Features of the Shop Smart SuperCard

  • Welcome rewards

    Welcome rewards

    Get a Rs. 500 gift voucher on spending Rs. 2,000 within 30 days of card issuance

  • Milestone bonuses

    Milestone bonuses

    Get a Rs. 1,000 gift voucher on crossing spends of Rs. 1 lakh in a year

  • Offer on movie tickets

    Offer on movie tickets

    Get 1+1 movie tickets on BookMyShow (any day of the month, up to Rs. 200)

  • Airport lounge access

    Airport lounge access

    2 complimentary domestic airport lounge access in a year

  • Cashback on grocery shopping

    Cashback on grocery shopping

    5% cashback on grocery spends (up to Rs. 250 per month)

  • Annual savings

    Annual savings

    Savings of up to Rs. 10,000 annually

  • Annual Fee waiver

    Annual Fee waiver

    Spend Rs. 50,000 in a year and get the next year’s annual fee waived off

  • Interest-free cash withdrawal

    Interest-free cash withdrawal

    No interest on cash withdrawals for up to 50 days

  • Emergency advance*

    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.

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Eligibility criteria

  • Nationality

    Nationality

    Indian

  • Age

    Age

    25 to 65 years

  • Employment

    Employment

    Must have a regular source of income

  • Credit score

    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.

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How to apply for a SuperCard

Applying for the Bajaj Finserv RBL Bank SuperCard is quick and easy:

  1. 1 Click here and enter your mobile number
  2. 2 Submit the OTP you’ve received and check if you have a credit card offer
  3. 3 If you have an offer, please avail of the offer
  4. 4 In case of no offer, submit your details
  5. 5 Get a call from our representative
  6. 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.

*Terms and Conditions apply

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Frequently asked questions

Why is the card known as a SuperCard?

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.

What makes the SuperCard different?

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’.

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 90 days, 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 use of your card through the mobile app.

What are the exclusive offers I get with a SuperCard?

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.

What are the additional benefits on this card?

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.

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