RBL Platinum ShopSmart SuperCard Review

The RBL Platinum Prime SuperCard is an innovative MasterCard credit card from the RBL Bank of India. This RBL bajaj finserve credit card is specifically created for shopaholics. This card comes with a built-in EMV chip that enhances the convenience and security of your card. It also comes with a big welcome benefit, reward programme, movie benefit, dining offers, milestone reward, instant loan facility, add-on facility, balance transfer facility, anytime cash withdrawal, EMI option, easy pin set up option, and worldwide acceptance. Let’s take a closer look at the rbl super card’s advantages.

ShopSmart RBL 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) is required to apply for this card.

The RBl card online application portal is where you may apply for this card. After you’ve successfully submitted your rbl credit card application, you may check the status of your rbl super credit card application using your application id on the application status monitoring page.

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.

ShopSmart RBL Bajaj Finserv Credit Card Fees:

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

ShopSmart RBL Platinum Supercard Benefits:

An attractive gift to welcome you:

As a welcome gift, you will receive a Rs. 500 gift certificate when you receive your rbl platinum card. To qualify for the bonus, you must pay your yearly fee on time and make a purchase of Rs. 2000 with this card within 30 days of receiving it.

Exclusive cash-back on every transaction you make:

This rbl bank credit card provides you with great grocery cash-backs. Every grocery transaction will earn you up to 5% cash back. You will also receive Rs. 1,000 Cash-Back if you spend Rs. 1,00,000 on your rbl bank platinum credit card in a year.

Free access to make your journey more comfortable:

This bajaj finance rbl credit card provides two complimentary lounge visits per year at certain domestic lounges. You will only be granted one access every quarter.

Free movie tickets to make your evening more delightful:

If you purchase a movie ticket with BookMyShow, you will receive a free second ticket. You can only use this offer once every rbl bank credit card statement cycle, with a maximum ticket value of Rs. 200.

Opportunity to make your card lifetime free:

If you spend Rs. 50,000 using your card in a year, the following year’s annual charge will be waived.

Instant loan facility to give you financial support during emergencies:

With this Bajaj rbl credit card, you can acquire a loan against your credit card virtually immediately. You can pay it off in monthly instalments. The minimum loan amount is Rs. 500, with a 2.5 percent processing fee. The RBl credit card loan calculator can help you figure out how much interest you’ll have to pay and how much you’ll have to pay each month.

Complimentary add-on cards 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 enjoy the features of credit card.

Transfer your outstandings to enjoy a lower interest rate:

You can use the rbl balance transfer option to transfer the balances from your other cards to this rbl platinum credit card to get a cheaper interest rate and more time to pay off your debt.

Split your high-ticket transaction into parts using the EMI payment option:

You can convert your payments (above Rs. 3000) into EMIs with this card. For frequent shoppers, this RBL credit card feature is really useful. The RBl card EMI calculator can also be used to calculate the applicable rbl credit card emi interest rate.

Get complete control over your account using the MyCard app:

RBL allows you complete control over your account; you may check your credit card bill, check your monthly rbl credit card statement, track your activity, make your EMI instalments, and so on, using the RBl bajaj credit card online banking account.

Transact anywhere in the world:

This RBL Bajaj shopping card is accepted worldwide; you can use it at any retailer or e-commerce site that accepts MasterCard credit cards.

Easy PIN Set-up procedure to give you a seamless credit card experience:

You can simply change the pin on your RBL Bajaj Finserv credit card using the MyCard app. It only takes a few minutes.

Option to set a monthly budget for yourself:

You can set a spending restriction for yourself with the help of the rbl my card app. It aids in the creation of a monthly budget.

Convenient bajaj finserv credit card payment options:

To pay your monthly credit card bill, you do not need to go to any RBL branch. You can pay your monthly credit card bill online using your rbl credit card net banking or any credit card bill payment app. If you don’t have access to the choices listed above, you can pay your rbl bank credit card bill with neft, check, or an ATM near you.

An advanced EMV chip to make your card much more secure:

A built-in EMV chip is included with this ShopSmart bajaj finserv rbl credit card. Your transactions will be more secure and convenient as a result of it. If you discover anything unusual with your account, you should contact the rbl bajaj credit card customer service number right away. You can also use your RBL online banking account to temporarily block your credit card account.

ShopSmart Bajaj Finserv RBL Bank Credit Card Charges:

ParticularsPayable amount
RBL bank credit card cash withdrawal charges2.5% against the transaction amount, min Rs. 500 (Check your RBL credit card limit before making a withdrawal)
RBL bajaj finserv credit card finance charges3.99% monthly (Applicable even if the credit card minimum amount due is paid)
Foreign currency transaction3.50% against the transacted amount
RBL add on card feeNone

RBL Credit Card Customer Service Contact Details:

  • 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: [email protected] 

Cashback beta Ratings:

3.5/10

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. 

This bajaj finserv super credit card does not offer benefits on other shopping categories like clothing, electronics, which makes this card quite incomplete. So if you want a complete shopping card then you can take a look at the Cashback beta top 10 credit card page. You can also compare the alternative card options given below.

Alternative Cards: 

  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)