The Bajaj Finserv Super Credit Card, a collaborative offering with leading institutions like RBL Bank and DBS Bank, is a unique financial product designed to provide the power of four cards in one. It functions as a traditional credit card, an EMI card, a cash card, and a loan card, catering to diverse consumer needs. Cardholders enjoy seamless transactions, the ability to convert high-value purchases into No Cost EMIs, and access to instant emergency loans. This card is personalised for those who prioritize flexibility, extensive rewards, and enhanced financial security in their daily spending.
Best Bajaj Finserv Credit Cards in India
Bajaj Finserv offers a range of Super Credit Cards designed to cater to different financial needs, including shopping, travel, healthcare, and EMI-based purchases. These cards stand out due to their 4-in-1 functionality, combining the features of a credit card, EMI card, loan facility, and cash withdrawal option. The top variants provide value through reward points, No Cost EMI options, and lifestyle benefits, making them suitable for both entry-level and premium users.
Top 5 Bajaj Finserv Credit Cards
| Card Name | Joining Fee | Best For | Key Highlight |
| Platinum Choice SuperCard | ₹499 | Shopping & entertainment | 2,000 welcome reward points |
| DBS Bank Super Credit Card | ₹499 | Online & multi-purpose use | No Cost EMI + global banking benefits |
| Health EMI Network Credit Card | Varies | Medical expenses | No Cost EMI on healthcare |
| Platinum Plus SuperCard | ₹499+ | Travel & lifestyle | Lounge access + insurance |
| Bajaj Insta EMI Card | Nil (select users) | EMI purchases | ₹3 lakh pre-approved limit |
Platinum Choice SuperCard
- Welcome bonus of 2,000 reward points on spending ₹2,000 within 30 days
- 2X reward points on online transactions
- 10% discount on movie tickets via BookMyShow (up to ₹100/month)
- Annual fee waiver on spending ₹50,000 in a year
- Emergency advance facility: convert cash limit into a short-term loan
DBS Bank Super Credit Card
- Access to No Cost EMI across 1.5 lakh+ partner stores
- Fuel surcharge waiver on transactions between ₹500–₹4,000
- Interest-free cash withdrawal for up to 50 days
- Backed by DBS Bank’s global banking network
- Suitable for frequent online and multi-category spending
Health EMI Network Credit Card
- Designed specifically for healthcare and medical expenses
- Convert bills above ₹2,500 into No Cost EMIs (3–24 months)
- Accepted across partner hospitals, clinics, and pharmacies
- Enables financial planning for medical emergencies
- Managed via the Bajaj Finserv digital platform
Platinum Plus SuperCard
- Complimentary domestic airport lounge access
- Accelerated rewards on dining and entertainment spends
- Includes travel insurance and purchase protection cover
- Access to an instant loan facility against the available credit limit
- Suitable for a premium lifestyle and frequent travelers
Bajaj Finserv Insta EMI Card
- Instant approval with a fully digital process
- Pre-approved limit of up to ₹3 lakh
- Enables zero-interest EMI purchases on consumer goods
- Accepted across 1.5 lakh+ stores in 4,000+ cities
- Ideal for high-value purchases like electronics and appliances
Other Types of Bajaj Finserv Credit Cards in India
In addition to its flagship SuperCards, Bajaj Finserv offers a range of specialized credit cards designed to address specific financial needs such as professional expenses, healthcare financing, and digital-first usage. These cards extend beyond general spending and are structured to provide targeted benefits like customized credit limits, medical EMIs, and enhanced digital integration. Such segmentation allows users to select cards aligned with their occupation, lifestyle, or financial priorities.
Categories of Bajaj Finserv Credit Cards
| Category | Popular Variants | Best Suited For | Core Benefit |
| Professional SuperCards | Doctor SuperCard, CA SuperCard | Professionals | Customized limits & financial tools |
| Health EMI Cards | Health EMI Network Card | Families & patients | Medical expense financing |
| DBS Co-branded Cards | DBS Super Credit Cards | Digital users | Global + local banking benefits |
Professional SuperCards
- Specifically designed for doctors, chartered accountants, and lawyers
- Offers customized credit limits based on professional income profiles
- Includes indemnity insurance and professional liability coverage
- Access to specialized loans for business or practice expansion
- Flexible repayment options personalised to irregular income cycles
Health EMI Network Credit Cards
- Designed to manage planned and emergency healthcare expenses
- Convert medical bills into No Cost EMIs with flexible tenure (3–24 months)
- Accepted across a wide network of hospitals, clinics, and diagnostic centers
- Reduces upfront financial burden during medical emergencies
- Enables digital tracking of healthcare expenses via Bajaj Finserv platforms
DBS Co-branded Super Credit Cards
- Combines Bajaj Finserv’s financing features with DBS Bank’s global banking infrastructure
- Functions as a 4-in-1 card (credit + EMI + loan + cash withdrawal)
- Offers accelerated reward points on online shopping, dining, and entertainment
- Includes fuel surcharge waiver and travel-related benefits
- Suitable for users seeking international usability with domestic financing flexibility
Bajaj Finserv Credit Card Eligibility
To ensure a smooth application process, Bajaj Finserv has established straightforward criteria for potential cardholders:
- Nationality: Must be an Indian citizen.
- Age Limit: Applicants must be between 21 and 70 years old.
- Credit Score: A minimum CIBIL Score of 650 or higher is required, with no history of default.
- Employment: A regular source of income is mandatory.
- Existing Relationship: Applicants should ideally be existing Bajaj Finserv customers and EMI Network cardholders.
- Location: The residential address must fall within a SuperCard live location in India.
Documents Required to Apply for a Bajaj Finserv Credit Card
The application is largely digital, but the following primary documents are necessary for verification:
- Photograph: A recent passport-size color photograph.
- Identity Proof: Valid documents such as an Aadhaar card or PAN card.
- Address Proof: Valid residential proof (e.g., Aadhaar, utility bills).
Note: Additional income-related documents may be requested during the specific bank’s verification process.
Features & Benefits of Bajaj Finserv Credit Cards
The Bajaj Finserv Super Credit Card, a collaborative offering with leading institutions like RBL Bank and DBS Bank, is designed to provide a wide range of benefits personalised to the diverse needs of modern consumers.
- No Cost EMIs: One of the standout benefits is the ability to convert high-value purchases into No Cost EMIs, allowing cardholders to spread payments over time without incurring additional interest.
- Lucrative Reward Program: Cardholders earn reward points on every transaction, with accelerated points available for specific categories like dining, entertainment, and online shopping.
- Welcome Rewards: New users can receive significant bonuses, such as 2,000 reward points on the Platinum Choice SuperCard after spending ₹2,000 within the first 30 days.
- Emergency Advance: This unique feature allows cardholders to convert their available cash limit into an instant personal loan for 3 months at a competitive interest rate with zero processing fees.
- Interest-Free Cash Withdrawals: Users can withdraw cash from ATMs with no interest charged for a period of up to 50 days.
- Airport Lounge Access: Frequent travelers benefit from complimentary access to domestic airport lounges, providing comfort and convenience during their journeys.
- Fuel Surcharge Waiver: The card offers a fuel surcharge waiver (typically up to ₹100 per month) for transactions between ₹500 and ₹4,000.
- Entertainment Discounts: Enjoy a 10% discount (up to ₹100 per month) on movie tickets when booking through BookMyShow.
- Comprehensive Insurance: For added security, the card often includes travel insurance, purchase protection, and fraud protection.
- Annual Fee Waiver: Cardholders can have their annual fee waived for the following year by meeting a specific spending milestone, such as ₹50,000 in annual spends.
- Cashback Offers: Regular cashback is available on specific categories, including groceries, fuel, and utility bill payments.
Key Limitations of the Bajaj Finserv Credit Card
While offering many benefits, users should be aware of specific costs and constraints associated with the card:
- Fees and Charges: There is typically a joining and annual fee of Rs. 499 + GST (though annual fees can be waived with specific spending).
- High Finance Charges: Retail purchases and unpaid balances can attract interest rates up to 3.99% per month (47.88% per annum).
- Redemption Fee: A fee of Rs. 99 + GST is levied on reward point redemptions.
- Late Payment Penalties: Fees can range from Rs. 5 to Rs. 1,300 depending on the outstanding amount.
- Over-limit Penalty: A charge of Rs. 600 + GST or 2.5% of the over-limit amount (whichever is higher) may apply.
How to Apply for a Bajaj Finserv Credit Card
Applying for a SuperCard is designed to be a quick, digital-first experience:
- Check Offer: Visit the official Bajaj Finserv website and enter your mobile number.
- Verify OTP: Submit the OTP received on your phone to check for a pre-approved credit card offer.
- Personal Details: If an offer is available, fill in your required personal and professional details.
- Assistance: A representative will call you to guide you through the final verification and documentation steps.
Also Read: SBI Credit Cards | HDFC Credit Cards | IDFC Credit Cards
Check Bajaj Finserv Credit Card Application Status
Tracking the progress of your Bajaj Finserv Super Credit Card application is a simple and transparent process that can be completed through various digital channels or direct support.
Steps to check your application status:
- Visit the Official Portal: Go to the official Bajaj Finserv website or open the Bajaj Finserv mobile app.
- Log In to Your Account: Sign in to the customer portal using your registered mobile number and the OTP sent to your device.
- Navigate to Tracking: Once logged in, look for the “Track application status” link, often found under the specific product page (such as the Platinum Choice SuperCard section) or within the “My Relations” dashboard.
- Enter Details if Prompted: You may need to provide your application reference number or date of birth to fetch the specific status of your credit card.
- Contact Support for Assistance: If you encounter any issues or prefer offline updates, you can contact the customer service helpline at 7757 000 000 to speak with a representative.
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