Platinum ValuePlus SuperCard
MyRupaya Ratings
Product Details
Credit Card Name :
Platinum ValuePlus SuperCard
Bank Name :
Bajaj Finance
Type :
Cashback 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
Users can avail EMI Finance option Shop for durables, electronics, furniture, clothes & accessories, groceries and much more. Divide all you buy into easy EMIs*.
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).
Reward Benefits for users: Fill vehicle's fuel tank at any place, at absolutely no extra cost.
Get a fuel surcharge waiver of up to Rs. 100 per month 10% Cash-back^^ on all Fuel Purchases On crossing spends of Rs. 1,00,000 in a year, get gift voucher worth Rs. 1,000 Spend Rs. 50,000 in a year and get second year annual fees of Rs. 499 reversed 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 airport lounge access facilities.
Pros & Cons
Welcome Benefits
Welcome Benefit: 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
1 RBL reward point= Rs 0.25 on every Rs. 100/- spent on your card.
10% Cash-back^^ on all Fuel Purchases
Effective Cashback Rate: 5%
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
Emergency Advance: Convert up to your available cash limit into a Personal Loan for 3 months at 1.16% interest rate per month and no processing fee.
Easy Cash: Unlimited interest-free withdrawal of your 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 INR 500).
Experience the freedom and power to fill your vehicle's fuel tank at any place, at absolutely no extra cost. Get a fuel surcharge waiver of up to INR 100 per month.
10% Cashback^^ on Fuel Purchases
10% Cashback^^ on Ola/ Uber transactions
Second year fee reversal on spends of INR 1,00,000
Get Gift vouchers worth INR 1,000 on payment of joining fees and spends of INR 2,000 made within 30 days of issuance (No welcome rewards will be given to First Year Free cards).
Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
You can apply for the RBL Bank + Bajaj Finance Platinum ValuePlus 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 ValuePlus 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:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Users can avail EMI Finance option Shop for durables, electronics, furniture, clothes & accessories, groceries and much more. Divide all you buy into easy EMIs*.
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).
Reward Benefits for users: Fill vehicle's fuel tank at any place, at absolutely no extra cost.
Get a fuel surcharge waiver of up to Rs. 100 per month 10% Cash-back^^ on all Fuel Purchases On crossing spends of Rs. 1,00,000 in a year, get gift voucher worth Rs. 1,000 Spend Rs. 50,000 in a year and get second year annual fees of Rs. 499 reversed 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.
Have to pay a joining fee.
No welcome rewards will be given to First Year Free cards.
No airport lounge access facilities.
Platinum ValuePlus SuperCard
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
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