Understanding Rajvidya Credits
Credits are Rajvidya's flexible currency for generating reports and accessing premium features. Unlike traditional subscriptions, credits are:
- Permanent: They never expire. Once purchased, credits remain in your wallet indefinitely until used.
- Flexible: Use them when needed—no rush to consume before deadlines.
- Granular: Pay only for what you use (1-2 credits per report, depending on complexity).
What Requires Credits?
Report Generation
- 1 Credit: Birth Chart Report, Transit Report, any single Divisional Chart (D2, D9, D10, D60)
- 2 Credits: Specialized Analysis (Career, Marriage, Health, Spiritual)
- 4 Credits: Comprehensive Bundle (all reports for a single profile)
Advanced Features
- Free Astrologer Tier: Included (unlimited white-label report generation for your practice)
- PRO Tier: Included (12-month, with unlimited report generation)
Not Credit-Based
These are free:
- Birth chart display and interactive analysis
- Dasha timeline viewing
- Transit monitoring
- Profile management
Credit Packages & Pricing
Individual Packs
- Starter: 5 credits for ₹99 ($1.99 USD / €1.99 EUR)
- Popular: 15 credits for ₹249 ($4.99 / €4.99) — 3 credits free bonus
- Pro: 50 credits for ₹699 ($12.99 / €12.99) — 10 credits free bonus
- Enterprise: 200 credits for ₹2,499 ($44.99 / €44.99) — 50 credits free bonus
Subscription Plans (Alternative)
- Monthly Pass: ₹149 ($2.99) — 10 credits/month (renewable, auto-charged)
- Quarterly Pass: ₹399 ($7.99) — 30 credits/quarter (3-month auto-renewal)
Buying Credits
From Wallet
- Click your profile → Wallet & Credits
- View current balance and available packages
- Click Add Credits
- Select a package or subscribe to a pass
- Choose payment method (Card, UPI, Net Banking, or wallet integration)
- Complete payment
- Credits appear instantly in your wallet
Payment Methods
- Credit/Debit Card: Visa, Mastercard, American Express
- India-specific: UPI, Net Banking (HDFC, ICICI, AXIS, SBI, etc.)
- Global: PayPal (where available)
- Wallet: Link Apple Pay or Google Pay for one-tap checkout
Credit Expiry Policy: Never Expires
Permanent Balance
Unlike gift cards or vouchers:
- Credits do NOT expire after 1 year, 2 years, or any timeframe
- Old credits mix seamlessly with new credits (FIFO—first purchased, first used)
- You can purchase today and use the credits in 5 years
Why This Matters
Rajvidya's no-expiry policy means:
- For casual users: Buy credits when needed; no pressure to rush
- For professionals: Build a credit reserve for busy seasons
- For families: Pool credits across family members without deadline stress
Viewing Your Wallet
Wallet Dashboard
Access from Profile → Wallet & Credits. Shows:
- Current credit balance (main account + any bonus credits)
- Purchase history with timestamps
- Credits used in the past 30 days
- Refund requests and status
Transaction History
- All credit purchases (with invoice links)
- All credit usage (which reports were generated)
- Promotional credits added (if any)
Refund & Credit Policies
Unused Credits
If you regret a purchase:
- Within 7 days: Full refund to original payment method, no questions asked
- After 7 days: Credits are permanent (no refunds), but remain forever usable
Used Credits (Reports Generated)
No refunds on reports generated. However, if you encounter a technical error:
- Report generation fails and credits aren't charged
- Rajvidya automatically credits your account if a report corrupts on download
Subscriptions (Passes)
Monthly and quarterly passes can be cancelled anytime:
- Cancellation takes effect next billing cycle
- Unused credits from current period remain in wallet
- No cancellation fees
Gift Credits (Coming Soon)
Rajvidya plans to launch "Gift Credit" functionality:
- Purchase credit gift cards for friends/family
- Redeem codes via email or shared link
- Bonus referral credits for inviting friends
FAQs
Q: Can I share credits with family?
A: Credits are tied to individual accounts. To share, one family member should operate a shared "family account" with multiple profiles.
Q: Do credits roll over monthly?
A: Yes. Unlike monthly passes which reset, accumulated credits persist indefinitely across months and years.
Q: What if I run out of credits mid-report?
A: Rajvidya reserves the minimum credits before starting. If you don't have enough, a prompt appears to add credits before proceeding.
Smart credit management puts report generation power in your hands—buy when you want, use when you need, never waste on expiry dates.