Bajaj Finserv Shop Smart SuperCard Review

Bajaj Finserv Shop Smart SuperCard is a collaboration of RBL with Bajaj Finserv. This card is specially designed to fulfill your daily needs. The awesome benefits of the card are – Big welcome gift, Milestone benefit, Benefit on groceries, Big annual savings, Instant loan facility, Anytime cash withdrawal, EMI facility, Add on facility, Balance transfer, Online, EMV security, Worldwide acceptance, etc. Let’s discuss the card in detail. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above ₹25,000 monthly.
  • Good CIBIL Score (750 or more).

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹499 + GST
  • Annual Fee: ₹499 + GST


  • Welcome benefit:

With the issuance of the card, you will get a ₹500 gift voucher as a welcome gift. To get the benefit you only have to pay your annual fee in time and make a purchase of ₹2000 with this card within 30 days of card issuance.

  • Cash-Back:

This card offers a big Cash-Back on groceries you will get a 5% Cash-Back on your spending on groceries. You can earn a Maximum of ₹250 Cash-Back in a month. 

Also if you can spend ₹1,00,000 with your card within a year you will get ₹1,000 Cash-Back.

  • Big Savings:

With the unique features and benefits offered by this card, you can save up to ₹50,000 in a month. The annual savings will depend on your spending and usage of the card. 

  • Instant Loan facility:

This card allows you to get a loan against your credit card almost instantly. You can pay it back with monthly EMIs. Min loan amount – ₹ 500, Processing fee – 2.5%.

  • Add-on facility:

You can share the awesome features of your cards with your loved ones. Just add your loved ones, (min age – 18+) with your card and they can also the features of a credit card.

  • Balance transfer:

You can transfer the balance of your other cards to this card to get a lower interest rate. 

  • ATM Cash Withdrawal:

With this card, you can withdraw cash from any ATMs with an interest-free period of 50 days. 

  • Instant Approval:

If you apply online you may enjoy the benefits of instant approval. You have to fulfill the eligibility criteria and submit some basic documents.  

  • EMI facility:

With this card, you can convert your payments over ₹3000 into EMI. This feature is very helpful for frequent shoppers. 

  • Global Acceptance:

This card is globally accepted, you can use this card at any outlet or e-commerce site where the MasterCard Credit Cards are accepted.  

  • EMV Chip Card:

This card comes with a built-in EMV Chip. It adds more security and convenience to your transactions.


  • Cash Withdrawal Charge: 2.5% against the transaction amount, min ₹500.
  • Finance Charge: 3.99% monthly. 
  • Foreign currency transaction: 3.50% against the transacted amount. 

Contact Details:

Call: 022-7119-0900

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you are looking for a low-cost card for your daily use, then this card can be helpful for you. It offers a big Cash-Back benefit, big annual savings, EMI facility, balance transfer facility, global acceptance, etc. But the main aspect of the card is the Instant loan facility, it allows you to get a loan against your total credit limit instantly. So as a low-cost credit card it can be a good option for you. 

But if you want to spend a little more to have some extra benefits then you can go for HDFC Bank Millennia Credit Card, or HSBC Cash-Back Credit Card, both cards offer excellent benefits for their users. 


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