World Plus SuperCard
MyRupaya Ratings
Product Details
Credit Card Name :
World Plus SuperCard
Bank Name :
Bajaj Finance
Type :
Rewards 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
Welcome Benefit: Users will get 20,000 reward points on payment of joining fees and spending Rs. 2,000 made within 30 days of card issuance (No welcome rewards will be given to first-year free cards).
Reward System: The value of 1 RBL reward point = Rs 0.25. Users will get 2 reward points per Rs.100 spent. General cashback rate: 0.5%. Users can avail 5% discount on dining spending, via 20 reward points that the user earns for every Rs. 100 spent. (Maximum reward points = 2,000 per month) and a 5% discount on all International spends, via 20 reward points that the user earn for every Rs. 100 spent. (Maximum reward points = 2,000 per month).
Milestone Benefit: On spending Rs.3,00,000 in a year user will get 20,000 reward points and a cross-spend level of Rs.5,00,000 in a year to get an additional 20,000 reward points.
Users can convert up to their available cash limit into a Personal Loan for 3 months at a 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.
Users will get 8 free visits in a year, at domestic lounges at all major airports in India.
Fuel surcharge waiver of up to Rs.200 per month
Users will get a 1+1 free movie ticket (Up to Rs. 200), on BookMyShow, twice a month on any day of the week.
A complimentary Priority Pass membership worth $99.
Users can buy in any currency and pay back later in the Indian Rupees Cash Advance program that fulfils the short-term cash requirements.
Users can enjoy a credit-free period of up to 50 days as an added benefit on ard membership.
Users can get a pre-approved loan without blocking the credit limit of the Credit card.
Cons
Have to pay a high joining fees.
No complimentary international lounge facility is available.
No welcome rewards will be given to first year free cards.
Pros & Cons
Welcome Benefits
Users will get 20,000 reward points on payment of joining fees and spending Rs. 2,000 made within 30 days of card issuance (No welcome rewards will be given to first year free cards).
Rewards System
The value of 1 RBL reward point = Rs 0.25. Users will get 2 reward points per Rs.100 spent. General cashback rate: 0.5%. Users can avail 5% discount on dining spends, via 20 reward points that the user earn for every Rs. 100 spent. (Maximum reward points = 2,000 per month) and 5% discount on all International spends, via 20 reward points that user earn for every Rs. 100 spent. (Maximum Reward Points = 2,000 per month).
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
Welcome benefit of 12,000 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. 10X reward points on international spends:** This means that you will earn 10 reward points for every Rs. 100 you spend on international purchases. You can redeem these points for gift cards, merchandise, or travel.
Annual savings of up to Rs. 55,000: You can earn rewards and discounts worth up to Rs. 55,000 through this card. This includes the welcome benefit, reward points, and other offers.
8 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.
Fuel surcharge waiver of up to Rs. 200 per month: This can save you money on your fuel expenses.
Annual fee waiver: You can get the annual fee waived on this card by spending Rs. 3,00,000 in a year and spending 3 lakhs in the previous year. This is a great way to save money on the annual fee.
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 Rs. 50,000 per month. 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 World Plus 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 "World Plus 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
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Pros:-
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Cons:-
Welcome Benefit: Users will get 20,000 reward points on payment of joining fees and spending Rs. 2,000 made within 30 days of card issuance (No welcome rewards will be given to first-year free cards).
Reward System: The value of 1 RBL reward point = Rs 0.25. Users will get 2 reward points per Rs.100 spent. General cashback rate: 0.5%. Users can avail 5% discount on dining spending, via 20 reward points that the user earns for every Rs. 100 spent. (Maximum reward points = 2,000 per month) and a 5% discount on all International spends, via 20 reward points that the user earn for every Rs. 100 spent. (Maximum reward points = 2,000 per month).
Milestone Benefit: On spending Rs.3,00,000 in a year user will get 20,000 reward points and a cross-spend level of Rs.5,00,000 in a year to get an additional 20,000 reward points.
Users can convert up to their available cash limit into a Personal Loan for 3 months at a 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.
Users will get 8 free visits in a year, at domestic lounges at all major airports in India.
Fuel surcharge waiver of up to Rs.200 per month
Users will get a 1+1 free movie ticket (Up to Rs. 200), on BookMyShow, twice a month on any day of the week.
A complimentary Priority Pass membership worth $99.
Users can buy in any currency and pay back later in the Indian Rupees Cash Advance program that fulfils the short-term cash requirements.
Users can enjoy a credit-free period of up to 50 days as an added benefit on ard membership.
Users can get a pre-approved loan without blocking the credit limit of the Credit card.
Have to pay a high joining fees.
No complimentary international lounge facility is available.
No welcome rewards will be given to first year free cards.
The RBL World Plus SuperCard offers lucrative rewards on international spends and dining, along with airport lounge access and other valuable benefits. However, the high annual fee, lower reward rate on other categories, limited redemption options, and potential customer service concerns are important drawbacks to consider. However, if you spend domestically and don't dine out often, prioritize high reward rates for other categories, are on a tight budget, or have concerns about RBL, this card is not a good option for you.
World Plus SuperCard
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 4999 & add-on cardholder
Annual membership Fees: 4999 + GST
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