Cards

Frequently asked questions

How are 5X, 8X, 10X, 12X rewards calculated?

You can earn basic and multiplied reward/cash points with the Bajaj Finserv RBL Bank Credit Card/ Bajaj Finserv RBL Bank Credit Card:

  • Basic Rewards: 
Earn 1 reward point on every ₹100 spent using any Bajaj Finserv RBL Bank SuperCard.
 
Earn 2 cash points on every ₹200 spent using any Bajaj Finserv DBS Bank Credit Card.
  • Multiplied Rewards: 
Some Bajaj Finserv RBL Bank SuperCard offer multiplied rewards on every ₹100 spent. The Binge SuperCard gives you 12X reward points (12*1 reward points) on every ₹100 spent online. Online spending includes flight and hotel bookings, apparels and electronics purchases, monthly bills and recharges, etc. The Easysaver or MyFirst SuperCard offers 8 reward points per ₹100 spent on bill payments and education fees.

Bajaj Finserv DBS Bank Credit Card variants offer multiplied rewards on every ₹200 spent. The 5X Rewards Credit Card offers 10X accelerated rewards on flights, hotel bookings, apparel and electronics purchases, monthly bills, recharges, etc. Earn 10 times the regular cash points, i.e., 20 points (10*2 cash points) on every ₹200 spent. Get an additional 5X monthly milestone reward on crossing the monthly spend limit. You get 5 times the regular cash points, i.e., 10 cash points (5*2 cash points) on crossing the monthly spend limit.

What are the entertainment offers on Co-brand credit cards?

Bajaj Finserv RBL Bank SuperCard offer 10% off and 1+1 movie ticket offers on BookMyShow.
Bajaj Finserv DBS Bank Credit Cards offer 20% off in the form of cash points on a yearly subscription of Amazon Prime.

Do I get benefits on the credit card while travelling?

Bajaj Finserv RBL Bank SuperCards offer up to 4 complimentary domestic airport lounge visits in a year across India. You can visit a maximum of 1 lounge per quarter.
Bajaj Finserv DBS Bank Credit Cards offer up to 8 domestic and 2 international airport lounge visits in a year. You can visit a maximum of 1 lounge per quarter.

Does Co-brand credit cards have offers on utility bill payments (electricity, gas, etc.)?

Pay your electricity, gas, broadband, credit card bills, or recharge your mobile with Bajaj Finserv RBL Bank SuperCards and earn up to 12X rewards on each spend.
Bajaj Finserv DBS Bank Credit Cards offer 10X rewards on electricity bills, LPG bills, mobile recharges, broadband bills, and Bajaj Pay Wallet recharges.

What other benefits does Co-brand credit cards offer?

Break your expenses into smaller and easily payable EMIs (Equated Monthly Instalments).
Every month, get up to ₹100 worth of fuel surcharge waiver at any fuel station across India.

How will I receive a fuel surcharge waiver?

A fuel surcharge waiver is given back to you in the next month of the transaction. The maximum waiver in a month is ₹100. You may use your Co-brand credit card for fuel purchases across any fuel station in India.

What is Convert to EMI?

Convert to EMI is an exclusive programme within which you can convert all your eligible transactions (equal to and greater than ₹2,500 and performed in the last 60 days using your Co-brand credit card into low-cost EMIs as per your choice. You can choose between EMI tenures of 3, 6, 9, 12, 18 or 24 months as per your convenience. Interest rate and processing fee may vary according to the selected tenor and your profile.

What can I buy with my reward points?

You can redeem your reward points across various categories like travel, shopping, voucher, mobile recharge, etc.

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Why choose the Bajaj Finserv RBL Bank Credit Card or the Bajaj Finserv DBS Bank Credit Card?

  • Welcome rewards: The Co-brand credit card offers up to 4,000 points welcome reward points.
  • Multiplied rewards: The Bajaj Finserv DBS Bank Credit Card offers 5X rewards on your total monthly spends if you cross the defined limit in that month. The limit will vary based on the card variant. Get 10X points on your utility bill payments, mobile and wallet recharges, hotel and travel bookings. With the Bajaj Finserv RBL Bank SuperCard, you can earn up to 12X rewards on all your shopping, bills, recharges, travel, holiday bookings and all other online spends.
  • Entertainment, travel, and other benefits: Get complimentary access to domestic and international airport lounges. The number of lounge visits differ based on the card variant. Get entertainment offers like 1+1 movie tickets or 10% off on BookMyshow. Binge watch your favourite shows on Amazon Prime with up to 20% off on subscription cost in the form of cash points.
  • Always-on benefits: You can also save on fuel surcharges, pay your EMIs conveniently, and more. 1% waiver on fuel surcharge at any fuel station across India. Max up to ₹100 per month.
  • Convert spends above ₹2,500 into easy EMIs.

What are the benefits of using the Bajaj Finserv RBL Bank SuperCard?

  • Up to 4,000 welcome reward points on your card (except on the First-Year-Free variants).
  • Up to 12X reward points on online spends.
  • Exciting movie ticket offers on BookMyShow.
  • Complimentary access to airport lounges.
  • Up to ₹100 fuel surcharge waiver per month on fuel spends between ₹500 - ₹5,000 at any fuel station in India.
     

What's the eligibility criteria for Bajaj Finserv RBL Bank SuperCard?

  • Age: You must be between 21 and 70 years old.
  • Nationality: You must be an Indian citizen.
  • Income and credit score: You must fulfill the income and credit score criteria set by RBL bank.
  • Residential address: Your residential address should be in an area serviceable by RBL bank.
     

What are the benefits of using the Bajaj Finserv DBS Bank Credit Card?

  • Up to 4,000 welcome cash points on your card (except on the first-year-free variants).
  • Up to 10X cash points on utility bill payments, mobile and wallet recharges, travel and flight bookings, and more.
  • Up to 5X cash points on your total monthly spends if you cross the defined spend limit in that month.
  • Convert your spends above ₹2,500 into easy EMIs.
  • Complimentary airport lounge access.
  • Up to 20% off as cash points on online subscriptions like Amazon Prime, Airtel Xstream, OTT Play, etc.
     

What's the eligibility criteria for Bajaj Finserv DBS Bank Credit Card?

  • Age: You must be between 21 and 70 years old.
  • Nationality: You must be an Indian citizen.
  • Credit score: You must have a minimum CIBIL score of 720 with no record of payment defaults.
  • Residential address: Your residential address should be in an area serviceable by DBS bank.
     

What are cash points and how are they redeemed?

  • Cash points are benefits offered in the form of points whenever a user transacts using the Bajaj Finserv DBS Bank Credit Card.
  • Points earned against the transaction are credited to your credit card account.
  • For every ₹200 spent, you earn 2 cash points.The value of 1 cash point is up to 0.25 paise.
  • Cash points are redeemable on the DBS Card+ IN app on hotel and travel bookings, shopping, food, etc.
     

What are reward points and how are they redeemed?

  • Reward points are benefits offered in the form of points whenever a user transacts using the Bajaj Finserv RBL Bank SuperCard.
  • Points earned against the transaction are credited to your credit card account.
  • The value of 1 reward point is up to 0.25 paise. For every ₹100 spent, you earn 1 reward point.
  • You can redeem your reward points on travel, shopping, voucher and mobile recharge etc.
  • Visit the ‘Rewards and Savings’ page on RBL bank rewards portal for redemption.

Credit cards offer a convenient and accessible means of securing funds for various needs. Get tailor-made credit cards that fulfill financial goals and help you earn reward points. It is essential to carefully assess your financial situation, consider your needs, and compare credit cards from different lenders to make an informed decision. Remember to read the fine print and consult with financial experts, if needed.

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Disclaimer

Bajaj Finance Limited in partnership with RBL and DBS bank is only responsible for marketing and distribution, and has no role in approval, fulfilment and service of the Co-brand Credit Card. RBL/DBS bank has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.