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.

  • No joining fee

    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.

  • 2X rewards on online spends*

    2X rewards on online spends*

    Purchase apparel, clothing, food, gadgets, and more online and get 2 reward points for every Rs. 100 spent.

  • Annual fee waiver

    Annual fee waiver

    Get your annual fee waived off when you spend a minimum of Rs. 50,000 in a year using this card.

  • Offer on movie tickets

    Offer on movie tickets

    Get a 10% discount on movie tickets of up to Rs. 100 on BookMyShow every month.

  • Fuel surcharge waiver

    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.

  • Rewards on regular spends*

    Rewards on regular spends*

    Use this SuperCard for your everyday shopping needs and earn 1 reward point on every Rs. 100 spent.

  • Annual savings

    Annual savings

    Combine all the rewards and discounts offered by this card and save over Rs. 3,275 annually.

  • Interest-free cash withdrawal*

    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.

  • 5% cashback on down payment

    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.

  • Easy EMI conversion

    Easy EMI conversion

    You can convert all your purchases above Rs. 2,500 into affordable EMIs and pay conveniently.

  • Emergency cash advance*

    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.

  • 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.

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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.

RBL Bank

About RBL Bank

The RBL Bank offers specialised services under six business verticals namely: Corporate and Institutional Banking, Commercial Banking, Branch and Business Banking, Retail Assets and Treasury, and Financial Markets Operations.

In March 2019, the SuperCard successfully catered to 1 million customers across the country. Out of these, 40% were first-time credit cardholders, making this a giant leap towards financial inclusion in India.

Our collaboration with RBL Bank has resulted in 16 different variants of the SuperCard, each with a unique proposition that caters to a large and diverse customer base in India.

How to apply for the Bajaj Finserv RBL Bank Platinum Choice SuperCard – First-Year-Free

Step-by-step guide to applying for the Bajaj Finserv RBL Bank SuperCard

  1. Enter your 10-digit mobile number and click on ‘APPLY’.
  2. Verify the OTP sent to your phone.
  3. Fill in the application form with your basic details such as your gender, full name, PAN, date of birth, residential address, and email ID.
  4. If you have an offer, your credit limit will be displayed on the screen.
  5. Click on ‘GET IT NOW’ and enter your mother’s name, father’s name, and residential address.
  6. Now click on ‘PROCEED’ and enter the OTP sent to your phone to validate the application.
  7. Select ‘YES’ for E-KYC and click on ‘PROCEED’.
  8. After your application is successfully submitted, you will be redirected to the RBL Bank’s website for further verification and approval.

After your KYC verification, your card will be sent to your residential address within 5 to 7 working days.

Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.

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.

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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:

  • Convert your medical bills into easy EMIs

    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

    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.

    Check your pre-approved card limit

  • Check your credit score

    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.

    Check your CIBIL Score for free

  • Insurance in your pocket to cover every life event

    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.

    Discover Insurance Mall

  • Start an SIP with just Rs. 100 per month

    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

    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

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Frequently asked questions

What is the Platinum Choice SuperCard - First-Year-Free?

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.

What is the annual fee for this card?

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.

Is there a joining fee on the card?

The card is absolutely free for the first year and has no joining fee.

Will I get any welcome rewards with this SuperCard?

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.

How can I convert my cash limit into a loan?

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.

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