RBL Bank
Gold · Bajaj Finserv
RBL Bank Bajaj Finserv Credit Card
RBL Bank
Reward points on every spend with exclusive EMI benefits
Annual Fee
₹999
Joining Fee
₹999
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,821
Total Annual Benefits
₹4,000
Total Annual Charges
₹1,179
ROI
339%
Fee Waiver Available
Annual fee waived on spending ₹1 Lakh in the preceding year — ₹1,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Reward Points (1)
2 Reward Points per ₹100
Earn 2 reward points per ₹100 on all retail spends
- • Excludes cash advances and quasi-cash
2 RP per ₹100
EMI Benefits (1)
Exclusive EMI Benefits at Bajaj Finserv Partners
Zero-cost EMI conversion at Bajaj Finserv partner stores with preferential processing
- • At Bajaj Finserv partner stores only
- • Subject to product eligibility
Zero-cost EMI
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on fuel transactions
- • Valid on transactions ₹500–₹4,000
- • Max ₹200 per statement cycle
1% waiver
₹2,400/yr
Reward Program
Program
RBL Reward Points
2 reward points per ₹100
Effective cashback: 0.50%
Points expire: 2 years from date of accrual
Redemption Options
- → Gift cards and vouchers
- → Merchandise from rewards catalogue
- → Statement credit
Milestone Bonuses
2,000 bonus reward points on spending ₹1 Lakh annually
Spend ₹1,00,000 annually
2,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹999 Excluding GST |
| Annual Fee | ₹999 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,000
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 3.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹200/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹20,000
- Min. Annual Income
- ₹2,50,000
- Min. Credit Score
- 680
- Age Range
- 21 – 60 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹20,000
- • Self-Employed: ITR > ₹2.5 Lakh p.a.
- • Subject to credit assessment
Airport Lounge Access
Domestic
0 visits/year
Not included
International
0 visits/year
Not included
- • Lounge access not included with this card
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,50,000
Contactless / Txn
₹2,000
Features
Contactless payments EMV chip security Domestic usage Add-on cards available EMI conversion facility Zero-cost EMI at Bajaj Finserv partners Preferential processing at Bajaj outlets RBL mobile app and online banking
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.25%
Tenure Options
3, 6, 9, 12, 18, 24 months
Ready to Apply?
The RBL Bank Bajaj Finserv Credit Card offers 2 reward points per ₹100 on all spends with exclusive EMI conversion benefits at Bajaj Finserv partner s...
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