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RBL Bank Platinum Shopgain SuperCard

by Kshitiz V Sharma on
RBL Bank Platinum Shopgain SuperCard
Low Rewards, Complimentary Airport Lounge Access

25 reward points / ₹100 on utility bill payments and 1 point on all other spends. 1+1 on movie tickets at BookMyShow.

Monthly Spend ₹5K ₹10K ₹20K ₹50K ₹100K
Net Reward Yield -0.8%^ 0.2% 0.8% 0.5% 0.4%
Est. Monthly Reward (₹) (45) 15 165 235 355
All-India Rewards Rank* 218 203 106 262 316
Within Bank Rank* 24 24 13 24 32
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here.

^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The RBL Bank Platinum Shopgain SuperCard gives 6.25% effective reward on utility bill payments and 0.25% on all other spending.

Overall, we estimate you can earn a net reward yield of 0.4-0.8% on spending above ₹20,000 with this card in a month.

This card is issued in collaboration by RBL Bank & Bajaj Finserv and combines features like Buy Now Pay Later with a traditional credit card.

The RBL Bank Monthly Treats Credit Card is the best entry level credit card from RBL Bank. This card can earn you a net reward yield of 1.3-2.7%, if you spend less than ₹20,000 on your card each month.

That also makes it one of the best entry level credit cards in India.

With the discontinuation of the Edition program, we no longer recommend any RBL Bank credit card for people charging more than ₹20,000 a month to their credit cards.

The Insignia Preferred Banking Card is the highest yielding credit card from RBL Bank for those charging more than ₹20,000 a month on their cards.

However, the Insignia Preferred offers a meagre net reward yield of 1.3 – 1.4% at that level of spending. You also need a total relationship value with RBL Bank of more than ₹30 lacs to qualify for this card.

We think if you can qualify for the Insignia Preferred, you can get a much better credit card from many other banks and you should not settle for the Insignia.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.


The Rewards

Card RBL Bank Platinum Shopgain SuperCard
Card Type Reward
Reward Features 25 Reward Points / ₹100 on Utility Bill Payments

1 Reward Point / ₹100 on all other spends

Milestone Rewards – Zomato Pro Voucher/Amazon Prime Voucher on annual spends of ₹2 Lacs

– Up to 20,000 points on annual spends of ₹4 Lacs

Other Rewards – 1+1 on movie tickets at BookMyShow p.m. (up to ₹200)

– 1 Complimentary Domestic Airport Lounge visits / Qtr.

Rewards Redemption Fee ₹99
Reward Caps 500 points p.m. on Utility Bill Payments
Preferred Redemption Method Redeem on rblrewards.com @ ₹ 0.25 / reward point


Fees & Charges

Card RBL Bank Platinum Shopgain SuperCard
Joining Fee ₹1,500 + Taxes
Annual Fee ₹1,500 + Taxes
Min. Annual Credit Card Spend
for Fee Waiver
₹1.5 Lacs
Income Criteria Salaried N/A
Self-employed N/A
Supplementary Card Fee Free
Interest Rate 47.88%
Foreign Currency Markup 3.50%
Cash Advance Charge 2.50% transaction amount minimum of ₹300

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