Bajaj card is one of the most popular credit cards in India. One of the most important factors to consider when choosing a credit card is the annual fee. Bajaj card annual fee is an important aspect to evaluate before you apply for the card. In this article,
we will discuss how to evaluate and maximize your bajaj card annual fee. We will also discuss other features of the card, such as the ability to buy anything on EMI, for example a Tabala on EMI.
Evaluating Bajaj card annual fee
Bajaj card offers different types of credit cards, such as Platinum Plus, World, and EMI card. Each type of card has a different annual fee. Before you apply for the card, it’s important to evaluate the annual fee and see if it’s worth it. Let’s take a look at the annual fees of different types of Bajaj cards:
– Platinum Plus card: Rs. 999
– World card: Rs. 1,499
– Insta EMI card: No annual fee
As you can see, the annual fee of Bajaj cards is quite reasonable compared to other credit cards in India. However, you should consider your spending habits and see if the benefits of the card outweigh the annual fee.
Maximizing your annual fee with Bajaj card
Once you have evaluated the annual fee and decided to apply for the card, it’s important to maximize the benefits of the card to make the most of your annual fee. Here are a few ways to do so:
1. Use the card for all your purchases
One of the easiest ways to maximize your annual fee is to use the card for all your purchases. This way, you can earn reward points and cashback on every purchase. Bajaj card offers reward points on every purchase, which can be redeemed for various rewards such as vouchers, gift cards, and discounts.
2. Pay your bills on time
Another way to maximize your annual fee is to pay your bills on time. Late payment fees can add up quickly and negate the benefits of the card. Bajaj card offers a grace period of up to 50 days for repayment of bills. If you can repay your bills on time, you can avoid late payment fees and interest charges.
3. Avail Tabala on EMI
Bajaj card offers Tabala on EMI, which is a unique feature that allows you to purchase musical instruments on EMI. This feature is especially useful for music enthusiasts who want to purchase high-end musical instruments but cannot afford to pay the full amount upfront. The feature allows you to pay for the instrument in monthly installments, making it easier to manage your cash flow.
To avail Tabala on EMI, all you need to do is visit one of the authorized music stores that accept Bajaj Finserv Insta EMI Card.
4. Use the card for international transactions
If you frequently travel abroad or make international purchases, using Bajaj card for these transactions can help you save money. Bajaj card offers a forex markup fee of only 1.99%, which is one of the lowest in the market. This means you can save money on currency conversion fees and get a better exchange rate.
5. Redeem your reward points
Bajaj card offers reward points on every purchase, which can be redeemed for various rewards such as vouchers, gift cards, and discounts. If you accumulate enough reward points, you can even use them to pay for your annual fee. This way, you can make the most of your annual fee and enjoy the benefits of the card without paying anything extra.
Conclusion
Bajaj card annual fee is an important factor to consider when choosing a credit card. However, it’s important to evaluate the fee in the context of your spending habits and see if the benefits of the card outweigh the annual fee. If you decide to apply for Bajaj card, make sure to maximize the benefits of the card by using it for all your purchases, paying your bills on time. You should also consider availing Tabala on EMI and using the card for international transactions to save money. By using these tips, you can make the most of your annual fee and achieve financial freedom.
