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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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. 9,400 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.
*A processing fee of 2.5% or Rs. 500 (whichever is higher, is applicable) + GST.
*The loan is provided by RBL Bank as per their discretion and is subject to its policies.
| Benefits | Value earned (Rs.) |
| Welcome gift: Gift vouchers worth Rs. 500 (no welcome rewards are given for the first year free card variant) | 500 |
| 5% cashback on grocery spend (up to Rs. 250 per month) | 3,000 |
| BookMyShow offer: 1+1 movie tickets on any day of the month (up to Rs. 200) | 2,400 |
| 2 complimentary domestic airport lounge access in a year | 3,000 |
| Spend based waiver: Spend Rs. 50,000 in a year and get an annual card fee waiver | 500 |
| Total benefits per annum | 9,400 |
Eligibility criteria
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Nationality
Indian
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Age
21 to 70 years
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Employment
At bank’s discretion
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Credit score
At bank’s discretion
What are the eligibility criteria for getting a credit card?
Bajaj Finserv has easy to meet eligibility criteria to apply for the credit card. These include:
- Age should be within 21 to 70 years
- Nationality should be Indian
- Applicant must fulfil the income and credit score criteria set by bank
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 Get a call from our representative
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** | 3.50% + 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% + GST surcharge on fuel transaction value of Rs. 10 + GST, whichever is higher Fuel surcharge will depend on the merchant and it may vary from 1% to 2.5% |
| 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 w.e.f. 1st June 2019. T&C apply |
| Cash advance transaction fee | 2.5% of the amount (minimum 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 |
| 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 |
| Merchant EMI processing fee | Rs. 199 + GST per merchant EMI transaction |
| Fee on Rental Transactions | 1% fee on transaction amount will be levied on all rental transactions done on any applicable merchant (w.e.f February 1, 2023) |
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 waiver is applicable on a minimum fuel transaction 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.
Late payment charges
Late payment fee |
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12.5% of the outstanding amount |
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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.
Frequently asked questions
This SuperCard offers EMI facilities, interest-free ATM withdrawals*, emergency advance*, and attractive deals. The benefits of the card go beyond the usual credit card offering and hence, it is known as a SuperCard.
*A processing fee of 2.5% or Rs. 500 (whichever is higher, is applicable) + GST.
*The loan is provided by RBL Bank at their discretion and is subject to its policies.
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% or Rs. 500 (whichever is higher) + GST 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 loan is provided by RBL Bank at their discretion and is subject to its policies.
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.
With credit card, you get reward points worth Rs. 500 and a 5% cashback on grocery purchases.
