Features of the Shop Smart SuperCard
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Welcome rewards
Get a Rs. 500 gift voucher on spending Rs. 2,000 within 30 days of card issuance
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Milestone bonuses
Get a Rs. 1,000 gift voucher on crossing spends of Rs. 1 lakh in a year
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Offer on movie tickets
Get 1+1 movie tickets on BookMyShow (any day of the month, up to Rs. 200)
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Airport lounge access
2 complimentary domestic airport lounge access in a year
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Cashback on grocery shopping
5% cashback on grocery spends (up to Rs. 250 per month)
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Annual savings
Savings of up to Rs. 10,000 annually
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Annual Fee waiver
Spend Rs. 50,000 in a year and get the next year’s annual fee waived off
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Interest-free cash withdrawal
No interest on cash withdrawals for up to 50 days
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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
The Bajaj Finserv RBL Bank Shop Smart SuperCard is loaded with features to meet all your daily and monthly credit needs. It is a great addition for avid shoppers, especially considering its range of benefits. For instance, as part of the welcome kit, you get a gift voucher 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’re facing a cash crunch, you can get an emergency advance or withdraw interest-free cash from ATMs.
*The loan is provided by RBL Bank as per their discretion and is subject to its policies.
Eligibility criteria
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Nationality
Indian
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Age
25 to 65 years
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Employment
Must have a regular source of income
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Credit score
750 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 within 25 to 65 years
- You must have a regular source of income
- Creditworthiness, with a minimum CIBIL score of 750 or higher and no past records of default
- A residential address which must fall within the SuperCard live locations in the country
- Applicant must also be an existing Bajaj Finserv customer and Bajaj Finserv EMI Network card holder
What documents are needed to apply for a credit card?
There are 3 primary documents required to get a credit card – photograph, identity proof and address proof. Additional documents may be needed during the application process.
How to apply for a SuperCard
Applying for the Bajaj Finserv RBL Bank SuperCard is quick and easy:
- 1 Click here and enter your mobile number
- 2 Submit the OTP you’ve received and check if you have a credit card offer
- 3 If you have an offer, please avail of the offer
- 4 In case of no offer, submit your details
- 5 Get a call from our representative
- 6 Submit the necessary documents
Fees and charges
To know about the fees and charges applicable on this credit card, refer the table below
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. Rs. 100 per cash deposit transaction done at RBL Bank branch and Bajaj Finserv branch effective from 1st July'2022 |
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 transactions 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 |
Up to 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 the total amount due (min. Rs. 50, max. Rs. 1,500) Effective from 1st July'2022 revised late payment charges will be applicable*. |
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) |
NIL |
Duplicate statement fee |
NIL |
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 |
Merchant EMI transaction |
Rs. 199 + GST |
All the above charges are subject to change under various marketing programs. The cardmember will be informed about these changes.
*Late payment charges
Total amount due (Rs.) |
Late payment fee (Rs.) |
Up to 100 |
0 |
100.01 - 500 |
100 |
500.01 - 5,000 |
500 |
5,000.01 - 10,000 |
750 |
10,000.01 - 25,000 |
900 |
25,000.01 - 50,000 |
1,000 |
Above 50,000 |
1,300 |
The surcharge is applicable on minimum fuel transactions of Rs. 500 and a maximum of Rs. 4,000. The 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 the IRCTC website for details.
** Transactions at merchant establishments registered overseas, even if the merchant is in India, attract a cross-border charge.
Frequently asked questions
This SuperCard offers EMI facilities, interest-free ATM withdrawals, emergency advances and attractive deals. The benefits of the card go beyond the usual credit card offering and hence, it is known as a SuperCard.
The SuperCard acts as 4 cards in 1. It can be used as a credit card, a cash card, a loan card and an EMI Card. Due to unique features like these, it has been named as ‘SuperCard’.
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.
The SuperCard offers an emergency loan for 90 days, once a year. The amount is based on your cash limit and has a nominal interest rate.
The ‘InControl’ features ensure safety as you can control the use of your card through the mobile app.
There are many exclusive offers that can be availed at partner stores with the SuperCard. Apart from this, you can avail easy EMI financing* at most Bajaj Finserv partner stores to make purchases pocket-friendly.
Get reward points worth Rs. 500, a 5% cashback on grocery purchases and reward points worth Rs. 1,000 for every lakh you spend in a year.
