• Bajaj Finserv Credit Pass

    Monthly CIBIL Score checks | Personalised credit dashboard | Plans starting at Rs. 59

Credit Pass

Manage your credit health like a pro.

Select a subscription plan for Credit Pass

Explore subscription options to unlock your ideal credit monitoring plan.

Standard Plan  Premium Plan   
Price: Rs. 59, Duration: 6 months Price: Rs. 99, Duration: 12 months   
Monthly score checks     Monthly score checks    
Regular credit score monitoring  Regular credit score monitoring 
Credit Health Report   Credit Health Report  
Personalised dashboard Personalised dashboard
Customised view for managing credit at a glance  Customised view for managing credit at a glance 
   Score simulator (predictive tool)  

Features and benefits of our Credit Pass

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Features and benefits of Credit Pass

Watch this video to know more about the key features and benefits of our Credit Pass.

  • Credit Pass features

    Monthly score checks

    Use your Credit Pass to check your updated CIBIL Score every month. Checking your score does not impact your credit score.

  • Credit Pass feature

    Personalised dashboard

    Get a summary of all your loans and credit cards in one place. Use our handy tips to improve your credit score.

  • Credit Pass for Rs. %$$CP-STANDARD-PLAN$$%, valid for 6 months

    Credit Pass for Rs. 59, valid for 6 months

    Get unlimited access to features like credit factors, Credit Health Report, account summary and more.

  • Credit Pass feature

    Tools to manage your credit health

    Use the Credit Score Simulator and the EMI Calculator to make informed decisions before applying for loans or credit cards.

  • Credit Pass feature

    Credit factors

    Track factors such as repayment history and credit utilisation that impact your credit health.

    *Terms and conditions apply.

    Still haven’t found what you are looking for? Click on any of the links on the top of this page

What is a CIBIL Score and what does it mean?

Your CIBIL Score serves as a measure of your creditworthiness, assessing your capacity to repay borrowed amounts. It ranges from 300 to 900. Aim for a high score as a higher score makes you a more reliable applicant when applying for loans or credit cards. Conversely, a low score suggests a history of not making timely payments. Work on improving your CIBIL Score as a low score makes you appear less responsible as a loan applicant.

CIBIL Score range What it means
Less than 650 Poor - This represents the lowest CIBIL Score range. A score in this range indicates a history of delayed credit card bill payments or loan EMIs. Individuals in this range are at a high risk of becoming defaulters.
650-699 Average - This CIBIL Score range suggests struggles in meeting payment deadlines. While not as critical as the lower range, it still reflects a challenge in timely repayment.
700-749 Good - A CIBIL Score within this range indicates good credit behaviour, increasing the likelihood of credit card or loan approval. However, obtaining the most favourable interest rates might still be a challenge.
750-849 Great - CIBIL Scores above 750 are considered great, showcasing consistent and timely payment history. Individuals in this range are at the lowest risk of default.
850-900 Excellent - CIBIL Scores above 850 are considered excellent. A score in this range makes it easier to secure loans with lower interest rates. Lenders are more likely to approve loan applications from individuals with such high credit scores.

How to check your CIBIL Score

Video Image 00:31
   

Frequently asked questions

What is a Credit Pass?

India’s first Credit Pass by Bajaj Finserv is a subscription plan that allows you to check your credit health. You can check your credit score, get a personalised credit dashboard, and learn about the factors that affect your credit health.

You can also take necessary actions to improve your credit score

Read more about our Credit Pass

How much do I have to pay for the Credit Pass?

You have two subscription options. The Standard plan is priced at Rs. 59 and has a duration of 6 months. Alternatively, you can opt for the Premium plan, which costs Rs. 99 and provides a subscription period of 12 months. 

How can I sign up for Credit Pass?

You can sign up for the Bajaj Finserv Credit Pass online by completing a few simple steps:

  • Click on “SEE YOUR CREDIT PASS” at the top of this page.
  • Enter your mobile number and verify with an OTP
  • Enter a few basic details like name, PAN card details etc. 
  • Select a subscription plan that suits you
  • Pay for the plan to get your Credit Pass

You can now log in to your Credit Pass account. View your Credit Pass dashboard, check your credit score, and view your report.

How many times can I check my credit score with the Credit Pass?

With the Credit Pass you can check your credit score as many times as you want. There is no negative impact of this on your score.
Your CIBIL score is usually updated every 30-45 days basis inputs shared from all credit institutions like banks and Non-Banking Financial Institutions (NBFCs) to TransUnion CIBIL.

Can I access my credit report with the Credit Pass?

Yes, you can view your detailed credit report with our Credit Pass. Your credit report has a detailed summary about your credit score, factors affecting your score and tips to help you improve your credit health.  To check your personalised credit report, sign up for our Credit Pass.

Do I have to renew my Credit Pass subscription?

Your Credit Pass is valid for 12 months for a one-time fee of Rs. 99. You will have to renew your Credit Pass subscription at the end of the year to continue enjoying the services on offer.

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