Credit Card Benefits Calculator

Learn more about the annual savings and benefits you can earn with our credit cards.

About the credit card benefit calculator

A credit card benefit calculator is a financial tool that helps you estimate the benefits you get on your credit card. The Bajaj Finserv Credit Card Benefit Calculator requires you to fill in a few information like your monthly spends, based on which it recommends the best credit card suitable for you. Alongside that, you get a view of the annual benefits you gain on your annual spends. By providing a clear picture of the financial implications of credit card usage, these calculators empower users to make prudent financial choices and enhance their overall financial well-being.

Disclaimer for RBL Bank Credit Cards

Results generated by the calculator(s) are indicative in nature. The calculator(s) are not intended to provide its users/ customers with results that are either certified by Bajaj Finance Limited ("BFL") or Ratnakar Bank Limited ("RBL") or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by BFL or RBL, under any circumstances.

The calculator(s) are only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer.

The use of the calculator is entirely at the risk of the user/ customer. BFL/RBL is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator. Issuance and final credit limit of Bajaj Finserv RBL Bank Credit Card shall be at the sole and absolute discretion of RBL and based on RBL's credit policy.

Actual benefits will depend upon the actual product features and reward point value at the time of availing the card.

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Disclaimer for DBS Bank Credit Cards

Results generated by the calculator(s) are indicative in nature. The calculator(s) are not intended to provide its users/ customers with results that are either certified by Bajaj Finance Limited ("BFL") or Development Bank of Singapore Limited ("DBS") or are an obligation, assurance, warranty, undertaking or commitment, financial and professional advice by BFL or DBS, under any circumstances.

The calculator(s) are only a tool that assists the users/ customers arrive at results of various illustrative scenarios generated from data input by the user/ customer.

The use of the calculator is entirely at the risk of the user/ customer. BFL/DBS is not responsible for any reason, for any errors in any outcome resulting from the use of the calculator. Issuance and final credit limit of Bajaj Finserv DBS Bank Credit Card shall be at the sole and absolute discretion of DBS and based on DBS's credit policy.

Actual benefits will depend upon the actual product features.

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Frequently asked questions

What are the best benefits on credit cards?

The benefits of credit cards may vary depending on the type of credit card and the issuing bank. However, common benefits include cashback, reward points, travel rewards, discounts on shopping, and other exclusive offers. Some credit cards also offer benefits such as airport lounge access and credit card insurance.

How is the credit card limit calculated?

The credit card limit is determined based on several factors such as your credit score, income, repayment history, and overall creditworthiness. The credit card issuer evaluates these factors before determining your credit limit. The credit limit can vary and may be increased or decreased based on your credit card usage and repayment history.

Is there an extra charge if I overuse the credit card?

Yes, there is an extra charge if you overuse your credit card beyond the credit limit. This charge is called an over-limit fee, and it is added to your credit card bill. It is essential to keep track of your credit card usage and to stay within your credit limit to avoid over-limit fees.

How much reward points do I get on shopping?

The reward points earned on shopping may vary depending on the type of credit card and the reward program. Typically, credit card rewards are calculated based on the amount spent on shopping. However, the number of reward points earned on shopping varies with different credit cards. Some credit cards offer higher reward points in specific categories such as grocery shopping, fuel purchases, or dining. It is important to review the reward structure of your credit card to understand how much reward points you can earn on shopping.

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