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Platinum Shopsmart SuperCard

Product Details
Credit Card Name : 

Platinum Shopsmart SuperCard

Bank Name :

Bajaj Finance

Type :

Shopping 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 Shopsmart 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: 5% Cash-back^^ on all Grocery spends Spend Based Waiver: Spend Rs. 50,000 in a year and get waiver of Next year Annual Fee Get 1+1 Bookmyshow offer on movie tickets (up to Rs. 200), on any 1 Day of the month (Any Day) 

  • Get 2 free visit in a year, at domestic lounges at all major airports in India. 

  • 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
  • Have to pay a joining fee. 

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

  • No internation lounge access facility. 

  • No fuel surcharge waiver benefit avaialble.

Pros & Cons
Welcome Benefits
Welcome benefit: Get gift voucher worth Rs. 500 on payment of joining fees and spends of Rs. 2000 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 for every 100/- spent via card. 

  • 5% Cash-back^^ on all Grocery spends 

  • Get 1+1 Bookmyshow offer on movie tickets (up to Rs. 200), on any 1 Day of the month (Any Day).

  • Effective Cashback Rate: 2.5%

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
  • The Bank + Bajaj Finance Platinum Shopsmart SuperCard is a credit card that offers a variety of benefits, including: 

  • 1+1 offer on movie tickets on BookMyShow (any day of the month, up to Rs. 200) 

  • 2 complimentary domestic airport lounge access in a year 5% cashback on grocery spends (up to Rs. 250 per month) 

  • Welcome benefit of Rs. 500 on payment of joining fee and spends of Rs. 2,000 within 30 days of card issuance. 

  • Annual fee waiver on spending Rs. 50,000 in a year. Interest-free cash withdrawal for up to 50 days. 

  • Emergency advance of up to your available cash limit at 1.16% interest rate per month and no processing fee. Contactless payments. 

  • The card also offers other benefits, such as no cost EMIs, purchase protection, and travel insurance.

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • You can apply for the RBL Bank + Bajaj Finance Platinum Shopsmart SuperCard online or by visiting a Bajaj Finserv branch. 

  • To apply online, follow these steps: Go to the Bajaj Finserv website and click on the "Apply Now" button for the RBL Bank + Bajaj Finance Platinum Shopsmart SuperCard. 

  • Enter your personal details, such as your name, address, and contact information. 

  • Enter your employment details, such as your employer's name and your income. 

  • Upload your PAN card and Aadhaar card images. 

  • Submit your application. 

Contact Details

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

Account Opening and Procedure
Platinum Shopsmart SuperCard

Overall, the RBL Platinum ShopSmart SuperCard is a good option for people who spend a lot on groceries and who want to earn cashback on their purchases. However, it is important to note that there is an annual fee of Rs. 499, so you will need to make sure that you will be able to earn enough cashback to offset the cost of the fee.

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 (second year onwards) Spend Based Waiver: Spend Rs. 1,00,000 in a year and get waiver of Next year Annual Fee Rs. 999 

  • 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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