CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
RBL Bank

RBL Bajaj Finserv Supercard

27
Ranked #122 of 170 in credit
creditVisa/MastercardEntry

RBL Bank's entry-level co-branded card with Bajaj Finserv, notable mainly for unique interest-free emergency loan and cash withdrawal features — but devalued in 2025 with the removal of lounge access across the product family.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value10/100 · weight 71%
≈ 0.50% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.3% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent, insurance. Reward score is scaled by ×(1 − 3.0%), proportional to how much of the standard basket falls in these excluded categories (v4 formula, capped at −5%). Tip: pair with a card that covers these.
Fee efficiency96/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks4/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹499 + 18% GST
= ₹589 total
Annual fee
₹499 + 18% GST
= ₹589 / year total
Waiver: Not detailed in current sources; verify at MITC
Forex markup
3.5%

Lounge access

Domestic (per year)
0
International (per year)
0

Reward structure

CategoryTypeRateCapNotes
utilitiescashback5%₹83.333 / monthlyCashback events mapped into Bajaj EMI network portals periodically
online_spendspoints0.50%(2 pts @ ₹0.25)—2 points per Rs 100 executing regular app based spends
online_shoppingpoints0.50%(2 pts @ ₹0.25)—2 pts/Rs100 online
all_spendspoints0.25%(1 pts @ ₹0.25)—1 pt/Rs100 offline

Welcome offer

2,000 welcome reward points on Rs2,000 spend within 60 days (subject to joining fee payment)

Milestone benefits

Pros

  • Unique interest-free emergency loan (up to 90 days) and interest-free cash withdrawal (up to 50 days) — genuinely rare features
  • BOGO movie tickets on BookMyShow (Rs200 cap, once/month)
  • Bajaj Finserv partner store discounts

Cons

  • DEVALUATION: lounge access removed in 2025 across the entire Supercard family
  • modest reward rates (~1-2% typical)
  • overall rated "6.1/10" by independent reviewer CardTrail citing modest value for the fee

What's inside

More benefits

  • BOGO movie tickets

    ₹200

    Buy 1 get 1 free on BookMyShow, capped Rs200, once/month

    Cap ₹2,400 / monthly. One use/month

Insurance cover

text
₹NaN

Eligibility

text
Age 21-65; entry-level income criteria

Small print

Fuel surcharge:1% waiver, Rs500-4,000 range