Platinum Choice Super Card
MyRupaya Ratings
Product Details
Credit Card Name :
Platinum Choice Super Card
Bank Name :
Bajaj Finance
Type :
Lifestyle Credit Card
Interest Rate :
Interest rate: 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
Pros
Welcome Benefit: Users will get 2,000 reward points on payment of the joining fee and spending Rs. 2,000 made within 30 days of card issuance (No welcome rewards will be given to first-year free cards).
Reward System: 1 RBL reward point = Rs 0.25. Users will get 1 reward point for every Rs. 100 spent. General cashback rate: 0.25%. 2X reward points on all online spending with a cap of 1,000 reward points. Effective cashback rate: 0.50%. Users will get 10% off on BookMyShow, up to Rs.100 every month.
Millestone Benefit: If the user spends Rs. 50,000 in a year then the annual fees for the second year of Rs. 499 will be reversed.
Users can convert up to their available cash limit into a Personal Loan for 3 months at a 1.16% interest rate per month and no processing fee.
Unlimited interest-free withdrawal available on cash limit from all ATMs in India up to their billing date; maximum period of 50 days.
A fuel surcharge waiver of up to Rs.100 per month
users can also enjoy a credit-free period of up to 50 days as an added benefit on their card.
Xpress Cash allows users to get an instant loan within their credit limit.
Users can get a pre-approved loan without blocking the credit limit of their card.
Cons
Have to pay a joining fee.
No domestic or international lounge visit facility is available.
No welcome rewards will be given to first-year free cards.
Pros & Cons
Welcome Benefits
Users will get 2,000 reward points on payment of the joining fee and spending Rs. 2,000 made within 30 days of card issuance (No welcome rewards will be given to first-year free cards).
Rewards System
1 RBL reward point = Rs 0.25. Users will get 1 reward point for every Rs. 100 spent. General cashback rate: 0.25%. 2X reward points on all online spending with a cap of 1,000 reward points. Effective cashback rate: 0.50%. Users will get 10% off on BookMyShow, up to Rs.100 every month.
International Forex Markup
Welcome Benefits and Reward System
Special Features
Eligibility Criteria
Nationality: Indian
Age: 21 to 70 years.
Employment and Credit Score: At bank's Discretion
Benefits
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.
2 Reward Points per INR 100 spent: This means that you will earn 2 reward points for every Rs. 100 you spend on any kind of purchase. You can redeem these points for gift cards, merchandise, or travel.
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.
1 complimentary domestic airport lounge access in a year: This is a great perk for frequent flyers. You can get free access to airport lounges, which offer a variety of amenities such as food, drinks, and Wi-Fi.
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 cash withdrawal: You can withdraw cash from ATMs without paying any interest for up to 50 days. 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 Choice SuperCard online or by visiting a RBL Bank branch.
To apply online, you can follow these steps:
Go to the RBL Bank website and click on the "Apply for a Credit Card" tab.
Select the "Platinum Choice SuperCard" from the list of cards.
Enter your personal details, such as your name, address, and contact information.
Enter your income and employment details.
Upload a copy of your PAN card and identity proof.
Submit your application.
The processing time for the application is usually 7-10 working days.
Once your application is approved, you will receive the card in the mail.
Contact Details
RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Users will get 2,000 reward points on payment of the joining fee and spending Rs. 2,000 made within 30 days of card issuance (No welcome rewards will be given to first-year free cards).
Reward System: 1 RBL reward point = Rs 0.25. Users will get 1 reward point for every Rs. 100 spent. General cashback rate: 0.25%. 2X reward points on all online spending with a cap of 1,000 reward points. Effective cashback rate: 0.50%. Users will get 10% off on BookMyShow, up to Rs.100 every month.
Millestone Benefit: If the user spends Rs. 50,000 in a year then the annual fees for the second year of Rs. 499 will be reversed.
Users can convert up to their available cash limit into a Personal Loan for 3 months at a 1.16% interest rate per month and no processing fee.
Unlimited interest-free withdrawal available on cash limit from all ATMs in India up to their billing date; maximum period of 50 days.
A fuel surcharge waiver of up to Rs.100 per month
users can also enjoy a credit-free period of up to 50 days as an added benefit on their card.
Xpress Cash allows users to get an instant loan within their credit limit.
Users can get a pre-approved loan without blocking the credit limit of their card.
Have to pay a joining fee.
No domestic or international lounge visit facility is available.
No welcome rewards will be given to first-year free cards.
RBL credit card is good card, middle class people can use this and its very good service. The rate of interest also very low but getting more reward points for my purchase.
Platinum Choice Super Card
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 499 & add-on cardholder
Annual membership Fees: 499 + GST (second year onwards) Spend Rs. 50,000 in a year and get second year annual fees of Rs. 499 reversed
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
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