only available when you pay the joining fee and use the card within 30 days of issuance.
You can get a loan against a credit card* by converting your available cash limit into a personal loan by contacting our 24*7 helpline at 022 711 90900. This amount has to be repaid in 3 instalments, and this facility can be availed once per year.
*The loan is provided by RBL Bank as per their discretion and is subject to its policies.