In today's competitive financial landscape, your credit profile matters more than ever. With lenders relying heavily on credit scores and reports to make lending decisions, building a strong credit profile is key to accessing the best interest rates and credit products. This is where the Bajaj Finserv Credit Pass can be a total game changer.

Why Do You Need a Credit Pass?

The Credit Pass helps you build an excellent credit profile, not just by providing you with data-driven insights into your creditworthiness, but also by equipping you with the tools you need to be proactive and responsible with your credit behaviours. By enabling responsible credit usage and timely payments, it reflects favourably on your credit report. This helps strengthen your profile and inch your credit score upwards over time.

Uses of Credit Pass

Powered by India's leading credit information company, TransUnion CIBIL, Bajaj Finserv's innovative Credit Pass subscription service offers some unique advantages. An affordable alternative to the recurring CIBIL Membership charges, you can access the Credit Pass benefits outlined below for as little as Rs. 99 per year. 

    • Monthly CIBIL Score updates: Monitor your score every month to catch any fluctuations and identify issues impacting your credit health. Timely insights help you take corrective actions.
    • Personalised credit dashboard: Get an integrated snapshot of all your credit accounts in one place for easy tracking, and benefit from helpful tips to manage and improve your creditworthiness. 
  • Real-time credit health report: Say goodby to gaps in data. Enjoy real-time credit health report insights that can help you stay on top of your credit game.
  • Credit factors tracking: Dive deeper into parameters like your repayment history, credit utilisation patterns and others that influence your score. Know where to focus your improvements.
  • Interactive tools (premium plan only): Test 'what-if' scenarios to estimate how actions like taking a loan may impact your score before you apply with the Credit Score Simulator. Calculate your Equated Monthly Instalment payments for any loan amount to simplify financial planning with the EMI Calculator.

The Credit Pass puts the power of data and insights directly in your hands so you can monitor and build your credit effortlessly! 

Get the Credit Pass Now

Ready to transform your credit experience? The good news is that the Credit Pass is both affordable and easily accessible in under two minutes. Simply:

  • Click on the ‘SUBSCRIBE' button on the dedicated Credit Pass page
  • Enter your mobile phone number and complete the authentication process
  • Share basic information about yourself, including your name and PAN card number
  • Select one of two available Credit Pass subscription variants:
    • Standard plan: Rs. 59 for 6 months
    • Premium plan: Rs. 99 for 12 months
  • Complete payment successfully to activate your Credit Pass membership

You can now log in and view your personalised credit dashboard and check monthly updates to your CIBIL Score as many times as you want. 

Monitoring your credit score regularly and being up-to-date on your credit health report gives you visibility on where you stand and what steps you need to take to reach your goals. Whether you're new to credit or looking to improve your creditworthiness, a Credit Pass membership can set you firmly on the path to credit success. With its host of flexibilities, a Credit Pass is the ideal enabler as you work towards building your dream credit profile.