EasySaver Super Card
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
MakeMyTrip ICICI Bank Credit Card
Bank Name :
ICICI Bank
प्रकार
Travel Credit Card
ब्याज दर
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पात्रता
Nationality: Indian
Age: 21 to 70 years.
Employment and Credit Score: At bank's Discretion
पेशेवरों
Welcome Reward: Users will get 1000 RP on payment of joining fees and minimum spending of Rs. 2,000 within 30 days of card issuance.
Reward System: The value of 1 RBL reward point is INR 0.2. Users will get 1 RBL reward point on spending INR 400. Effective cashback rate: 0.05%. 8 reward points for every Rs. 400 spends on Education and Bill payment. Effective cashback rate: 0.4%.
Users can convert the available cash limit into a Personal loan for 3 months at a 1.16% interest rate per month at no processing fee.
Users get an unlimited interest-free withdrawal of their available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days.
If the user spends Rs. 1,00,000 in a year, then 2,500 reward points will be awarded to him.
Xpress Cash: A unique feature that allows users to get an instant loan within their credit limit.
Users can pay back in easy instalments and enjoy a host of benefits such as document-free processes and paperless money transfers.
Cash Advance program that fulfils short-term cash requirements.
Users also enjoy a credit-free period of up to 50 days.
दोष
Very low cashback rate.
Lacks standard features like free lounge visits.
Limited value add features.
No cashback rewards are available.
पक्ष विपक्ष
Welcome Benefits
Users will get 1000 RP on payment of joining fees and minimum spending of Rs. 2,000 within 30 days of card issuance.
पुरस्कार प्रणाली
The value of 1 RBL reward point is INR 0.2. Users will get 1 RBL reward point on spending INR 400. Effective cashback rate: 0.05%. 8 reward points for every Rs. 400 spends on Education and Bill payment. Effective cashback rate: 0.4%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Purchases above INR 3000 can be converted into EMIs. Balance can be transferred from other Credit Card. Contactless payments. An interest-free advance cash facility is also available. The card is globally accepted.
Eligibility Criteria
Nationality: Indian
Age: 21 to 70 years.
Employment and Credit Score: At bank's Discretion
फ़ायदे
Easy Cash: users will get an unlimited interest-free withdrawal of their available cash limit from all ATMs in India up to their billing date; with a maximum period of 50 days.
Emergency advance: Convert the available cash limit into a personal loan for 3 months with zero processing fee and an interest rate of 1.16% per month.
5% cashback: Users will get 5% cashback on a down payment at any Bajaj Finserv partner store. Pay with points: You can use your reward points to pay for your credit card bill or redeem them for gift vouchers, merchandise, travel, and more.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
Here are the steps on how to apply for the RBL Bank + Bajaj Finance EasySaver Super Card: Visit the RBL Bank website and click on the "Apply for Credit Card" link. Select the "RBL Bank + Bajaj Finance EasySaver Super Card" from the list of credit cards. Enter your personal and financial information, such as your name, email address, contact number, PAN card number, and income proof. Submit your application and wait for approval. You can also apply for the RBL Bank + Bajaj Finance EasySaver Super Card through the Bajaj Finserv website or app.
सम्पर्क करने का विवरण
RBL Bank Credit Card Helpline
+91 22 6232 7777
Email: cardservices@rblbank.com
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
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Cons:-
Welcome Reward: Users will get 1000 RP on payment of joining fees and minimum spending of Rs. 2,000 within 30 days of card issuance.
Reward System: The value of 1 RBL reward point is INR 0.2. Users will get 1 RBL reward point on spending INR 400. Effective cashback rate: 0.05%. 8 reward points for every Rs. 400 spends on Education and Bill payment. Effective cashback rate: 0.4%.
Users can convert the available cash limit into a Personal loan for 3 months at a 1.16% interest rate per month at no processing fee.
Users get an unlimited interest-free withdrawal of their available cash limit from all ATMs in India up to the billing date; maximum period of 50 Days.
If the user spends Rs. 1,00,000 in a year, then 2,500 reward points will be awarded to him.
Xpress Cash: A unique feature that allows users to get an instant loan within their credit limit.
Users can pay back in easy instalments and enjoy a host of benefits such as document-free processes and paperless money transfers.
Cash Advance program that fulfils short-term cash requirements.
Users also enjoy a credit-free period of up to 50 days.
Very low cashback rate.
Lacks standard features like free lounge visits.
Limited value add features.
No cashback rewards are available.
The RBL EasySaver Super Card offers a mix of everyday rewards, fuel surcharge waiver, and access to a credit line for emergencies or temporary needs. However, the lower cashback rate compared to premium cards, limited redemption options, annual fee, potential customer service concerns, and interest on loan balances after the grace period are important drawbacks to consider.
EasySaver Super Card
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Joining fees: Rs. 499 (Plus Service Tax)
Annual membership Fees: 499 + GST
Cash Advance fee: 2.5% of the cash amount withdrawn (minimum Rs 500)
Late Payment fees: Up to Rs.100 - ZeroLate fee. Above Rs.100 -12.5% of total due amount (Max Rs. 1300/-)
Finance charges/ Interest Charges: upto 3.99% p.m (upto 47.88% p.a)
Foreign Currency Transaction Fees: 3.5%
Reward Redemption fees: Rs 99
EMI Processing fees : Rs 199 + GST
ईंधन अधिशुक्ल
1% surcharge on fuel transaction value or Rs.10, whichever is higher. However, Fuel surcharge waiver of up to Rs.100 per month is available. (The Surcharge is applicable on minimum fuel transactions of Rs. 500 and maximum of Rs. 4,000.)
Billing Cycle
30 days