Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
The Platinum Shopgain SuperCard by RBL Bank is a shopping credit card specifically curated to offer benefits on all utility bill payments and other expenses. Apart from this, the credit card also offers benefits across other categories such as entertainment and travel. The RBL Bank Platinum Shopgain SuperCard comes with an annual fee of Rs.1,499 and a finance charge of 3.99% per month.
| Welcome Benefit |
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| Supercard benefits |
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| Reward points |
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| Entertainment Benefits |
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| Travel Benefits |
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| Emergency Advance |
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| Set Pin instantly |
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| Manage your card anytime |
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| Avail cash on card | Avail pre-approved loan without having to block the credit limit of your card. Pay back the loan in easy installments with the advantage of multiple tenure options. |
| Buy now, pay later | You can avail the Split n Pay program where you can convert spend of Rs.3,000 and above into monthly EMIs and pay them back at lower interest rates. |
| Transfer balance | Transfer your outstanding amount on your other credit card to your Platinum Shopgain SuperCard and clear them at lower interest rates. |
| Xpress Cash | Get instant loan within your credit limit to meet any cash requirements. |
| Cash advance | Fulfill your short-term cash requirements by availing this feature and enjoy a credit free period of up to 50 days. |
| Contactless transactions | Use the tap and pay feature to make purchases for up to Rs.5,000 where the card never leaves your hand. |
| Hassle-free payments | Pay your bill in a hassle-free manner through various online channels. |
| Global acceptance | This card is accepted globally. |
| Safe and secure |
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| 24x7 customer service | Call the number +91 22 7119 0900 or send a mail to supercardservice@rblbank.com in case of any query. |
The credit limit on the RBL Bank Platinum Shopgain SuperCard is assigned at the discretion of the bank. RBL Bank takes many factors into consideration before assigning the credit limit for the RBL credit card. Some of these factors include the credit score of the applicant, credit utilisation ratio along with the repayment habits of past dues.
| Type of Charge | Amount |
|---|---|
| Joining fee | Rs.1,499 |
| Annual fee | Rs.1,499 |
| Over limit penalty | Rs.600 |
| Cash advance transaction fee | 2.5% of the cash amount (minimum of Rs.500) |
| Finance charge | Up to 3.99% per month |
| Add-on card fee | Nil |
| Card replacement fee | Nil |
| Charge slip retrieval fee | Rs.100 |
| Duplicate statement fee | Nil |
| Cheque return | Rs.500 |
| Cash payment at branches | Rs.250 per deposit |
| Fuel transaction fee | 1% surcharge |
| Rewards redemption fee | Rs.99 |
| Surcharge on Railway tickets | As per IRCTC |
| Foreign currency transaction | 3.50% |
| Reward Redemption Fees | Rs.99 |
| Value Prop | Value (in Rs) |
|---|---|
| Welcome reward points: 6,000 reward points (No welcome rewards will be given to First Year Free cards) | 1,500 |
| 1+1 on BookMyShow (up to 200 per month) twice a month | 4,800 |
| Milestone: Zomato Pro-Voucher/Amazon Prime Voucher - on spends of Rs.2 lakh annually | 1,000 |
| Spend Based Waiver: Spend Rs.1.5 lakh in a year and get waiver of next year annual fee | 1,500 |
| Milestone: 10,000 reward points on spends of Rs.3 lakh and above | 2,500 |
| Milestone: Additional 10,000 reward points on spends of Rs.4 lakh and above | 2,500 |
| 25 Reward Points for every Rs.100 spent on payment of utility bills and up to 500 Reward Points p.m. | 1,500 |
| 4 Complimentary domestic lounge access | 6,000 |
| 1 Reward point for every Rs. 100 spent | 125 |
| Total benefits p.a. | 21,425 |
Yes, there is a waiver on the annual fee of the RBl Bank Platinum Shopgain SuperCard. The credit card comes with an annual fee of Rs.1,499. However, for annual spends pf Rs.1,50,000 in a year, the annual fee will be waived for the next year.
On paying the joining fee and on spending Rs.2,000 within the first 30 days of card issuance, you will receive 6,000 reward points.
Yes, under the entertainment benefits of the credit card, you will receive an offer of 1+1 on movie tickets twice every month.
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