Platinum ValuePlus SuperCard
Rewards & Benefits
Welcome Benefits
None.
Milestone Benefits
Cashback Rate
- Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining &
- Entertainment Category – BookMyShow &
- Zomato
- 
- Travel Category – MakeMyTrip &
- Uber
- 
- Grocery Category – Blinkit &
- Reliance Smart Bazaar
- 
- Electronics Category – Croma &
- Reliance Digital
- 
- Fashion Category – Nykaa &
- Myntra
3% cashback any one E-commerce merchant of your choice
- 
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends
- Cashback credit card
-  
- Reward System: Cardholders will get 5% cashback on any two packs of their choice
- 3% cashback on any one E-commerce merchant of your choice- Amazon or Flipkart or PayZapp
- 1% unlimited cashback across all other spends
Movie Benefits
Dining Benefits
Get up to 25% off on dining through Swiggy Dineout.
Other Benefits
Instant digital credit card. Annual fee reversal on spend of Rs 50,000 in any year.
Lounge Access
Fees & Charges
Joining Fee
INR 500 /- + Applicable Charges
Annual Fee
INR 500 /- + Applicable Charges
Cash Advance Fee
2.5% or ?500 whichever is higher
Interest rate
3.6% per month (i.e., 43.2% per annum)
Late Payment Fee
Late Payment Charges: Ranges from INR 100 to INR 1300.
Foreign Currency Transactions Fee
Foreign Currency Mark-up Fees: 3.5%
Other Fees
Cash Advance Charges: A transaction fee of 2.5% or ₹500 whichever is higher | Reward Redemption Fee: INR 99
Cons
Have to pay a joining fee.
No welcome rewards will be given to first-year free cards.
No airport lounge access facilities.
Welcome Benefit: Users will get Rs. 1000 worth gift vouchers 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).
Reward System: 1 RBL reward point = Rs 0.25 on every Rs. 100/- spent on the card. General cashback rate: 0.25%. 10% cashback on all fuel purchases (INR 250 per month).
Users can avail EMI Finance option to Shop for durables, electronics, furniture, clothes & accessories, groceries and much more.
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).
Users can avail Split n Pay program and convert purchases of Rs.3,000 or above into Easy Monthly Instalments (EMIs) at low interest rates, without the hassle of any paperwork & at a nominal processing fee.
Rewards & Benifits
Welcome Benefits
Welcome Benefit: Users will get Rs. 1000 worth gift vouchers 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
International Forex Markup
Welcome Benefits and Reward System
Special Features
Reward System: Cardholder will get 5% cashback on any two packs of your choice
- Dining & Entertainment Category – BookMyShow & Zomato
- Travel Category – MakeMyTrip & Uber
- Grocery Category – Blinkit & Reliance Smart Bazaar
- Electronics Category – Croma & Reliance Digital
- Fashion Category – Nykaa & Myntra
3% cashback any one E-commerce merchant of your choice
- Amazon or Flipkart or PayZapp
1% unlimited cashback across all other spends.
Eligibility Criteria
You must be an Indian citizen.
You must be 21-60 years of age.
Your net monthly income must be greater than INR 25,000 if you are salaried, and your ITR must be greater than Rs. 6 lakhs per annum if you are self-employed.
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
Eligibility: Check if you meet the eligibility criteria, which typically include a minimum income and age requirement.
Apply online: Visit the HDFC Bank website or app and fill out the online application form.
Documents: Submit the required documents like PAN card, address proof, and income proof.
Verification: HDFC will verify your documents and creditworthiness.
Approval: Upon approval, you will receive your credit card within 7-10 working days.
Contact Details
1800 1600
Account Opening and Procedure
Recommended Credit Cards
Pros:-
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Cons:-
Welcome Benefit: Users will get Rs. 1000 worth gift vouchers 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).
Reward System: 1 RBL reward point = Rs 0.25 on every Rs. 100/- spent on the card. General cashback rate: 0.25%. 10% cashback on all fuel purchases (INR 250 per month).
Users can avail EMI Finance option to Shop for durables, electronics, furniture, clothes & accessories, groceries and much more.
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).
Users can avail Split n Pay program and convert purchases of Rs.3,000 or above into Easy Monthly Instalments (EMIs) at low interest rates, without the hassle of any paperwork & at a nominal processing fee.
Have to pay a joining fee.
No welcome rewards will be given to first-year free cards.
No airport lounge access facilities.
The RBL Platinum ValuePlus SuperCard can be a good choice for individuals with diverse spending habits who value variety in rewards and enjoy occasional perks like movie tickets and airport lounge access. However, the high annual fee (beyond the first year) and foreign currency markup are crucial considerations. If you spend heavily on fuel, other cards offering higher fuel rewards might be more beneficial. Carefully analyze your spending habits and compare this card with other options before making a decision.
The RBL Platinum ValuePlus SuperCard can be a good choice for individuals with diverse spending habits who value variety in rewards and enjoy occasional perks like movie tickets and airport lounge access. However, the high annual fee (beyond the first year) and foreign currency markup are crucial considerations. If you spend heavily on fuel, other cards offering higher fuel rewards might be more beneficial. Carefully analyze your spending habits and compare this card with other options before making a decision.
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 Based Waiver: Spend Rs. 50,000 in a year and get waiver of Next year Annual Fee Rs. 499
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