Bajaj Finserv Rbl Platinum Plus Supercard vs Rbl Platinum Choice Mastercard Credit Card: Which is Better in 2026?
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When comparing the Bajaj Finserv Rbl Platinum Plus Supercard and the Rbl Platinum Choice Mastercard Credit Card, the latter stands out with its structured rewards program and annual fee waiver. The Bajaj Finserv card lacks any notable benefits, making the Rbl Platinum Choice a more appealing option for potential users.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Bajaj Finserv Rbl Platinum Plus Supercard | Rbl Platinum Choice Mastercard Credit Card |
|---|---|---|
| Bank | RBL Bank | RBL Bank |
| Network | MasterCard | MasterCard |
| Joining fee | — | — |
| Annual / renewal fee | — | Renewal Fee of Rs.499 |
| Annual fee waiver | — | Spend Rs.50000 For Waiver of Annual Membership Fee |
| Reward rate (headline) | — | Earn 1 Reward Points per Rs.100 |
| Lounge — domestic | — | — |
| Lounge — international | — | — |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | 2000 Reward Points on Payment of Annual Fee |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Rbl Platinum Choice Mastercard Credit Card offers a clear advantage in rewards, providing 2X Reward Points on all online spends and 1 Reward Point per Rs.100 spent. In contrast, the Bajaj Finserv Rbl Platinum Plus Supercard does not offer any rewards or points accumulation, making it less attractive for users focused on earning benefits through their spending.
Which is better for travel?
Both cards do not provide any lounge access benefits, making them equally less favorable for frequent travelers seeking airport lounge access. Additionally, neither card offers travel-related perks such as insurance or travel discounts, which could be important for travel enthusiasts.
Which has lower effective cost?
The Rbl Platinum Choice Mastercard has a nominal annual fee of Rs.499, which can be waived by spending Rs.50,000 annually. The Bajaj Finserv Rbl Platinum Plus Supercard does not disclose any fees, but it also lacks any benefits, making it less appealing overall. Therefore, the Rbl Platinum Choice card is more cost-effective for users who can meet the spending requirement.
Who should pick Bajaj Finserv Rbl Platinum Plus Supercard?
Consider Bajaj Finserv Rbl Platinum Plus Supercard if you are looking for a card with no annual fees or if you prefer a card that does not impose any spending requirements for benefits, although it lacks any significant features.
Who should pick Rbl Platinum Choice Mastercard Credit Card?
Consider Rbl Platinum Choice Mastercard Credit Card if you want to earn rewards on your spending, especially online, and are willing to meet the annual spending requirement to waive the fee. This card is suitable for users who prioritize rewards and cashback.
Frequently Asked Questions
The Bajaj Finserv Rbl Platinum Plus Supercard does not disclose any annual fees, but it also lacks any benefits.
You can earn 2X Reward Points on all online spends and 1 Reward Point per Rs.100 spent with the Rbl Platinum Choice Mastercard.
Yes, the annual fee of Rs.499 can be waived by spending Rs.50,000 annually.
No, neither the Bajaj Finserv Rbl Platinum Plus Supercard nor the Rbl Platinum Choice Mastercard offers lounge access benefits.