RBL Freedom SuperCard
KeepA fixed deposit that opens a lounge door — and waives its own fee at ₹75,000.
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
Welcome: 2,000 Reward Points on ₹2,000 of spend within 30 days of card issuance
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 ₹7,000 a month
At ₹7,000 a month — ₹84,000 a year — on the everyday mix this card returns ₹200 gross (earn ₹200) against a fee of ₹0 — the ₹999 is waived, the spend having cleared ₹75,000 a year = ₹200 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 · why it ranks #1053
Why #1053 Ranked below every card a reader can still apply for. RBL's live Schedule of Charges names sixty card variants and this is not one of them, and the Bajaj Finserv co-brand it was issued under has ended. For a fixed-deposit-backed card it was unusually complete — four lounge visits, a movie ticket every month and a fee that waived itself at ₹75,000.
The take
A secured card that does not behave like one. RBL built the Freedom SuperCard with Bajaj Finserv against a fixed deposit — "Enjoy 100% of your Fixed Deposit amount as credit limit", which is a full one-for-one rather than the 80% or 90% most FD-backed cards give — and then put a real benefit set on top of it: four complimentary domestic lounge visits a year, a buy-one-get-one BookMyShow ticket every month, a fuel-surcharge waiver, five free add-on cards, and a fee that disappears on ₹75,000 of annual spend. That waiver bar is the lowest RBL has ever set — its live Schedule of Charges asks ₹1.5 lakh or ₹2 lakh of comparable cards — so in practice this was close to free for anyone using it at all. The "SuperCard" name is about the cash side. RBL's SuperCard line lets you draw a large slice of the credit limit as an interest-free cash advance, and here that slice is 75% of the limit, which on a deposit-backed card means you can take three-quarters of your own money back out as cash. The earn is the ordinary RBL floor — one point per ₹100, doubled online to a thousand points a month — and the exclusion list is long: insurance, education, utilities, rent and wallet loads all earn nothing. RBL's live Schedule of Charges no longer names this card, and the Bajaj Finserv co-brand it was issued under has ended.
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 ₹75,000 of spend in the year before renewal — about ₹6,250 a month — and the renewal fee is not charged.
Break-even ₹7,000 a month — ₹84,000 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
₹800 a year, net of the fee, at ₹3,00,000 of annual spend — this clears the waiver, so no fee is charged
₹1,500 a year, net of the fee, at ₹6,00,000 of annual spend — this clears the waiver, so no fee is charged
₹3,000 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹9,000 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹15,000 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
- 100% of your fixed-deposit amount as credit limit — a full one-for-one, where most secured cards give 80% or 90%
- 4 complimentary domestic lounge visits a year, one a quarter
- The annual fee waives itself at ₹75,000 of spend — a low bar, though not RBL's lowest: five Platinum-family cards reverse theirs at ₹50,000
- 75% of the credit limit available as a cash limit
- 2 Reward Points per ₹100 online, to 1,000 points a month, against a 1-point base
- Buy-one-get-one BookMyShow ticket up to ₹200, once a month
- Up to five complimentary add-on cards for a spouse, parents or children
Watch out
- WITHDRAWN — RBL's live Schedule of Charges prices sixty card variants by name and this is not one of them; the Bajaj Finserv co-brand has ended
- 0.25% on ordinary spend — one Reward Point per ₹100 at RBL's ₹0.25 point value
- Insurance, education, utility, rent and wallet-load spends earn NOTHING, online or off
- The online double stops at 1,000 Reward Points a month, which is ₹50,000 of online spend
- It is a secured card: the credit limit is your own fixed deposit, and the deposit is locked while the card is open
- RBL points are a closed loop — no airline or hotel transfer partner — and a ₹99 + GST redemption fee applies
- RBL names no lounge operator and publishes no room list against the four visits
- 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
₹75,000 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 RBL Freedom SuperCard earns, but has not published which spend categories count toward the fee waiver — the ₹75,000 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 no longer lists the Freedom SuperCard among its card variants, and the Bajaj Finserv partnership it was issued under has ended.
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