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- Platinum Choice SuperCard
- Platinum Choice First Year Free SuperCard
- Platinum Plus SuperCard
- Platinum Plus First Year Free SuperCard
- Platinum ShopDaily SuperCard
- Platinum Edge SuperCard
- Freedom SuperCard
- World Prime SuperCard
- World Plus SuperCard
- Doctor’s SuperCard
- Shop Smart SuperCard
- Travel Easy SuperCard
- Value Plus SuperCard
- CA SuperCard
- Platinum LifeEasy SuperCard
- Platinum ShopGain SuperCard
- Platinum Advantage SuperCard
Shop Smart SuperCard: Features & benefits
The Bajaj Finserv Shop Smart SuperCard is loaded with features to meet all your daily and monthly credit needs. It’s a perfect addition for avid shoppers, especially considering its range of benefits. For instance, as part of the welcome kit, you get cashback worth Rs. 500 by simply paying the joining fee and shopping worth Rs. 2,000 in the first 30 days of card issuance.
What’s more, this SuperCard can also lend itself to your other financial needs. If you are facing a cash crunch, you can get an emergency advance or withdraw interest-free cash from ATMs.
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Welcome gift
Get cashback worth Rs. 500, usable at various retail brands.
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Spending bonuses
For every lakh you spend in a year, get cashback worth Rs. 1,000.
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Cashback on groceries
Enjoy 5% cashback on grocery expenses, up to Rs. 250 per month.
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Huge savings
Save over Rs. 5,000 in a year with this SuperCard.
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Interest-free cash withdrawal
Withdraw cash and pay no additional interest for up to 50 days.
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Emergency loan
Get a loan against your cash limit at a nominal rate for 90 days.
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Easy EMI facility
Buy furniture, electronics and much more on easy EMIs.
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Contactless payments
Tap your card to make fast and hassle-free transactions of up to Rs. 5,000.
Platinum Choice SuperCard: 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%+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 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 | 3.33% per month or 40% per annum |
| Overdue penalty/late payment fee | 15% of total amount due (min. Rs. 50, max. Rs. 1,500) |
| 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. 4,000. 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
Shop Smart SuperCard: Frequently asked questions
Why is the card known as a SuperCard?
It offers the benefits of 4 cards in 1 and can easily handle any credit needs you may have.
What makes the SuperCard different?
It offers complete security, emergency advance on the cash limit and allows you to withdraw interest-free cash from ATMs.
Are cash withdrawals on the SuperCard expensive?
When you withdraw cash from ATMs with a SuperCard, you don’t have to pay interest for up to 50 days. You only pay a 2.5% processing fee.
In a regular credit card, the credit limit can be used for merchant transactions; how is SuperCard different?
The SuperCard offers an emergency loan for 3 months, once a year. The amount is based on your cash limit and has a nominal interest rate.
How safe is my SuperCard from online fraud?
The ‘InControl’ features ensure safety as you can control the usage of your card through the mobile app.
What exclusive offers will I get with a SuperCard?
You can avail easy EMI financing* at most Bajaj Finserv partner stores to make purchases pocket friendly.
What are the additional benefits on this card?
You get a cashback of Rs. 500, a 5% cashback on grocery purchases and a cashback worth Rs. 1,000 for every lakh you spend in a year.
*Conditions apply
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