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Bajaj Finserv RBL Bank Platinum Choice Supercard

Bajaj Finserv RBL Bank Shop Smart 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.

  • Spending bonuses

    For every lakh you spend in a year, get cashback worth Rs. 1,000.

  • Cashback on groceries

    Enjoy 5% cashback on grocery expenses, up to Rs. 250 per month.

  • Huge savings

    Save over Rs. 5,000 in a year with this SuperCard.

  • Interest-free cash withdrawal

    Withdraw cash and pay no additional interest for up to 50 days.

  • Emergency loan

    Get a loan against your cash limit at a nominal rate for 90 days.

  • Easy EMI facility

    Buy furniture, electronics and much more on easy EMIs.

  • 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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