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

RBL Bajaj Finserv SuperCard Platinum Plus

21
Ranked #163 of 170 in credit
creditVisa/MastercardEntry-Mid

RBL Bank's mid-tier Bajaj Finserv co-branded card offering a strong 12X online reward rate and interest-free cash features, but recently devalued by the 2025 removal of lounge access that was previously a key differentiator at this fee tier.

Score breakdown

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

Reward value5/100 · weight 71%
≈ 0.26% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.
No rewards on: rent, utilities, insurance. Reward score is scaled by ×(1 − 3.5%), 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 efficiency91/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks4/100 · weight 9%

Fees

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

Joining fee
₹999 + 18% GST
= ₹1,179 total
Annual fee
₹999 + 18% GST
= ₹1,179 / 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
online_shoppingpoints0.75%(3 pts @ ₹0.25)—12 pts/Rs100 online/Bajaj Finserv app = 3% at Rs0.25/pt
online_spendspoints0.25%(1 pts @ ₹0.25)——
diningpoints0.25%(1 pts @ ₹0.25)——
fuelpoints0.25%(1 pts @ ₹0.25)——
groceriespoints0.25%(1 pts @ ₹0.25)——
travelpoints0.25%(1 pts @ ₹0.25)——
all_spendspoints0.06%(0.25 pts @ ₹0.25)—1 pt/Rs100 offline base rate

Welcome offer

Welcome bonus points on joining fee payment + Rs2,000 spend within 60 days

Milestone benefits

Pros

  • Strong 12X online/Bajaj Finserv app reward rate (12% headline)
  • interest-free emergency cash advance and cash withdrawal features
  • BOGO movie tickets
  • large established user base (1M+)

Cons

  • DEVALUATION: lounge access removed in 2025 (previously a headline feature at this tier)
  • offline spend reward rate very low (1pt/Rs100 = ~0.25%)
  • heavily skewed toward online/Bajaj ecosystem spending

What's inside

More benefits

  • BOGO movie tickets

    ₹200

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

    Cap ₹2,400 / monthly. Once/month

Insurance cover

text
₹NaN

Eligibility

text
Age 21-65; 1 million+ existing users per RatingOK (2026)

Small print

Fuel surcharge:1% waiver, standard range