RBL Bajaj Credit Card – Benefits, EMI Offers, Rewards & Eligibility

• RBL Bajaj Credit Card enables freelancers and professionals to economise on everyday and business expenditures.
   
• Offers a 1% fuel fee waiver at all petrol stations in India.
   
• Free roadside assistance of ₹1,200 per year.
   
• Provides up to 50 days of interest-free credit if payments are made on schedule.
   
• Add-on cards are available for family members who share benefits.

The RBL Bajaj Credit Card is a lifestyle and business-friendly credit card that offers cashback, reward points, travel benefits, and fuel surcharge waivers, making everyday spending more rewarding.

How is the RBL Bajaj Credit Card beneficial?

Pragati runs her hair salon studio and offers mobile services to clients through home appointments. Her priorities, optimising efficiency, being creative, and seeking cost-saving solutions, align with both her business management and personal finance needs.

Pragati defines how the Indian RBL Bajaj Credit Card is beneficial for her:
 

• I purchase around 150 litres of fuel each month for client visits, saving ₹180 monthly and nearly ₹2,160 annually.
   
• I spent ₹10,000 on groceries, dining, and shopping. So, I earned nearly 400 reward points monthly and 4,800 reward points annually, which cost ₹4,800.
   
• I watched movies in the cinema hall and on the OTT platform every month, and I saved ₹250 monthly and ₹3,000 annually.
   
• I saved ₹360 monthly on dining (annually ₹3,600).
   
• Regarding my salon supply and shopping, the RBL Bajaj Credit Card helps me save ₹209 monthly and ₹2,508 annually.
   
• Also, I get free roadside assistance twice a year, which allows me to save ₹1,200 annually on emergency services.
  
   

Pragati's total annual savings amount to nearly ₹17,260.

What is an RBL Bajaj Credit Card?

The RBL Bajaj Credit Card offers a variety of financial benefits that enhance everyday spending. Cardholders enjoy perks such as fuel surcharge waivers, reward points on shopping, dining, and entertainment, as well as cashback on cinema tickets and OTT subscriptions, along with discounts at partner stores.

The credit card includes complimentary roadside assistance and travel-related benefits. As a result, it serves as a versatile financial tool, enabling professionals and freelancers to efficiently manage both personal and business expenses.
 

Key Features and Benefits of RBL Bajaj Credit Card
 

1. Fuel Surcharge Waiver
    

All Indian petrol stations offer a 1% fuel surcharge waiver when payments are made using the RBL Bajaj Credit Card. Cardholders can enjoy these savings whenever they refuel their vehicle at any petrol pump across India. Pragati spends ₹10,000 monthly on fuel and saves ₹100 every month with the waiver.
 

With regular usage, Pragati saves ₹1,200 annually just from fuel surcharge waivers.
 

2. Reward Points
    

The RBL Bajaj Credit Card runs a reward points system that awards customers points from their regular card transactions. The reward points are earned through an RBL credit card, which can be exchanged for gift vouchers, merchandise, and cashback benefits.

Example: Pragati uses a credit card from an RBL bank that offers reward points on groceries, dining, and shopping. Here is how it works for Pragati:

With consistent usage, Pragati earns ₹5,760 annually in rewards, turning daily expenses into tangible value.
 

3. Travel Benefits
    

The RBL Bajaj Credit Card offers exclusive travel benefits, making it an ideal choice for individuals who travel frequently for business or leisure. These perks include discounts on flights and hotel bookings.

Example: Pragati uses a Bajaj credit card from RBL Bank, which offers travel discounts. Here is how it works for Pragati:

 

Travel perks help Pragati save ₹6,400 annually, making the card especially useful for frequent travellers.

4. Interest-Free Period
    

RBL Bajaj Credit Card gives users a 50-day interest-free window for bill payment when they make purchases. You can perform transactions using your RBL Bajaj Credit Card and then fully pay your bill on time to avoid interest expenses.

5. Add-on Card Facility
    

RBL Bajaj Credit Card customers can obtain supplementary cards, which they can provide to their family members, such as spouses and children or parents. 

Secondary users on RBL Bajaj Credit Cards gain access to the same credit limits and benefits that apply to the main cardholder account. Add-on cardholders operate separately for purchases, yet the main account holder maintains financial control to pay the statements through this practical offering for joint household costs.

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Eligibility Criteria For RBL Bajaj Credit Card

The RBL Bajaj Credit Card benefits require applicants to fulfil requirements and share relevant documents. The Bajaj credit card suits individuals who demonstrate financial responsibility through a stable monetary background and a solid credit profile. 

For more details, visit the RBL Bank website or contact customer care at +91 22 6232 7777.

Required Documents to Apply for RBL Bajaj Credit Card

Your application requires these documents to finish the process:

• Identity Proof: Aadhaar card, PAN card, or passport.
   
• Address Proof: Utility bill, rental agreement, or Aadhaar card.
   
• Income Proof: Salary slips (last 3 months) or income tax returns (for self-employed individuals). 
   
• Passport-sized Photograph.
   
• Form -16 (for salary individual)
   

How to Apply for an RBL Bajaj Credit Card?
 

Offline Application:
 

Step 1: Visit the nearest RBL Bank branch. You can find your nearest RBL Bank branch with the help of their Branch locator.

Step 2: To initiate the application process, you request a credit card application from RBL Bank branches.

Step 3:  Fill in the required details and attach the necessary documents, like address proof and income proof.

Step 4: After completing your form, submit it to the bank representative.

Step 5: Wait for 24 to 48 hours.

Step 6:  When RBL Bank verifies your documents, the bank will approve your Credit Card.

Online Application:
 

Step 1: Visit the official website of the RBL Bank and go to the product.

Step 2: Select the “Credit Card” option or click here to access.

Step 3: You will now see all RBL Credit Cards. Select one of your needs, then click here for the direct link.

Step 4: Fill in the required personal and financial details.

Step 5: Upload necessary documents (PAN card, Aadhaar, income proof, address proof).

Step 6: Apply and await approval (online applications take 7-10 working days).

Conclusion
 

The RBL Bajaj Credit Card is a flexible finance instrument that meets multiple requirements for freelancers together with professionals, and families. The RBL Bajaj Credit Card enables customers to save money through its benefits, such as fuel surcharge waivers, reward points for regular purchases, and travel discounts, combined with complimentary add-on cards. 

The value enhancement of the credit card stems from its complimentary airport lounge access with interest-free credit periods. 

The joining and renewal fees and late payment charges from the RBL Bajaj Credit Card may be eliminated with your spending requirements. The RBL Bajaj Credit Card provides an excellent opportunity for users who want both rewarding, affordable and versatile credit card benefits and options.

FAQs
 

1. How can I apply for an RBL Bajaj Credit Card?

You can apply online through the RBL Bank website or via the Bajaj Finserv app. Fill out the application form, submit the required documents, and await approval.

2. What are the eligibility criteria for the card?

Age: 21 to 65 years.

Credit Score: A good credit score (preferably 750+).

3. How can I check my credit card balance and statement?

Use the RBL MyCard App or NetBanking.

Send an SMS: CCBAL XXXX (last 4 digits of your card) to 5676760.

Call customer care at 1800 123 8040.

4. What are the reward points, and how do they work?

Earn 4 reward points per ₹100 on groceries, dining, shopping, and entertainment.

Redeem points for gift vouchers, merchandise, or cashback (1 point = ₹1).

Points are valid for 24 months.

5. Are there any joining or annual fees?

Joining Fee: ₹500 to ₹1,000 (may be waived on meeting spending criteria).

Renewal Fee: ₹500 to ₹1,000 (often waived if annual spending exceeds ₹1 lakh).

6. What is the interest-free credit period?

You get up to 50 days of interest-free credit on purchases if the bill is paid in full by the due date.

7. How can I get add-on cards for family members?

Request add-on cards via NetBanking, the RBL MyCard App, or customer care.

Add-on cards share the primary card’s credit limit and offer the same benefits.

 

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LoansJagat Team

‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.