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Platinum Bonus SuperCard

Product Details
Credit Card Name : 

Platinum Bonus SuperCard

Bank Name :

Bajaj Finance

Type :

Lifestyle Credit Card

Interest Rate : 

Interest Rates/ Finance 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

Platinum Bonus SuperCard
Pros
  • Users can Convert up to available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month and no processing fee. 

  • Unlimited interest-free withdrawal for available cash limit from all ATMs in India up to your billing date; maximum period of 50 Days. (Processing fee of 2.5% applicable; min Rs. 500). 

  • Various Reward Benefits like: 1,500 Reward Points on 4 transaction of Rs. 1,000 each per month 

  • Benefit of 5,000 Reward Points on crossing spend of Rs. 1,00,000 in a year Second year fee reversal on spends of Rs. 1,00,000. 

  • Welcome Gift: 6000 Reward Points (No welcome rewards will be given to First Year Free cards) Spend Rs. 1,00,000 in a year and get waiver of Next year Annual Fee. 

  • Get cash instantly and pay back in instalments with Dial for Cash. program. 

  • Users can Avail Split n Pay program and convert purchases of Rs.3,000 or above into Easy Monthly Instalments (EMIs). 

  • Enjoy the convenience of paying EMIs at low interest rates, without the hassle of any paperwork & at a nominal processing fee. 

  • Facility of Transfer n Pay program allows users to transfer outstanding money from other bank’s Credit Cards to your Platinum LifeEasy 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 your credit limit. Cash Advance program that fulfills your short-term cash requirements.

Cons
  • No lounge access availabe. 

  • Have to pay a joining fee. 

  • No welcome rewards will be given to First Year Free cards. 

  • No fuel surcharge waiver available.

Pros & Cons
Welcome Benefits
Welcome Benefit: Get 6,000 Reward Points on payment of joining fees and spends of Rs. 2000 made within 30 days of issuance (No welcome rewards will be given to First Year Free cards).
Rewards System
  • 1 RBL reward point= Rs 0.25 for every rs. 100/- spent via card. 1,500 Reward Points on 4 transactions of Rs. 1,000 each per month Benefit of 5,000 Reward Points on crossing spend of Rs. 1,00,000 in a year. 

  • Effective Cashback Rate: 5%

International Forex Markup
3.50%
Welcome Benefits and Reward System
Special Features
None
Eligibility Criteria

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

Benefits

Here are some of the key benefits of the card: 

  • Welcome benefit of 5,000 reward points: This is a great way to start earning rewards with the card. You can redeem these points for gift cards, merchandise, or travel. 

  • 2X reward points on every Rs. 100 spent on online spends:** This means that you will earn 2 reward points for every Rs. 100 you spend on online purchases. This is a great way to earn rewards on your online shopping. 

  • Annual savings of up to Rs. 3,275: You can earn rewards and discounts worth up to Rs. 3,275 through this card. This includes the welcome benefit, reward points, and other offers. 

  • Fuel surcharge waiver of up to Rs. 100 per month: This can save you money on your fuel expenses. 

  • Annual fee waiver: You can get the annual fee waived on this card by spending Rs. 50,000 in a year. This is a great way to save money on the annual fee. 

  • Emergency advance: You can avail an emergency advance of up to 50% of your available credit limit. This can be a helpful option in case of an emergency. 

  • Interest-free ATM withdrawals: You can withdraw cash from ATMs without paying any interest for up to Rs. 50,000 per month. This is a great way to access cash without incurring any additional charges. 

  • No cost EMIs: You can avail no cost EMIs on select purchases. This can help you spread out the cost of your purchases over a longer period of time. 

  • Purchase protection: This insurance will cover you against damage or theft of your purchases for up to 90 days from the date of purchase. 

  • Travel insurance: This insurance will cover you against medical expenses, trip cancellation, and luggage loss while you are traveling.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?

You can apply for the RBL Bank + Bajaj Finance Platinum Bonus SuperCard online through the Bajaj Finserv website. 

  • Here are the steps involved: Go to the Bajaj Finserv website and click on the "Apply for Credit Card" tab. 

  • Select the "RBL Bank + Bajaj Finance Platinum Bonus SuperCard" from the list of cards. 

  • Enter your personal details, such as your name, PAN, date of birth, and email address. 

  • Upload a scanned copy of your PAN card and recent passport-size photograph. 

  • Provide your employment details and monthly income. 

  • Read and agree to the terms and conditions of the card. 

  • Click on the "Submit" button to complete your application. 

  • A Bajaj Finserv representative will contact you to verify your details and process your application. 

  • If your application is approved, you will receive the card in the mail within a few weeks.

Contact Details

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

Account Opening and Procedure
Platinum Bonus SuperCard

The RBL Platinum Bonus SuperCard offers attractive welcome and milestone bonuses, along with rewards on all spends and exclusive benefits like free movie tickets and gym membership. However, if you prioritize high reward rates and diverse redemption options, prefer premium card offerings with higher returns for specific categories, are on a tight budget, or have concerns about RBL Bank's customer service. this card is not an appropriate choice for you.

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 fee of Rs.999 (Plus Service Tax) & an annual fee of Rs. 999 (Plus Service Tax) 

  • 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 Surcharge: 1% surcharge on fuel transaction value or Rs.10/- whichever is higher. (No Waiver)
Billing Cycle

30 Days

Fees & Charges
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