Back to Browse
Bajaj Finserv RBL Bank Credit Card
RBL • MasterCard

Bajaj Finserv RBL Bank Credit Card

Popular co-branded RBL option for EMI and consumer durable usage.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual Fee₹999Waived on INR 2L annual spends
Base Reward0.5%On all spends
Lounge Access3122 domestic • 9 intl
Est. Annual Savings₹789Based on ₹4.8L annual spend

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on INR 2L annual spends

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹2,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
1.5%
Online
1.5%
Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • Bajaj Finserv RBL Bank Credit Card is best positioned as a shopping + online specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 1.5% on shopping-aligned lanes, while broad base return remains closer to 0.5%.
  • Current mapped lounge footprint is 31, adding travel-side utility when issuer eligibility conditions are met.

Best Utilization

  • Route this card to shopping and online spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 999 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • Lounge access may still require spend/quarter gating or program conditions; verify issuer terms before travel plans.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹999
  • Annual fee₹999
  • Waiver threshold₹2,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/pointNot listed
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkMasterCard
  • Domestic count22
  • International count9
  • Quarterly limitNot listed
  • Airport-terminal rows31
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports22
  • Approval reports14

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

RBL Shoprite

Annual fee: ₹500

Shared focus: Shopping, LifestyleHigher top earn rate (5.0%)Estimated +₹1,134/yr value
View Details

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Bajaj Finserv RBL Bank Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Verify active spend-linked lounge eligibility threshold with RBL before travel.

Quarter / cycle rule

Quarter/cycle caps can apply by card variant and network program; confirm latest RBL terms.

Guest access

Guest access is lounge/program dependent and usually chargeable unless explicitly included.

Priority Pass

International-terminal lounges are present in source rows; confirm whether your variant uses direct network access or partner program mechanics.

Lounge Locations

31 airport lounge rows
View lounge map and location list31 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic Terminal

Bengaluru

3 lounges • 2 domestic • 1 international

3
080Domestic

BEN • Bengaluru Airport • Domestic Terminal

TFS - BLR LoungeDomestic

BEN • Bengaluru Airport • Terminal T1

TFS - BLR LoungeInternational

BEN • Bengaluru Airport • Terminal T1

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic Terminal

Calicut

1 lounges • 0 domestic • 1 international

1
Bird LoungeInternational

CAL • Calicut Airport • International Terminal

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

Chennai

2 lounges • 1 domestic • 1 international

2
TFS - Travel Club LoungeInternational

CHE • Chennai Airport • International Terminal

TFS - Travel Club Lounge (A & B)Domestic

CHE • Chennai Airport • Domestic Terminal

Dehradun

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

DEH • Dehradun Airport • Domestic Terminal

Delhi

4 lounges • 3 domestic • 1 international

4
Encalm LoungeDomestic

DEL • Delhi Airport • Terminal T1D

Encalm LoungeDomestic

DEL • Delhi Airport • Terminal T2

Encalm LoungeDomestic

DEL • Delhi Airport • Terminal T3

Encalm LoungeInternational

DEL • Delhi Airport • Terminal T3

Goa

2 lounges • 2 domestic • 0 international

2
Encalm LoungeDomestic

GOA • Goa Airport • Terminal T1

TFS - Good Times LoungeDomestic

GOA • Goa Airport • Domestic Terminal

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic Terminal

Encalm LoungeInternational

HYD • Hyderabad Airport • International Terminal

Jaipur

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

JAI • Jaipur Airport • Domestic Terminal

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Domestic Terminal

Earth LoungeInternational

KOC • Kochi Airport • International Terminal

Kolkata

2 lounges • 1 domestic • 1 international

2
TFS - Travel Club LoungeDomestic

KOL • Kolkata Airport • Domestic Terminal

TFS - Travel Club LoungeInternational

KOL • Kolkata Airport • International Terminal

Mumbai

2 lounges • 2 domestic • 0 international

2
OASIS LoungeDomestic

MUM • Mumbai Airport • Terminal T1B

TFS - Travel Club LoungeDomestic

MUM • Mumbai Airport • Terminal T1C

Nagpur

1 lounges • 1 domestic • 0 international

1
Mandarin LoungeDomestic

NAG • Dr. Babasaheb Ambedkar International Airport • Domestic Terminal

Patna

1 lounges • 1 domestic • 0 international

1
Zesto Executive LoungeDomestic

PAT • Patna Airport • Domestic Terminal

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Thiruvananthapuram

1 lounges • 0 domestic • 1 international

1
The LoungeInternational

THI • Thiruvananthapuram Airport • International Terminal

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium loungeDomestic

VAD • Vadodara Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Co-branded value proposition for EMI and partner transactions
  • Decent reward profile for online retail spending
  • Middle-fee segment with spend waiver route

Things to Consider

  • Co-branding reduces flexibility outside partner ecosystem
  • Value depends on campaign offers and categories
  • General spend rewards remain average

About Bajaj Finserv RBL Bank Credit Card

Bajaj Finserv RBL Bank Credit Card is a points card from RBL, best for users combining emi purchases with regular online shopping. It is tagged under shopping, online, rewards, lifestyle categories in our database.

ShoppingOnlineRewardsLifestyle

Similar Cards You Might Like

RBLMasterCard

RBL Shoprite

Grocery Shopping

₹500/yrPoints
SBIVisa

Aditya Birla SBI Card SELECT

Users spending across fashion, retail, and occasional travel

₹1499/yrPoints
AU Small FinanceVisa

AU Bank Xcite Credit Card

Shoppers who want a lighter-fee AU rewards card

₹999/yrPoints

Frequently asked questions

Is Bajaj Finserv RBL Bank Credit Card lifetime free?

It has an annual fee of ₹999. Waived on INR 2L annual spends

What rewards does Bajaj Finserv RBL Bank Credit Card offer?

Popular co-branded RBL option for EMI and consumer durable usage.

Does Bajaj Finserv RBL Bank Credit Card include lounge access?

Bajaj Finserv RBL Bank Credit Card lists 31 lounge visits (22 domestic, 9 international).

Who should consider Bajaj Finserv RBL Bank Credit Card?

Users combining EMI purchases with regular online shopping

Where can I apply for Bajaj Finserv RBL Bank Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.