RBL Bank Platinum Shopgain Credit Card – Benefits, Fees & Eligibility

Introduction

The RBL Bank Platinum Shopgain SuperCard is a shopping credit card issued by RBL Bank, designed to provide benefits across various spending categories, including utility bill payments, entertainment, and travel. It positions itself as a card that elevates living with key differentiating benefits such as 6,000 welcome reward points, free movie tickets every month at BookMyShow, and complimentary airport lounge access across India. The card also offers accelerated rewards on utility bill payments.

Welcome Benefits

• Receive 6,000 reward points upon payment of the joining fee and a minimum spend of Rs.2,000 within 30 days of card issuance.
• Note: Welcome rewards are not applicable to First Year Free cards.

Fees

• Joining Fee: Rs.1,499
• Renewal Fee (Annual Fee): Rs.1,499
• Spend-Based Waiver: The annual fee for the next year will be waived if annual spends reach Rs.1,50,000.
• Rewards Redemption Fee: Rs.99 per redemption.
• Foreign Currency Markup: 3.50% on foreign currency transactions.
• Interest Rates (Finance Charge): Up to 3.99% per month.
• Fuel Surcharge: 1% surcharge on fuel transactions.
• Cash Advance Charges: 2.5% of the cash amount, with a minimum of Rs.500.
• Over Limit Penalty: Rs.600.
• Add-on Card Fee: Nil.
• Card Replacement Fee: Nil.
• Charge Slip Retrieval Fee: Rs.100.
• Duplicate Statement Fee: Nil.
• Cheque Return Fee: Rs.500.
• Cash Payment at Branches: Rs.250 per deposit.
• Surcharge on Railway Tickets: As per IRCTC regulations.

Rewards

• Utility Bill Payments: Earn 25 reward points on every Rs.100 spent on utility bills, capped at a maximum of 500 reward points per month.
• Other Expenses: Earn 1 reward point on every Rs.100 spent on all other expenses.
• Movies: Enjoy a 1+1 offer on movie ticket purchases via BookMyShow, with a maximum value of Rs.200 per month. This offer can be availed twice every month.
• Domestic Lounge Access: Receive 4 complimentary visits to domestic airport lounges per quarter.
• Milestone Benefits:
  • Receive a Zomato Pro-Voucher or Amazon Prime Voucher on annual spends of Rs.2 lakh.
  • Earn 10,000 additional reward points on annual spends of Rs.3 lakh and above.
  • Earn an additional 10,000 reward points on annual spends of Rs.4 lakh and above.

Rewards Redemption Guide

• A fee of Rs.99 is applicable for each rewards redemption.

Important Product Details

• Welcome Bonus: Get 6,000 reward points on meeting initial spend criteria.
• Accelerated Rewards: Earn 25x reward points on utility bill payments.
• Entertainment Perks: Benefit from a 1+1 movie ticket offer on BookMyShow twice a month (up to Rs.200 value per month).
• Travel Comfort: Enjoy 4 complimentary domestic airport lounge accesses per quarter.
• Annual Fee Waiver: The annual fee can be waived for the subsequent year by spending Rs.1.5 lakh annually.
• Milestone Rewards: Unlock valuable vouchers (Zomato Pro/Amazon Prime) and significant bonus reward points on achieving annual spending milestones of Rs.2 lakh, Rs.3 lakh, and Rs.4 lakh.
• SuperCard Benefits:
  • Convert your available cash limit into a personal loan for 90 days at no interest (a processing fee of 2.5% of the amount, minimum Rs.500, applies).
  • Withdraw your available cash limit from any ATM in India up to your billing date at no interest for a maximum period of 50 days (a processing fee of 2.5% of the amount, minimum Rs.500, applies).
• Emergency Advance: Convert your cash limit into a personal loan for 3 months at no interest to meet urgent financial needs.
• Instant PIN Setting: Easily set your 4-digit PIN through the RBL mobile app, by giving a missed call on 7045 906 905, sending an SMS "MyCard" to 5607011, or via the official RBL website under 'Online Services'.
• Card Management: Manage your card conveniently anytime, anywhere using net banking or mobile banking services.
• Cash on Card: Avail pre-approved loans without blocking your credit limit, with flexible EMI tenure options.
• Split n Pay Program: Convert spends of Rs.3,000 and above into monthly EMIs at lower interest rates.
• Balance Transfer: Transfer outstanding balances from other credit cards to your Platinum Shopgain SuperCard to clear them at lower interest rates.
• Xpress Cash: Get instant loans within your credit limit for immediate cash requirements.
• Cash Advance: Fulfill short-term cash needs with a credit-free period of up to 50 days.
• Contactless Transactions: Make quick and secure purchases up to Rs.5,000 using the tap and pay feature.
• Hassle-free Payments: Pay your credit card bills easily through various online channels.
• Global Acceptance: The card is accepted worldwide.
• Enhanced Security: Features PIN-based EMV chip for an extra layer of security, requires One Time Password (OTP) for online transactions, and offers 'Zero Fraud Liability' in case of card loss.
• Customer Service: Access 24x7 customer service for any queries.

Other Details

• The estimated total annual benefits from the card are Rs. 21,425.
• For any queries, contact customer service at +91 22 7119 0900 or email supercardservice@rblbank.com.
• The credit limit is assigned at the bank's discretion, considering factors like the applicant's credit score, credit utilization ratio, and past repayment habits.
• Terms & Conditions apply to all benefits and features.