Did you know a significant portion of cardholders globally, including India, are unaware of the benefits their cards offer? The world of credit cards has dramatically evolved, and credit card benefits go far beyond simple cashback. Understanding these perks could transform your financial strategy, putting more money in your pocket and adding a touch of luxury to your everyday life.

Why you need to know about these benefits now

The credit card industry is in constant flux, with issuers vying for your attention through increasingly innovative features. Staying informed about these benefits isn’t just about keeping up with trends – it’s about maximising every swipe, tap, or digital transaction. Let’s explore the lesser-known perks that could be sitting in your wallet right now.

Redeemable reward points on every transaction

Gone are the days when reward points were limited to big purchases or specific categories. Now, every transaction, no matter how small, can contribute to your point balance. These points can be redeemed for a wide array of rewards, from travel miles to merchandise, effectively giving you a rebate on all your spending.

Accelerated reward points for online transactions

Nowadays, online shopping has become the norm. Credit card issuers have taken notice, offering accelerated rewards for online purchases. This means your regular online grocery order or impulse buy during a midnight scrolling session could earn you more than the standard points. During major online sales events, these multipliers can skyrocket your rewards balance.

Concierge services for busy professionals

Imagine having a personal assistant at your beck and call, ready to help with tasks ranging from booking reservations to finding the perfect gift. That’s exactly what many credit cards now offer through their concierge services. This benefit can be a game-changer for busy professionals, saving time and reducing stress.

Welcome bonuses and fuel surcharge waivers

New cardholders often enjoy generous welcome bonuses. But the benefits don’t stop there. Fuel surcharge waivers can lead to significant savings for frequent drivers. For instance, if you spend Rs. 5,000 monthly on fuel, a surcharge waiver of Rs. 1,200 annually could go a long way.

Complimentary airport lounge access

Long layovers and delayed flights can be a nightmare, but not if you have access to airport lounges. Many credit cards now offer complimentary access to these havens of comfort. Picture yourself relaxing in a plush chair, enjoying free Wi-Fi, refreshments, and even shower facilities while other travellers fight for seats at crowded gates.

Annual fee waiver and easy EMI conversion

In urgent situations, the ability to withdraw cash from your credit card without immediate interest charges can be a lifesaver. With up to 50 days interest-free on cash withdrawals, you have the flexibility to manage unexpected expenses without the stress of high-interest charges looming over you.

Movie ticket offers and overall savings

For cinema enthusiasts, regular offers on movie tickets can significantly reduce entertainment expenses. When combined with other discounts and benefits, savvy cardholders can save a substantial amount annually. 

How to choose the right credit card for you

Selecting the ideal credit card requires a thoughtful approach. Start by assessing your spending habits – do you travel frequently, dine out often, or spend more on groceries? Next, consider your financial goals. Are you looking to build credit, earn rewards, or manage cash flow? Finally, review the eligibility criteria, ensuring you meet the income and credit score requirements.

Bajaj Finserv RBL Bank Credit Cards: The ultimate financial tool

Bajaj Finserv RBL Bank Credit Cards stand out in the crowded credit card market by offering a combination of these cutting-edge benefits. From redeemable reward points on nearly every transaction to accelerated rewards on online purchases, these cards cater to the modern consumer’s needs. The dedicated concierge services, generous welcome bonuses, and fuel surcharge waivers add significant value.

Moreover, the complimentary airport lounge access and potential annual fee waiver make these cards attractive for both frequent travellers and everyday users. The easy EMI conversion option for purchases and outstanding balances provides financial flexibility, while the interest-free ATM cash withdrawal period offers peace of mind during cash crunches. Finally, with annual savings of up to Rs. 55,000, you could fund a vacation or boost your savings account.

Maximising your financial potential in 2024

Credit cards offer a wealth of benefits that extend far beyond simple purchasing power. Don’t let these valuable benefits go to waste. Take a closer look at your current credit cards or consider upgrading to a Bajaj Finserv RBL Bank Credit Card to access these innovative features. Remember, in the world of personal finance, knowledge is power – and now you have the knowledge to make your credit card work for you like never before.

Ready to make the most of your credit card benefits? Visit the Bajaj Finserv website or download the Bajaj Finserv App to apply today!