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World Plus SuperCard

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

World Plus SuperCard
Pros
  • Users can Convert up to their 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 available on cash limit from all ATMs in India up to your billing date; maximum period of 50 Days. 

  • Reward Benefits for users: Get 2 Reward Points per Rs.100 you spend Spend Rs.3,00,000 in a year and get 20,000 Reward Points. Cross spend level of Rs.5,00,000 in a year and get additional 20,000 Reward Points. 

  • Avail 5% discount on your dining spends, via 20 Reward Points that you earn for every Rs. 100 spent. (Maximum Reward Points = 2,000 per month) 

  • Avail 5% discount on your International spends, via 20 Reward Points that you earn for every Rs. 100 spent. (Maximum Reward Points = 2,000 per month) 

  • Get 8 free* visit in a year, at domestic lounges at all major airports in India. Fill vehicle's fuel tank at any place, at absolutely no extra cost. 

  • Get a fuel surcharge waiver of up to Rs.200 per month 

  • Get 1+1 free movie ticket (Up to Rs. 200), on BookMyShow, twice a month on any day of the week. 

  • Complimentary – Priority Pass Membership worth $99 World Plus SuperCard is accepted worldwide. 

  • Users can buy in any currency and pay back later in Indian Rupees Cash Advance program that fulfills your short-term cash requirements. 

  • You also enjoy a credit-free period of up to 50 days as an added benefit on your Card membership. 

  • Xpress Cash allows you to get an instant loan within your credit limit. 

  • Transfer Balance from other Credit Card facility available Buy Now, Pay Later Get cash instantly and pay back in instalments with Dial for Cash. program. 

  • Get a pre-approved loan without blocking the credit limit of your 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
Welcome Benefit: Get 20,000 Reward Points on payment of joining fees and spends of Rs. 2,000 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 

  • Get 2 Reward Points per Rs.100 you spend Spend Rs.3,00,000 in a year and get 20,000 Reward Points. 

  • Avail 5% discount on your dining spends, via 20 Reward Points that you earn for every Rs. 100 spent. (Maximum Reward Points = 2,000 per month) 

  • Avail 5% discount on your International spends, via 20 Reward Points that you earn for every Rs. 100 spent. (Maximum Reward Points = 2,000 per month).

  • 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

Here are some of the key benefits of the card: 

  • 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
World Plus SuperCard

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.

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

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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

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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