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Platinum Edge Super Card

Product Details
Credit Card Name : 

Platinum Edge 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

Platinum Edge Super Card
Pros
  • Users can avail EMI Finance: Shop for durables, electronics, furniture, clothes & accessories, groceries and much more. Divide all you buy into easy EMIs. 

  • Users can Convert up to their 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 available on cash limit from all ATMs in India up to your billing date; maximum period of 50 Days. 

  • Reward Benefits for users: Welcome Gift: 8,000 RP on spends of Rs. 2,000 within 30 days of card generation and payment of annual fees 

  • Milestone Benefit: (Get 10,000 Reward Points on spends of Rs. 1.5 Lakhs and additional 5,000 Reward Points on every spend of Rs. 1,00,000 thereafter) 

  • Get 1+1 free movie ticket (Up to Rs. 200) on Bookmyshow, once a month 

  • Get 2 Reward Points for every Rs. 100 spent on all that you like Get 2X Reward Points on all online spends. 

  • Spend Rs. 1,50,000 in a year and get 10,000 Reward Points 

  • Get additional 5,000 Reward Points on spending each 1,00,000 

  • Get 1 free visit every quarter, at domestic lounges, at all major airports in India. 

  • Fill up vehicle's fuel tank at any place, at absolutely no extra cost. Get a fuel surcharge waiver of up to Rs. 100 per month 

  • Cash Advance program that fulfills your short-term cash requirements. 

  • You also enjoy a credit-free period of up to 50 days as an added benefit on your Card membership. 

  • Xpress Cash allows you to get an instant loan within your credit limit. Transfer Balance from other Credit Card facility available Buy Now, Pay Later 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.

Cons
  • High Joining Fees. 

  • No international airport lounge access facility available. 

  • No cash Back offers. 

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

  • No RPs for online purchases made on Education, Insurance, Utilities (including Bills2Pay), Rent Payment and Wallet Load. (Maximum Cap: 1,000 Reward Points)

Pros & Cons
Welcome Benefits
Welcome Gift: 8,000 RP on spends of Rs. 2,000 within 30 days of card generation and payment of annual fees (No welcome rewards will be given to First Year Free cards)
Rewards System
  • 1 RBL reward point= Rs 0.25 

  • Get 1 RP on every Rs. 100/- spent on the card. 

  • Effective Cashback Rate: 1.33%

  • Get 2 Reward Points for every Rs. 100 spent on all that you like Get 2X Reward Points on all online spends, except for online purchases made on Education, Insurance, Utilities (including Bills2Pay), Rent Payment and Wallet Load. 

  • Spend Rs. 1,50,000 in a year and get 10,000 Reward Points Get additional 5,000 Reward Points on spending each 1,00,000 thereafter

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 8,000 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. 

  • 4 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. 

  • BookMyShow offer: You can get one free movie ticket for every ticket you buy. Fuel surcharge waiver: This can save you money on your fuel expenses. 

  • Annual fee waiver: This is a great way to save money on the annual fee. If you spend Rs. 50,000 in the first year, the annual fee for the second year will be waived. 

  • 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 Edge 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 Edge 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
Platinum Edge Super Card

If You value multiple benefits in one card, including emergency loan access and educational loan assistance, appreciate easy cash withdrawal and reward points for everyday spending. This card is a great is a great choice. However, it does not provide high reward rates and diverse redemption options.

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 1999 & add-on cardholder 

  • Annual membership Fees: 1999 + GST (second year onwards) Spend Based Waiver: Spend Rs. 2,00,000 in a year and get waiver of Next year Annual Fee. 

  • 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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