MyFirst Super Card
Rewards & Benefits
Welcome Benefits
Welcome Benefit: Users will get 2,000 reward points as welcome benefit on payment of joining fees and minimum spending of Rs. 2,000 within 30 days of card issuance (No welcome rewards will be given to First year free cards).
Milestone Benefits
Cashback Rate
Users will be rewarded with 1 RBL reward point for spending INR 400.
Value of 1 RBL reward point INR 0.25. General cashback rate 0.0625%.
8 reward points for every Rs. 400 spent on education and on bill payment. Effective cashback rate: 0.50%.
Movie Benefits
Dining Benefits
Other Benefits
Easy Cash: Unlimited interest-free withdrawal of available cash limit from all ATMs in India up to billing date; maximum period of 50 Days. Emergency advance: Convert up to the available cash limit into a personal loan for 3 months with zero processing fee and an interest rate of 1.16% per month. Users can convert the available cash limit into a three-month Personal Loan at a 1.16% interest rate per month and no processing fee.; Users get an unlimited interest-free withdrawal of their available cash limit from all ATMs in India up to their billing date; maximum period of 50 Days.; Xpress Cash: It is a unique feature that allows users to get an instant loan within their credit limit. Users can pay back in easy instalments and enjoy a host of benefits such as document-free process and paperless money transfer.; Cash Advance program that fulfils the short-term cash requirements. Users also enjoy a credit-free period of up to 50 days as an added benefit.
Lounge Access
Fees & Charges
Joining Fee
s: Rs 999 & add-on cardholder
Annual Fee
Annual membership Fees: 999 + GST
Cash Advance Fee
Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500)
Interest rate
Interest Rates/ charges: upto 3.99% p.m (upto 47.88% p.a)
Late Payment Fee
Late Payment fees: Up to Rs.100 - ZeroLate fee. Above Rs.100 -12.5% of total due amount (Max Rs. 1300/-)
Foreign Currency Transactions Fee
Foreign Currency Transaction Fees: 3.5%
Other Fees
Finance charges/ Interest Charges: upto 3.99% p.m (upto 47.88% p.a) | Reward Redemption fees: Rs 99 | EMI Processing fees : Rs 199 + GST
दोष
- Very low cashback rate.
- Lacks standard features like free lounge visits.
- Limited value add features.
Welcome Benefit: Users will receive 2,000 reward points as a welcome benefit upon paying joining fees and making a minimum spending of Rs. 2,000 within 30 days of card issuance (no welcome rewards will be given to first-year free cards).
Reward System: Users will be rewarded 1 RBL reward point for spending INR 400. Value of 1 RBL reward points INR 0.25. General cashback rate 0.0625%. 8 reward points for every Rs. 400 spent on education and on bill payment. Effective cashback rate: 0.50%.
Users can convert the available cash limit into a three-month Personal Loan at a 1.16% interest rate per month and no processing fee.
Users get an unlimited interest-free withdrawal of their available cash limit from all ATMs in India up to their billing date; maximum period of 50 Days.
Xpress Cash: It is a unique feature that allows users to get an instant loan within their credit limit. Users can pay back in easy instalments and enjoy a host of benefits such as document-free process and paperless money transfer.
Cash Advance program that fulfils the short-term cash requirements. Users also enjoy a credit-free period of up to 50 days as an added benefit.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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Eligibility Criteria
Nationality: Indian
Age: 21 to 70 years.
Employment and Credit Score: At bank's Discretion
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
You can apply for the RBL Bank + Bajaj Finance MyFirst Super Card online or through a bank branch.
Here are the steps on how to apply online:
Go to the RBL Bank website and click on the "Apply for Credit Card" tab. Select the RBL Bank + Bajaj Finance MyFirst Super Card from the list of cards.
Enter your personal and financial information.
Submit a copy of your PAN card and income proof.
Click on the "Submit" button.
A RBL Bank representative will contact you to verify your information and complete the application process.
सम्पर्क करने का विवरण
RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Welcome Benefit: Users will receive 2,000 reward points as a welcome benefit upon paying joining fees and making a minimum spending of Rs. 2,000 within 30 days of card issuance (no welcome rewards will be given to first-year free cards).
Reward System: Users will be rewarded 1 RBL reward point for spending INR 400. Value of 1 RBL reward points INR 0.25. General cashback rate 0.0625%. 8 reward points for every Rs. 400 spent on education and on bill payment. Effective cashback rate: 0.50%.
Users can convert the available cash limit into a three-month Personal Loan at a 1.16% interest rate per month and no processing fee.
Users get an unlimited interest-free withdrawal of their available cash limit from all ATMs in India up to their billing date; maximum period of 50 Days.
Xpress Cash: It is a unique feature that allows users to get an instant loan within their credit limit. Users can pay back in easy instalments and enjoy a host of benefits such as document-free process and paperless money transfer.
Cash Advance program that fulfils the short-term cash requirements. Users also enjoy a credit-free period of up to 50 days as an added benefit.
- Very low cashback rate.
- Lacks standard features like free lounge visits.
- Limited value add features.
The RBL MyFirst Super Card offers a combination of credit card features, emergency loan access, educational loan assistance, and reward points, catering to the diverse needs of young professionals and students. However, the lower reward rate compared to premium cards, limited redemption options, joining and annual fees, and potential customer service concerns are important drawbacks to consider.
The RBL MyFirst Super Card offers a combination of credit card features, emergency loan access, educational loan assistance, and reward points, catering to the diverse needs of young professionals and students. However, the lower reward rate compared to premium cards, limited redemption options, joining and annual fees, and potential customer service concerns are important drawbacks to consider.
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
उत्पाद समीक्षा
फीस एवं प्रभार
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ईंधन अधिशुक्ल
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Billing Cycle
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