Bajaj Finserv RBL Bank CA SuperCard
DowngradeThe card that paid a chartered accountant's ICAI fee — and RBL has stopped issuing it.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Read the ₹0.4L figure carefully: ₹3,000 of its ₹4,200 gross is a voucher or a hotel night, not points — worth that only if you would have bought it anyway.
Welcome: Not published — Bajaj Finserv's CA SuperCard page carries no welcome benefit, unlike its Doctor's sibling
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Breaks even only by erasing its fee at ₹9,000 a month
At ₹9,000 a month — ₹1,08,000 a year — on the everyday mix this card returns ₹300 gross (earn ₹300) against a fee of ₹0 — the ₹999 is waived, the spend having cleared ₹1,00,000 a year = ₹300 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
2 notes on the card itself: how it is issued · the network variants
The take
The CA SuperCard is the one card on this board whose headline benefit is a professional body's subscription: spend ₹1.5 lakh in a year and Bajaj Finserv reverses your ICAI membership fee up to ₹3,000, which on a card that costs ₹999 and waives that at ₹1 lakh of spend is the whole economic case. Everything else is the ordinary SuperCard grid — 1 Reward Point per ₹100, double online, and a genuinely good 10 points per ₹100 on dining (2.5% at RBL's ₹0.25 catalogue, the best dining rate anywhere on the SuperCard shelf) — plus four domestic lounge visits a year and the SuperCard's signature party trick, an interest-free ATM withdrawal window of up to 50 days against a flat 2.5% fee. It is also gone: RBL's live Schedule of Charges prices sixty variants by name and this is not one of them, and the bank's own product path now returns a 403 where a made-up path returns a 404. Nothing here is worth chasing a closed product for; the dining rate is the only line a current holder should actually use.
Your renewal — keep, downgrade or cancel
This card reaches break-even by ERASING its fee, not by out-earning it: the waiver is the decision.
Keep, downgrade or cancel
₹999/yr at stake · 5 spend bands
The charge ₹999/yr
The waiver ₹1,00,000 of spend in the year before renewal — about ₹8,333 a month — and the renewal fee is not charged.
Break-even ₹9,000 a month — ₹1,08,000 a year — is where this card's value crosses its fee, and it gets there by erasing the fee at the waiver rather than out-earning it.
At your spend
₹3,800 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹4,500 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹6,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹12,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹18,000 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
RBL Bank publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 23 Sep 2026 Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and Hilton a program these points reach
- 21 Aug 2026 Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands a program these points reach
- 7 Jan 2026 RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- ICAI membership fee reversed up to ₹3,000 on ₹1.5 lakh of annual spend — three times the card's own fee
- 10 Reward Points per ₹100 on dining — 2.5% at RBL's ₹0.25 catalogue, the best dining rung on the SuperCard shelf
- 4 complimentary domestic airport lounge visits a year
- First year free; ₹999 from renewal, and that waives at ₹1 lakh of annual spend
- Interest-free cash: up to 50 days on an ATM withdrawal, against a flat 2.5% processing fee
Watch out
- WITHDRAWN — RBL's live Schedule of Charges names sixty variants and not this one; the product path 403s
- 1 Reward Point per ₹100 (0.25%) on everything that is not dining or online — a thin residual
- Points are closed-loop RBL Reward Points at a ₹0.25 catalogue, and every redemption costs ₹99 + GST
- 3.5% forex markup — this was never a card to carry abroad
- Eligibility ran through Bajaj Finserv, not RBL: applicants had to already hold a Bajaj Finserv EMI Network card
- RBL charges 1% on FIVE transaction types its Schedule of Charges lists separately from the reward exclusions: rent (MCC 6513, on every transaction), fuel and auto above ₹10,000 a transaction (capped at ₹3,000), utility spends above ₹50,000 a month, education paid through third-party apps such as CRED, PhonePe or Paytm (school and college websites are exempt), and — with effect from 7 January 2026 — FASTag loading and tolls above ₹10,000 a transaction. These are FEES, listed nowhere near the reward exclusions: a category can both cost you 1% and earn you nothing
What these points actually fly
RBL Reward Points move to Club ITC — and that programme prices every award dynamically. There is no published chart to quote, so we quote nothing: an estimate is not a seat.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹1,00,000 a year is the bar that waives the ₹999 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. RBL Bank states what the Bajaj Finserv RBL Bank CA SuperCard earns, but has not published which spend categories count toward the fee waiver and the milestones — the ₹1,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. RBL's live Schedule of Charges has no CA SuperCard row and the bank's own product path returns a 403 where an invented path returns a 404. While it was open, Bajaj Finserv published the eligibility itself and it named no profession: Indian national, 25 to 65, a regular source of income, a CIBIL score of 750 or higher, a residential address inside the SuperCard service map — and, the real gate, an existing Bajaj Finserv customer holding a Bajaj Finserv EMI Network card. The chartered-accountancy framing lived in the benefit (the ICAI fee reversal), not in the application.
RBL Bank publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
6 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 23 Sept 2026Axis EDGE brings Accor back, drops ITC, and adds Cathay, Miles & More and HiltonAccor and Marriott off the grid since 2 April 2026; Club ITC live; no Cathay, Miles & More or Hilton → Accor live at the punished rates; ITC removed; Cathay, Hilton and Miles & More live; Marriott still gone
Axis's own Travel EDGE terms, re-read 25 September 2026, already show the grid that went live on 23 September. Accor ALL is back, and not at the old Atlas 1:2: EDGE Miles convert at 2:1 (Olympus 1:2) and EDGE Rewards at 5:1, with Magnus for Burgundy at 5:2 and only Burgundy Private still at 5:4. Club ITC is off the table. Three partners are new. Cathay Asia Miles sits on that same punished grid. Hilton Honors is the ordinary one: EDGE Miles 1:2, EDGE Rewards 5:2, Burgundy 5:4. Lufthansa Miles & More is the exception on Atlas, which converts 1:1 there while every other standard airline on that card is 1:2; the EDGE Rewards side of Miles & More is the ordinary 5:2. Marriott stays removed. Qatar Privilege Club was already back. Flying Blue, Air India and Qantas moved into Group A, which is the capped group. The Axis Rewards credit card's Amex network is advertised as joining-fee and annual-fee nil for a limited period; there is no separate Amex variant on this board, so that offer is not modelled as a fee change.
- 22 Aug 2026RBL relaunches the Shoppers Stop co-brand as a Gold / Platinum / Black trio
- 21 Aug 2026Club ITC pays up to 50,000 bonus Green Points for spreading 10 nights across all five brands
- 7 Jan 2026RBL bolts a 1% fee onto FASTag loads and tolls — the fifth 1% line on its charge sheet
- 1 Jul 2025RBL gates domestic lounges behind ₹35k a quarter
- 15 Oct 2024RBL strips points from education, government and wallet spends
Verified against RBL Bank's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Bajaj Finserv's own CA SuperCard product page (5 Apr 2023 capture) — ₹999 annual fee after a free first year, ₹1 lakh fee-waiver bar, the ICAI reversal, the earn grid and 4 domestic lounge visits
- official RBL Bank's SuperCard MITC JB-209/16 of 9 Dec 2016 (archived 29-Mar-2017) — the issuer document governing "all co-branded RBL and BFL Credit Cards"; SuperCard fee "Up to Rs.2,999" and 3.50% forex
- official RBL's live Schedule of Charges (RBL-CC-SOC-V2-12-12-2025) — sixty named fee rows and NO CA SuperCard row, the sourced basis for availability:closed