7 Secret Benefits of Bajaj Finance Card You’re NOT Using!
Introduction:
If you own a Bajaj Finance Card, you might think it’s just another credit card for shopping and emergencies. But what if I told you that this card hides exclusive benefits most users never discover?
Many cardholders swipe their Bajaj Finance Card for basic transactions, completely unaware of its money-saving hacks, reward multipliers, and financial flexibility features. Some of these perks are so well-hidden that even frequent users miss them.
After researching and speaking with financial experts, I’ve uncovered 7 powerful benefits that can help you save more, earn more, and spend smarter. Whether you’ve had this card for years or just got approved, this guide will show you how to unlock its full potential.
Ready to transform your Bajaj Finance Card into a financial super-tool? Let’s dive in!
7 Secret Benefits of Bajaj Finance Card You’re NOT Using!
1. The Hidden Cashback Loophole Most Users Overlook
Most Bajaj Finance Card users know about standard reward points, but very few take advantage of its hidden cashback opportunities. Unlike regular reward programs that offer minimal returns, Bajaj Finance has rotational cashback offers with partner merchants.
For example:
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Amazon & Flipkart frequently offer 5-10% instant discounts when you pay via Bajaj Finance Card.
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Swiggy & Zomato sometimes run cashback deals for food orders.
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Big Bazaar, Croma, and other retail stores provide exclusive in-store discounts that aren’t widely advertised.
How to Use This Secret?
Always check Bajaj Finserv’s offers section before making any online or offline purchase. Many of these deals are time-sensitive, so bookmarking the page can help you catch them before they expire.
2. The Smart EMI Trick That Saves You Thousands
One of the most underrated features of the Bajaj Finance Card is its No-Cost EMI option. While many users convert big purchases into EMIs, very few realize that not all EMI plans are equal.
Here’s the catch:
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Some products (like electronics on Amazon) have pre-approved No-Cost EMI, meaning you pay zero extra interest.
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Other merchants may charge hidden processing fees, making the EMI costlier than it seems.
How to Avoid the Trap?
Before selecting EMI, always:
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Compare the total EMI cost vs. the upfront price.
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Look for “No-Cost EMI” tags on e-commerce sites.
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Call Bajaj customer care to confirm if additional charges apply.
This simple check can save you ₹1,000-5,000 per purchase!
3. The Forgotten Fuel Surcharge Waiver That Cuts Petrol Costs
Did you know your Bajaj Finance Card gives you free fuel savings? Most users swipe their card at petrol pumps without realizing they’re eligible for a 1% surcharge waiver on fuel purchases.
Here’s how it works:
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Every time you buy petrol/diesel worth ₹500-₹3,000, Bajaj waives the 1% surcharge.
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If you spend ₹3,000/month on fuel, that’s ₹360 saved per year—just for using the right card!
Pro Tip: Some petrol pumps don’t automatically apply this waiver. If you’re charged extra, keep the receipt and claim a refund via Bajaj’s customer care.
4. The Mystery Reward Points That Boost Your Savings
Bajaj Finance Card’s reward system is more valuable than you think, but most users never redeem their points. Unlike some cards that offer measly 0.5% returns, Bajaj gives higher point accumulation on select categories like:
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5X rewards on grocery & utility bills
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3X rewards on dining & entertainment
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2X rewards on online shopping
How to Maximize This?
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Check your reward balance monthly (via app or website).
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Redeem for Amazon/Flipkart vouchers (better value than cashback).
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Use points before expiry (some devalue over time).
A little attention here can earn you ₹2,000-5,000 extra per year!
5. The Free Lounge Access Hack Nobody Talks About
Wait—a Bajaj Finance Card gives airport lounge access? Yes! But this perk is so rarely advertised that 90% of cardholders don’t know about it.
Here’s how it works:
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Some premium Bajaj cards (like the Bajaj Finserv RBL SuperCard) offer 4 free lounge visits per year.
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Even if your card doesn’t include it, Bajaj often runs limited-time promotions with free access.
How to Claim It?
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Check your card’s benefits booklet (often ignored).
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Look for Diners Club/Priority Pass partnerships.
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Call customer care and ask—sometimes they activate it on request!
This can save you ₹1,000+ per airport visit on food & drinks.
6. The Overlooked Insurance That Protects Your Purchases
Your Bajaj Finance Card comes with free purchase protection, but almost nobody uses it. If you buy something and it gets damaged, stolen, or lost within 90 days, Bajaj may refund or replace it.
Real-Life Example:
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You buy a ₹30,000 smartphone with your card.
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If it’s stolen within 3 months, Bajaj’s insurance could cover the loss.
How to Activate This?
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Register eligible purchases via Bajaj’s portal.
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Keep original bills & police reports (if stolen).
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File a claim within 7 days of the incident.
Most users never check this, missing out on thousands in potential claims.
7. The Credit Limit Trick That Boosts Your Spending Power
Many Bajaj Finance Card users never request a credit limit increase, assuming it’s a complicated process. But here’s the truth: Bajaj often pre-approves limit hikes for loyal customers.
How to Get a Higher Limit?
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Pay bills on time for 6+ months.
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Use at least 30-40% of your current limit regularly.
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Call customer care and politely ask—they often approve instantly!
A higher limit improves your credit score and gives you more financial flexibility.
Final Verdict: Is the Bajaj Finance Card Worth It?
After uncovering these 7 hidden benefits, one thing is clear: the Bajaj Finance Card is far more powerful than most people realize. From secret cashback deals to free lounge access, this card packs features that can save you thousands per year—if you know how to use them.
Action Steps to Start Today:
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Check your reward points and redeem them.
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Enable No-Cost EMI on eligible purchases.
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Use the card for fuel to get surcharge waivers.
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Explore insurance benefits on big purchases.
If you’ve been using your Bajaj Finance Card without these tricks, you’ve been leaving free money on the table. Start applying these tips today, and watch your savings grow!
“Hope you found this article on the 7 Secret Benefits of the Bajaj Finance Card helpful! Which benefit surprised you the most? Let me know in the comments!”
Read More: Want a Bajaj Finance Card? Here’s the Fastest Way to Apply Online!
My name is Rohit Vagh and I’m a content writer specializing in fashion and lifestyle. I have three years of experience in this field and have written various articles. My writing style is creative and engaging, and I strive to create content that resonates with my readers. I have a deep passion for fashion and am constantly researching the latest trends and styles to make sure my readers are up to date. I’m excited to continue my career in blogging, and I’m always looking for new opportunities in the fashion and lifestyle space.
