RBL Platinum Bonus SuperCard Review

RBL Platinum Bonus SuperCard is a co-branded credit card lineup that RBL has launched in association with another financial institution named Bajaj Finserv. These cards are called Supercard because of the instant loan facility that can be super helpful in case of emergencies.  

The RBL Platinum Bonus SuperCard is one of them. This rbl bank bajaj finserv credit card is designed to handle your everyday expenses. Making your everyday transactions beneficial, it offers reward points, EMI facility, a milestone benefit scheme, and lots of other useful features and benefits that will make your life much easier. This card is powered by MasterCard and the annual fee of the card is Rs. 999. More about the rbl platinum supercard benefits are discussed below. 

Platinum Bonus RBL Bank Credit Card Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly.  
  • For self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above Rs. 25,000 monthly.
  • A good CIBIL Score (750 or more) will help you to get a higher credit limit on this bajaj finance super card.

You can apply for this card from the online rbl bank credit card application portal. Once your rbl credit card application form is submitted, you can track your rbl super credit card application status from the application tracking page

Documents Required To Apply For Platinum Bonus Bajaj Finance RBL Card:

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report.

As per the new credit card rules, all new rbl bank credit cards are delivered in an inactive state. And to start using the cards, you need to activate them manually by generating a new credit card PIN. You can get some help with the RBL credit card pin generation process from the 100xGain FAQ page.

Platinum Bonus RBl Supercard Fees:

  • Platinum bonus rbl bajaj super card joining fee: Rs. 999 + GST
  • Platinum bonus rbl super card annual fee: Rs. 999 + GST

Platinum Bonus Bajaj Finserv RBL Bank Supercard Benefits:

  • A mindblowing gift to welcome you:

With the issuance of the bajaj finance rbl Supercard, you will get 6,000 reward points as a welcome benefit. To get the benefit you just have to pay the joining fee in time and you have to spend Rs. 2,000 within 30 days of your rbl credit card activation.  

  • Earn reward points from every transaction you make:

If you can 4 transactions of Rs. 1000 with your bajaj rbl platinum super card within a month, then you will get 1500 rbl credit rewards points. Also if you can spend Rs. 1,00,000 within a year you will get 5000 reward points. You can use those rbl credit card reward points for travel booking, mobile recharge, bill payment, etc.

You can also use them to get a product from the rbl credit card rewards catalog. You can check the status of your earned rbl credit card rewards points from the rbl bank credit card net banking account.

  • An opportunity to make your card free for a lifetime:

On spending Rs. 1,00,000 with your card within a year, you can get a complete waiver on the next year’s rbl platinum credit card annual fee.

  • Get an instant loan whenever you need it:

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

  • Lifetime free rbl add on card for your loved ones:

You can share the awesome features of your rbl platinum super card 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.

  • A very useful rbl credit card balance transfer facility:

You can transfer the balance of your other cards to this bajaj finance rbl credit card to get a lower interest rate and also some extra time to clear off your dues. 

  • Split your high-value purchases into EMI with a lower interest rate:

With this RBL bajaj platinum super card , you can convert your payments to over Rs. 3000 into EMI. This feature is very helpful for frequent shoppers. You can calculate the applicable rbl credit card emi interest rate and the payable monthly installments from the RBL emi calculator for credit card loans.

  • Get complete control over your account using the rbl bank credit card app :

RBL gives you total control over your account, with the help of the MyCard app, you can do a lot of things like; rbl bank credit card bill payment, check your rbl bank credit card statement, monitor your activity, pay your EMI installments, etc. 

  • A card that you can use anywhere in the world:

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

  • Option to set your own monthly budget:

With the help of the rbl my card app, you can set a spending limit for yourself. It helps to set a monthly budget.  

  • Convenient bajaj super card payment options:

RBL offers a very convenient and easy bill payment method for its customers. You can make your rbl card payment online via your net banking account, or by using any credit card payment app. But, if you don’t have access to the online rbl credit card bill payment options, then you can make rbl bank credit card payment through neft, Cheque, or from your nearby ATM.

  • Security of the advanced EMV chip:

This Platinum bonus bajaj finserv supercard comes with a built-in EMV Chip. It adds more security and convenience to your transactions. But fraudulent transactions can happen anytime, and if you notice something suspicious with your account, you should report it immediately by calling the rbl bajaj credit card customer care number.

Platinum Bonus RBL Credit Card Charges:

Particulars 

Payable amount

Bajaj finserv rbl bank credit card cash withdrawal charges

2.5% against the amount, min Rs. 500 (Check your RBL platinum credit card limit before making a withdrawal)

Bajaj finserv rbl bank super card finance charge

3.99% monthly (Applicable even if the minimum payment of credit card bill is paid)

Bajaj finance rbl super card currency transaction

3.5% against the transaction amount

RBL bajaj finserv super card add-on card fee

None

Bajaj Finance RBL Supercard Contact Details:

  • Call the rbl bajaj credit card customer care number: 022-7119-0900 (Super Card Customers) or 022-6232-7777
  • Write to the bajaj finance rbl credit card mail id: supercardservice@rblbank.com 

100xGain Ratings:

6/10

Final Opinion:

Now the question is whether you should go for this card or not? But before going to the final answer let’s talk about the advantages and disadvantages first. This bajaj finserv rbl bank card is good at earning reward points, the instant loan facility, EMI payment option, balance transfer facility, all are extremely useful features. But they are not enough to justify the Rs. 999 annual fee and this can be a dealbreaker. 

Therefore, I would not recommend this card. Instead, you can visit the 100xGain top 10 credit card page. You can also take a look at the alternative card opinions given below.

Alternative Cards: 

  1. ICICI Bank Platinum Identity Credit Card (Best for offering reward points)
  2. RBL platinum delight credit card (Best for reward points and fuel surcharge waiver)
  3. RBL Platinum TravelEasy SuperCard (Best for cashback and instant loan facility)
  4. SBI Dena Secured Credit Card (Best for offering credit convenience)

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