Bajaj Finserv RBL Bank Platinum ValuePlus & Choice SuperCard Series
RBL Bank • Mastercard / Mastercard / Mastercard
India premier 4-in-1 card: Credit card, Cash card (50-day interest-free ATM cash withdrawal), Loan card (instant transfer to bank account), and EMI card. ValuePlus offers 10% fuel cashback (max ₹250/mo), 1+1 BMS movie tickets monthly; Choice offers 2X online rewards (max 1,000 pts/mo), 10% BMS discount
Underwriting & Income Cutoffs
warningMonthly ₹250 Ceiling on 10% Fuel Cashback (ValuePlus)
The 10% fuel cashback on Platinum ValuePlus SuperCard is strictly capped at ₹250 per month, exhaustible on ₹2,500 fuel spend.
Platinum ValuePlus par 10% fuel cashback har mahine maximum ₹250 tak hi milta hai, jo ₹2,500 ke petrol/diesel par reach ho jata hai.
Source: Bajaj Finserv RBL Bank Platinum ValuePlus Product Terms Section 2
warning2.5% Processing Fee on Interest-Free ATM Cash Withdrawal
While marketed as 50 days interest-free cash withdrawal from ATMs, a mandatory upfront processing fee of 2.5% (minimum ₹500) is charged on every cash withdrawal.
ATM se interest-free cash nikalne par 2.5% ya minimum ₹500 ka upfront processing fee turant charge hota hai.
Source: Bajaj Finserv RBL SuperCard MITC Clause 4.1
warningComplete MCC Exclusions on Rent, Utilities, and Wallets
Effective October 15 2024 transactions on Utilities (4900), Rent (6513), Wallet (6540), Education, Govt, and Fuel earn 0 points and are excluded from fee waiver thresholds.
Rent, utilities, wallet recharge aur school fees par koi reward points nahi milte aur na hi annual fee waiver spend me count hote hain.
Source: RBL Bank Notice on MCC Revisions October 2024
Calculate Your Real Annual Profit on Bajaj Finserv RBL Bank Platinum ValuePlus & Choice SuperCard Series
Drag the slider to your estimated monthly card spend to project net monetary yield.
The Math Behind Bajaj Finserv RBL Bank Platinum ValuePlus & Choice SuperCard Series
Bajaj Finserv RBL Bank Platinum ValuePlus & Choice SuperCard Series (RBL Bank) un logon ke liye design kiya gaya hai jo SHOPPING categories me spend karke 10% tak ka value back chahte hain. Lekin ₹499 (+18% GST) ki annual fee ke sath, asli net profitability aapke merchant categories, waiver spend milestones aur hidden exclusions par depend karti hai.
• Partner Merchant Spends (10% return): Fee recover karne ke liye sirf ₹416 / mahina (₹4,990 / saal) spend zaroori hai.
• Regular Offline Spends (10% base return): Fee recover karne ke liye lagbhag ₹416 / mahina spend karna hoga. Isse kam spend karne par annual fee ki wajah se net return loss me chala jayega.
1. Merchant Tier Accelerators & Multipliers
Amazon, Flipkart, Myntra aur partner portals par spend karne par 5% se 10% tak ke accelerated reward multipliers milte hain. Par dhyan rahe ki yeh bonus rate sirf specific partner checkout par hi valid hota hai, normal offline retail swipes par standard 1% base rate hi milta hai.
2. Monthly Category Caps & Spending Ceilings
Sabhi accelerated shopping cards par monthly capping ya category spend ceiling hoti hai (jaise ₹1,000 se ₹1,500 maximum monthly cashback). Is limit ke cross hote hi earn rate drop hokar regular 1% ho jata hai, isliye festive sales me spend limit monitor karna zaroori hai.
3. Voucher Expiry vs Statement Credit Friction
Earn kiye gaye points ko direct statement credit me lene par bank ₹99 + 18% GST redemption fee charge kar sakta hai. Brand vouchers me redeem karne par 12-24 months ki expiry aur category lock-in ka dhyan rakhna zaroori hai taaki points expire na hon.
check_circleKise Lena Chahiye (Who Should Apply):
Agar aapka natural monthly kharcha SHOPPING merchants par hota hai aur aap saal me ₹4,990 ka spend aaram se cross kar lete hain.
cancelKise Bilkul Nahi Lena Chahiye (Who Should SKIP):
Agar aapka kharcha offline dukanon, petrol ya rent par zyada hota hai, ya online spend ₹416/mahine se kam hai, toh is card ko skip karein kyunki fee recover nahi hogi.
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Frequently Asked Questions
What is the annual fee of Bajaj Finserv RBL Bank Platinum ValuePlus & Choice SuperCard Series and how can it be waived?expand_more
Bajaj Finserv RBL Bank Platinum ValuePlus & Choice SuperCard Series ki joining aur annual renewal fee ₹499 + 18% GST (Total: ₹588.82) hai. Agar aap pichle saal me ₹1,00,000 ya usse zyada spend karte hain, toh renewal fee 100% reverse (waive) ho jati hai.
What is the minimum salary required for Bajaj Finserv RBL Bank Platinum ValuePlus & Choice SuperCard Series?expand_more
Salaried applicants ke liye minimum net in-hand monthly salary ₹25,000 aur 750+ CIBIL score hona zaroori hai. Self-employed applicants ke liye ₹6.0 Lakhs+ annual ITR mandatory hai.
What are the ATM cash withdrawal and international forex charges?expand_more
ATM se cash withdraw karne par 2.5% (minimum ₹500) cash advance fee aur pehle din se finance charges lagte hain. International foreign currency spends par standard 3.5% forex markup + 18% GST deduct hota hai.
How does Bajaj Finserv RBL Bank Platinum ValuePlus & Choice SuperCard Series reward point redemption work?expand_more
Earn kiye gaye points ko statement cash ya partner shopping vouchers me redeem kar sakte hain. Statement credit lene par 1 point lagbhag ₹0.25 ka hota hai aur bank ₹99 + 18% GST redemption fee charge karta hai.
• Data Authority: Audited against official bank Most Important Terms and Conditions (MITC) Schedule.
• Regulatory Reference: Reserve Bank of India (RBI) Credit & Debit Card Directions 2022/2024.
• Verification: Independent research conducted by EQUIS Intelligence Labs • Last verified: September 2026.