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MyFirst Super Card

Product Details
Credit Card Name : 

MyFirst Super Card

Bank Name :

Bajaj Finance

Type :

Rewards Credit Card

Interest Rate : 

Interest Rates/ charges: upto 3.99% p.m (upto 47.88% p.a)

Eligibility :

Nationality: Indian
Age: 21 to 70 years.
Employment and Credit Score: At bank's Discretion

MyFirst Super Card
Pros
  • Users can Convert available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month at no processing fee. 

  • Users get Unlimited interest-free withdrawal of their available cash limit from all ATMs in India up to your billing date; maximum period of 50 Days. 

  • Reward Benefits: Get 1 Reward Point for every Rs.400 spends on all that you like Get 8 Reward Point for every Rs. 400 spends on Education 

  • Get 8 Reward Point for every Rs. 400 spends on Bill Payment Get cash instantly and pay back in instalments with Dial for Cash. program. 

  • Get a pre-approved loan without blocking the credit limit of your Card. 

  • Transfer Balance from other Credit Card Facility of Transfer n Pay program allows you to transfer your outstanding from other bank’s Credit Cards to your EasySaver SuperCard at lower interest rates and convert it into Easy Monthly Instalments (EMIs) 

  • Xpress Cash: A unique feature that allows users to get an instant loan within their credit limit. Users can pay back in easy installments and enjoy a host of benefits such as document free process and paperless money transfer. 

  • Cash Advance program that fulfills your short-term cash requirements. Users also enjoy a credit-free period of up to 50 days as an added benefit 

  • Contactless Transactions Quick payments: Tap and pay facility available

Cons

- Very low cashback rate. 

- Lacks standard features like free lounge visits. 

- Limited value add features.

Pros & Cons
Welcome Benefits
Welcome Benefit: Get 2,000 RP as welcome rewards on payment of joining fees and minimum spends of Rs. 2,000 within 30 days of card issuance (No welcome rewards will be given to First Year Free cards)
Rewards System
  • Get 1 RBL reward point on spend of INR 400 

  • Value of 1 RBL reward point INR 0.25

  • General Cashback Rate 0.25%. 

  • Get 8 Reward Point for every Rs. 400 spent on Education 

  • Get 8 Reward Point for every Rs. 400 spent on Bill Payment

International Forex Markup
3.50%
Welcome Benefits and Reward System
Special Features
Purchases above INR 3000 can be converted into EMIs. Balance can be transferred from other Credit Card. Contactless payments. Interest free advance cash facility is also available. The card us globally accepted.
Eligibility Criteria

Nationality: Indian
Age: 21 to 70 years.
Employment and Credit Score: At bank's Discretion

Benefits


  • Easy Cash: Unlimited interest-free withdrawal of your available cash limit from all ATMs in India up to your billing date; maximum period of 50 Days. 

  • Emergency advance: Convert up to your available cash limit into a personal loan for 3 months with zero processing fee and an interest rate of 1.16% per month. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • You can apply for the RBL Bank + Bajaj Finance MyFirst Super Card online or through a bank branch. 

  • Here are the steps on how to apply online: 

  • Go to the RBL Bank website and click on the "Apply for Credit Card" tab. Select the RBL Bank + Bajaj Finance MyFirst Super Card from the list of cards. 

  • Enter your personal and financial information. 

  • Submit a copy of your PAN card and income proof. 

  • Click on the "Submit" button. 

  • A RBL Bank representative will contact you to verify your information and complete the application process.

Contact Details

RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com

Account Opening and Procedure
MyFirst Super Card

The RBL MyFirst Super Card offers a combination of credit card features, emergency loan access, educational loan assistance, and reward points, catering to the diverse needs of young professionals and students. However, the lower reward rate compared to premium cards, limited redemption options, joining and annual fees, and potential customer service concerns are important drawbacks to consider.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

Product Review
Fees & Charges
  • Joining fees: Rs 999 & add-on cardholder 

  • Annual membership Fees: 999 + GST 

  • Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500) 

  • Late Payment fees: Up to Rs.100 - ZeroLate fee. Above Rs.100 -12.5% of total due amount (Max Rs. 1300/-) 

  • Finance charges/ Interest Charges: upto 3.99% p.m (upto 47.88% p.a) 

  • Foreign Currency Transaction Fees: 3.5% 

  • Reward Redemption fees: Rs 99 

  • EMI Processing fees : Rs 199 + GST 

Fuel Surcharge
Fuel Transaction Charge : 1% Surcharge on Fuel transaction value or Rs.10, whichever is higher. However, Fuel surcharge waiver of up to Rs.100 per month is available. (The Surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4,000.)
Billing Cycle

30 days

Fees & Charges
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