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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-bonus

    Welcome gift

    Get cashback worth Rs. 500, usable at various retail brands.

  • 3 tier reward system

    Spending bonuses

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

  • Cashback-on-down-payment

    Cashback on groceries

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

  • Flexible-credit-limit

    Huge savings

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

  • Interest-free-withdrawals

    Interest-free cash withdrawal

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

  • Emergency-loan

    Emergency loan

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

  • Effortless EMI facility

    Easy EMI facility

    Buy furniture, electronics and much more on easy EMIs.

  • contactless-payments

    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
Fee Wavier on Annual Spends of Rs. 50,000
(Recently updated)
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) NIL (Recently updated)
Duplicate statement fee NIL (Recently updated)
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

What is the joining fee for this card?

The joining fee for Bajaj Finserv RBL Bank ShopSmart SuperCard is Rs. 499. however, the annual fee for the 2nd year is Rs. 499 waived off on an annual spends Rs. 50,000.

How can you earn welcome cashback?

Welcome Cashback of Rs. 500 will only be credited on payment of Joining fee and on crossing spends of Rs. 2,000 within 30 days of card issuance.

What is a SuperCard?

SuperCard is a co-brand credit card brought in association with RBL Bank Ltd. It is known as SuperCard because of its super features. This one-of-its-kind card not only takes care of your daily/monthly credit needs but also helps you in emergency cash requirements and offers exclusive benefits at Bajaj Finserv partner stores, discounts/cashbacks in various categories, rewards on every transaction and many other offerings.

How is SuperCard different from other credit cards in the industry?

SuperCard not only comes with the regular features offered by credit cards but also offers additional benefits like:
– Low-cost advance on cash limit at 1 .16% per month with no processing fee
– Cash withdrawal at 0% interest for up to 50 days
– Superior rewards program
– Best security features through ‘InHand’ security
– Instant approval/rejection on your application form

How can I use SuperCard reward points?

There are three kinds of reward points on your SuperCard: welcome rewards (only on paid card variants), spend-based rewards and milestone rewards. You can redeem these reward points at www.rblrewards.com/SuperCard or use these at any Bajaj Finserv partner store across India for down payments on no-cost EMIs on a wide range of electronics, consumer durables and more.

How can I use the low-cost emergency advance?

The low-cost emergency advance can be used against the cash limit provided within your credit limit. You can avail of this short-duration loan on 3 easy EMIs with no processing fee and a nominal interest rate of 1.16% per month. You can apply for this through the RBL MyCard app. You can also message ‘CASH’ to 5607011 or call 022-71190900.

Is there any interest rate on cash withdrawal from SuperCard?

In times of emergency, other bank credit cards offer cash withdrawals with a high fee and interest. Cash withdrawal from SuperCard can be made within the cash limit of the card limit and is interest-free for up to 50 Days with a nominal processing fee of 2.5%. However, it is always preferred that you repay your dues on time to avoid interest charges.

How can I activate my card?

You can now activate your card and not wait for a physical card to start shopping. Simply download the Bajaj Finserv wallet app (Link) and sign up with your details. On the home page, click on the SuperCard icon and enter the details shared while applying for the card. Then, set a 6-Digit mPin and view your digital SuperCard. Go to the ‘Settings’ option, enable online transactions and start using the card.

How can I convert shopping spends to easy EMIs?

You can convert shopping expenses exceeding Rs. 2,500 to easy EMI through the RBL MyCard App or by writing to supercardservice@rblbank.com. You can set the EMI tenor as per your need with a nominal processing fee.

How can I use SuperCard for contactless payment at stores?

Tap this card to make fast and convenient payments at retail outlets. With contactless payments, your card never has to leave your hand. Make payments of up to Rs. 5,000* at a time using the tap-and-pay feature.

With an increasing number of cybercrimes, how safe is my SuperCard from online fraud?

SuperCard comes with a feature called ‘InControl’, where the security of your SuperCard is in your control. You can monitor the use of your card through the RBL MyCard app too. Your Bajaj Finserv co-brand credit card is more secure than ever before and gives you the power to switch on or off your card in seconds. Unable or disable domestic, international, online or offline transactions.

Do you need any help regarding your SuperCard?

If you have any other queries, call us at 022-71190900 or e-mail us at supercardservice@rblbank and we’ll be glad to assist you.

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