RBL Platinum ShopSmart SuperCard Review

When it comes to attractive shopping and lifestyle benefits at an affordable rate, there are a few credit cards that can be compared with the rbl platinum shopsmart supercard. Targeting the educated class of Indian credit card users this RBL bajaj finserve credit card offers attractive cashback on shopping expenses, free access to airport lounges, attractive deals on movie tickets, and lots more. More about the rbl super card benefits are discussed below.

How does the ShopSmart rbl credit card eligibility work?

  • Resident Type: Indian. 
  • RBL bank credit card eligibility criteria for salaried person:
    • Age: 21 to 60 yrs. 
    • Income: Above Rs. 25,000 monthly. 
  • RBL bank credit card eligibility criteria for self-employed person:
    • Age: 21 to 65 yrs. 
    • Income: Above Rs. 25,000 monthly.
  • A good CIBIL Score (750 or more) is required to apply for this rbl bank super card.

With the successful submission of your rbl credit card application you will get a unique application id. You can use that to track your rbl super credit card application status.

Documents required to apply for ShopSmart bajaj finserv 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 RBI regulations, all new bajaj finserv cards are delivered in an inactive state. And to start using them the users need to activate those cards by generating a new credit card pin. You can find more about the RBL bajaj finance card activation process from the 100xGain faq page.

How much does this RBL bajajfinserv credit card cost?

  • ShopSmart rbl bajaj finance credit card joining fee: Rs. 499 + GST
  • RBL platinum credit card annual fee: Rs. 499 + GST

What are the ShopSmart rbl platinum supercard benefits?

  • An attractive gift to welcome you:

As you pay the first-year joining fee and perform a total of Rs.2,000 transactions within the first 30 days of rbl platinum card activation, you will get a gift voucher of Rs.500. 

  • Add more value to your transactions:

This rbl bank credit card offers a 5% cashback on every transaction you make on groceries. Also if you can spend Rs. 1,00,000 with your rbl bank platinum credit card within a year you will get a gift voucher with Rs. 1,000.

  • Add luxury to your travel:

Using this bajaj finance rbl credit card you can get up to 2 free accesses per year at most of the premium domestic airport lounges. You can get a maximum of 1 free access per quarter.

  • Make evenings entertaining:

If you use this bajaj finserv co brand credit card to book a movie ticket from BookMyShow, you will get another one completely free(max ticket value Rs.200). This rbl card movie offer is available once in an rbl bank credit card statement cycle. 

  • There is always a way to earn more:

With your rbl bank platinum credit card you can also earn some bonus rewards. 

Card usage

Benefit

Rs.1,00,000 within a year

A gift voucher of Rs.1,000

Rs.50,000 within a year

A complete waiver on next year’s rbl platinum credit card annual fee

  • Get instant loan against your card:

This bajaj rbl credit card allows you to get an instant loan (Min Rs.500) against your credit limit at an affordable interest rate and a processing fee of just 2.5%. You can repay the loan amount back in small monthly instalments. You can calculate the monthly instalments from the RBl credit card loan calculator.

  • Transfer credit card outstanding at a minimal cost:

Using the rbl balance transfer facility, you can transfer the outstanding of your other cards to this rbl platinum credit card to get a lower interest rate and also some extra time to clear off your outstanding. 

  • Enjoy easy bill splitting:

This RBL credit card feature allows you to split your high-value transactions into small monthly installments at an affordable interest rate. You can calculate the applicable rbl credit card emi interest rate and monthly installment amount using the rbl credit card emi calculator.

  • Get the controls at your fingertips:

RBL gives you total control over your RBL bajaj shopping card account, with the help of the rbl my card app, you can do a lot of things, you can pay your credit card bill, check your monthly rbl credit card statement, monitor your activity, pay your EMI instalments, etc. 

  • Make your rbl credit card payment instantly:

RBL allows you to pay your monthly credit card bill online from your rbl credit card net banking account by using any credit card bill payment app like Cred, Google Pay, Paytm, Phone pe, etc. 

  • Cutting edge security:

This ShopSmart bajaj finserv rbl credit card that comes with a built-in EMV Chip. These chips use a new generation encryption method to store your data making your RBL shopping credit card nearly impossible to clone.

But fraudulent transactions can happen anytime. If you notice something suspicious with your rbl bajaj finserv credit card account, you should immediately inform it by calling the rbl bajaj credit card customer care number, You can also temporarily block your credit card account using the RBL online banking account

What are the ShopSmart bajaj finserv rbl bank credit card charges?

Particulars

Payable amount

RBL bank credit card cash withdrawal charges

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

RBL bajaj finserv credit card finance charges

3.99% monthly (Applicable even if the credit card minimum amount due is paid)

Foreign currency transaction

3.50% against the transacted amount

RBL add on card fee

None

How to contact the rbl credit card customer service department?

  • Call the bajaj rbl credit card customer care no: 022-7119-0900 (Super Card Customers) or 022-6232-7777
  • Write to the rbl credit card email id: supercardservice@rblbank.com 

100xGain Ratings:

3.5/10

Pros and cons of the rbl shop smart card:

Pros

Cons

  • You will get an attractive discount on groceries.
  • You can get up to 2 free access to domestic airport lounges.
  • This rbl bajaj credit card also offers some free movie tickets.
  • This rbl super card does not have any dining benefits.

Final Opinion:

This rbl bank bajaj finserv credit card is best for those who want a credit card that can earn then Cash-Back on groceries and also provides some premium benefits like lounge access. You will get a 5% Cash-Back on groceries, 1 free lounge access per quarter, free movie tickets, an annual fee waiver, etc. 

But this bajaj finserv super credit card does not offer benefits on other shopping categories like clothing, and electronics, which makes this bajaj finserv super card quite incomplete. So if you want to compare some alternative options then make sure to take a look at the alternative card options given below.

Alternative cards of the Shop Smart bajaj finance super card: 

  1. Axis bank my wings credit card (Best for cashback and lounge access benefits)
  2. HDFC bank regalia first credit card (Best for cashback and lounge access benefits)
  3. ICICI bank ferrari platinum credit card (Best for cashback and lounge access benefits)
  4. Yes prosperity cashback plus credit card (Best for cashback benefits) 

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