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Platinum ShopGain Super Card

Product Details
Credit Card Name : 

Platinum ShopGain Super Card

Bank Name :

Bajaj Finance

Type :

Shopping Credit Card

Interest Rate : 

Interest Rate/ 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 ShopGain Super Card
Pros
  • Users can Convert the 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 25 Reward Points for every Rs. 100 spent on utility bill payments - up to 500 Reward Points pm 

  • Welcome Benefit: Cardholder get 6,000 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)

  • Cinematic Rewards:1+1 on Bookmyshow (up to 200 per month) twice a month. 

  • 4 Complimentary domestic lounge access (1 per quarter) 

  • Milestone Benefits: -Zomato Pro Voucher/Amazon Prime Voucher - on spends of Rs. 2 Lacs Annually (exclude rental spends) -10,000 RP on spends of Rs. 3 Lacs & Above -

  • Milestone: Additional 10,000 RP on spends of Rs. 4 Lacs & Above 

  • Xpress Cash: A unique feature that allows users to get an instant loan within their credit limit. 

  • 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
  • No international Lounge Access. 

  • Have to pay high a joining fees. 

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

Pros & Cons
Welcome Benefits

Welcome Benefit: Cardholder get 6,000 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 100 

  • Value of 1 RBL reward point INR 0.25 

  • General Cashback Rate 0.25%. 

  • 25 Reward Points for every Rs. 100 spent on utility bill payments - up to 500 Reward Points pm

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


  • 25x reward points on every Rs. 100 spent on utility bill payments. 1+1 offer on movie tickets from BookMyShow. 

  • 4 complimentary visits to domestic airport lounges. 1 reward point on every Rs. 100 spent on other expenses. Annual savings of up to Rs. 21,425 through rewards and offers. 

  • Milestone bonus of Zomato Pro/Amazon Prime voucher on annual spends above Rs. 2 lakh. Annual fee waiver on spending Rs. 3 lakh in a year. 

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Here are the steps on how to apply for the RBL Bank + Bajaj Finance Platinum ShopGain Super Card: Go to the Bajaj Finserv website: https://www.bajajfinserv.in/rbl-bank-platinum-shopgain-supercard and click on the "Apply Now" button. 

  • Enter your mobile number and submit the OTP you receive. 

  • Check if you have a credit card offer. 

  • If you do, avail of the offer. 

  • Get a call from a Bajaj Finserv representative. 

  • The following documents will be required for the application: Photo ID proof (PAN card, driving license, voter ID card, passport) Address proof (Aadhaar card, utility bill, bank statement) Proof of income (salary slip, business registration certificate)

Contact Details

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

Account Opening and Procedure
Platinum ShopGain Super Card

The RBL Platinum ShopGain SuperCard is a compelling option for individuals who have high utility bill payments and spend significantly on groceries every month. The 25x reward rate on utilities can offset the annual fee and potentially offer high cashback equivalent. However, the high annual fee, limited redemption options, potential customer service concerns, and lower points on other categories 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 1499 & add-on cardholder 

  • Annual membership Fees: 1499 + GST (second year onwards) Spend Rs. 1,50,000 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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