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Bajaj Finserv RBL Bank Credit Card Charges & Fees

You can use the Bajaj Finserv RBL Bank Credit Card to shop, pay bills, avail loans, withdraw cash, earn and redeem Bajaj Finserv RBL credit card reward points, and so on. However, to avail these credit card benefits, you need to pay certain fees and charges. Here, we have detailed the important Bajaj Finserv RBL Bank Credit Card charges such as Bajaj Finserv RBL Bank Credit Card annual fees, cash advance fee for Bajaj Finserv RBL Bank Credit Card, Bajaj Finserv RBL Bank Credit Card international transaction charges, and other applicable fees for your reference.

Types of Bajaj Finserv RBL Bank Credit Card Charges and Fees

  • Bajaj Finserv RBL Bank Credit Card Annual Fees

The Bajaj Finserv RBL Bank Credit Card yearly charges are the annual expenses you need to incur for owning a Bajaj Finserv RBL Bank credit card. They are also referred to as the Bajaj Finserv RBL Bank Credit Card annual fees. You can also find some Bajaj Finserv RBL Bank credit cards with no annual fee.

  • Bajaj FinservRBL Bank Credit Card Late Payment Charges

The Bajaj Finserv RBL Bank Credit Card late payment charges are levied when you miss paying the minimum amount against your outstanding bill before the payment due date.

  • Bajaj Finserv RBL Bank Credit Card Over Limit Charges

Over limit charges are levied when the balance on your credit card exceeds the credit card limit of your card.

  • Bajaj Finserv RBL Bank Credit Card Fuel Surcharge

This is the charge you must pay for using your credit card at a fuel pump for purchasing fuel.

  • Bajaj Finserv RBL Bank Credit Card EMI Charges

This is the processing fee that is charged on your principal amount if you opt for the Bajaj Finserv RBL Bank credit card EMI option for payment.

  • Bajaj Finserv RBL Bank Credit Card International Transaction Charges

These charges are to be paid in case you use your Bajaj FinservRBL Bank Credit Card for transactions abroad.

  • Cash Advance Fee in Bajaj Finserv RBL Bank Credit Card

If you use your credit card for cash withdrawal, this fee is charged as a percent of the total amount withdrawn. 

Note: EMI transactions will not accrue base reward points.

Charges & Fees of Top 5 Bajaj Finserv RBL Bank Credit Cards

Bajaj Finserv RBL Bank Credit Card charges and fees vary from card to card. Here is a list of credit card charges and fees that are levied on the top 5 Bajaj Finserv RBL Bank credit cards.

 

Bajaj FinservPlatinum Choice SuperCard

Bajaj Finserv RBL Bank Platinum Choice FYF SuperCard

Bajaj Finserv RBL Bank Platinum Plus SuperCard

  RBL Bank World Prime SuperCard

 RBL Bank World Plus SuperCard

Joining Fee

₹499 + GST

NIL for 1st year

₹999 + GST

₹2,999 + GST 

₹4,999 + GST

Annual Fee

₹499 + GST

₹999 + GST

₹999 + GST

₹2,999 + GST

₹4,999 + GST

Reward Redemption Fees

₹99 + GST (w.e.f. 01.06.2019;

T&C Apply)

₹99 + GST (w.e.f. 01.06.2019;

T&C Apply)

₹99 + GST (w.e.f. 01.06.2019;

T&C Apply)

₹99 + GST (w.e.f. 01.06.2019;

T&C Apply)

₹99 + GST (w.e.f. 01.06.2019;

T&C Apply)

Cash Advance Transaction Fee

2.5% + GST (min ₹500 + GST) of the cash amount

2.5% + GST (min ₹500 + GST) of the cash amount

2.5% + GST (min ₹500 + GST) of the cash amount

2.5% + GST (min ₹500 + GST) of the cash amount

2.5% + GST (min ₹500 + GST) of the cash amount

Duplicate Statement Fee

NIL

NIL

NIL

NIL

NIL

Outstation Cheque Fee

₹100 + GST charges

₹100 + GST charges

₹100 + GST charges

₹100 + GST charges

₹100 + GST charges

Charge Slip Retrieval / Copy Fee

₹100 + GST charges

₹100 + GST charges

₹100 + GST charges

₹100 + GST charges

₹100 + GST charges

 Cheque Return / Dishonour Fee Auto debit Reversal-Bank Account out of funds

₹500 + GST charges

₹500 + GST charges

₹500 + GST charges

₹500 + GST charges

₹500 + GST charges

Cash Payment at Branch Charges

₹250 + GST / cash deposit

₹250 + GST / cash deposit

₹250 + GST / cash deposit

₹250 + GST / cash deposit

₹250 + GST / cash deposit

 

Overdue Penalty / Late Payment Charges

12.5% of Outstanding Amount (subject to a minimum of ₹5 and a maximum of ₹1,300)

12.5% of Outstanding Amount (subject to a minimum of ₹5 and a maximum of ₹1,300)

12.5% of Outstanding Amount (subject to a minimum of ₹5 and a maximum of ₹1,300)

12.5% of Outstanding Amount (subject to a minimum of ₹5 and a maximum of ₹1,300)

12.5% of Outstanding Amount (subject to a minimum of ₹5 and a maximum of ₹1,300)

Over-limit Penalty Charges

~Higher of 2.5% of over-limit amount or Rs. 500 + GST (w.e.f Oct 9, 2023)

~Higher of 2.5% of over-limit amount or Rs. 500 + GST (w.e.f Oct 9, 2023)

~Higher of 2.5% of over-limit amount or Rs. 500 + GST (w.e.f Oct 9, 2023)

~Higher of 2.5% of over-limit amount or Rs. 500 + GST (w.e.f Oct 9, 2023)

~Higher of 2.5% of over-limit amount or Rs. 500 + GST (w.e.f Oct 9, 2023)

 International Transaction Charges

3.5% + GST charges

3.5% + GST charges

3.5% + GST charges

3.5% + GST charges

3.5% + GST charges

Fuel Transaction Charge

1% + GST surcharge on Fuel transaction value or ₹10 + GST, whichever is higher

1% + GST surcharge on Fuel transaction value or ₹10 + GST, whichever is higher

1% + GST surcharge on Fuel transaction value or ₹10 + GST, whichever is higher

1% + GST surcharge on Fuel transaction value or ₹10 + GST, whichever is higher

1% + GST surcharge on Fuel transaction value or ₹10 + GST, whichever is higher

Finance Charges (Retail Purchases and cash)

APR up to 3.99% + GST per month (up to 47.88% + GST p.a.)

APR up to 3.99% + GST per month (up to 47.88% + GST p.a.)

APR up to 3.99% + GST per month (up to 47.88% + GST p.a.)

APR up to 3.99% + GST per month (up to 47.88% + GST p.a.)

APR up to 3.99% + GST per month (up to 47.88% + GST p.a.)

Card Replacement (Lost / Reissue/ Stolen / any other replacement) charges

NIL

NIL

NIL

NIL

NIL

Foreign Currency Transaction/Dynamic & Static Conversion Transactions - Markup Charges*

Mark up of 3.50%

Mark up of 3.50%

Mark up of 3.50%

Mark up of 3.50%

Mark up of 3.50%

Note: For newly onboarded customers the charges will be implemented from April 01, 2023. Whereas for existing customers (those onboarded before April 01, 2023), the charges would be implemented from the next anniversary date.

 

Disclaimer: Interest rates are subject to change. Please check with the lender before applying.

~There will be no upper limit capping. Here “Over-limit Amount” is the difference between the over-limit outstanding amount and the assigned credit limit.

Bajaj Finserv RBL Bank Credit Card Interest-Free Period

An interest-free period is the time between the transaction date and the bill due date when no interest is charged on the outstanding bill. To enjoy the interest-free period, you need to pay your full credit card bill on time. You also need to refrain from availing the cash withdrawal facility. For Bajaj Finserv RBL Bank credit cards, depending on the scheme, the interest-free period usually ranges between 20-50 days.

FAQs on Bajaj Finserv RBL Bank Credit Card Charges

What are the finance charges on Bajaj Finserv RBL Bank Credit Cards?

A finance charge is levied in case a cardholder fails to clear the complete outstanding bill by the payment due date. After the interest-free period, a minimum 3.99% interest is charged by RBL bank.

What are the Bajaj Finserv RBL Bank credit card annual charges?

The Bajaj Finserv RBL credit card annual fee varies from card to card. The Bajaj Finserv Platinum Choice SuperCard has an annual fee of ₹499 plus GST, whereas the Bajaj Finserv RBL Bank World Plus SuperCard has a yearly fee of ₹4,999 plus GST. Browse through the range of Bajaj Finserv RBL Bank credit cards and find your ideal card.

What are the Bajaj Finserv RBL Bank credit card annual fees?

Depending on the credit card type, the Bajaj Finserv RBL bank credit card annual fees can vary anywhere between ₹499 to ₹4,999 plus GST.

What are Bajaj Finserv RBL Bank Credit Card international transaction charges?

The Bajaj Finserv RBL Bank credit card international transaction charges are usually 3.5% plus GST.

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