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Bajaj Finserv Insta EMI Network Card

Enjoy shopping like never before with Bajaj Finserv EMI Network Card. Purchase big-ticket items that you had been long waiting for, like Smart TV, Latest Smartphone, Laptop, etc., With No Cost EMI, repay the amount in convenient monthly instalments. Our Bajaj EMI card can be used across a vast network of stores and e-commerce platforms. Walk into any of our 1.5 lakh+ partner stores, such as Big Bazaar or Croma or visit an e-commerce partner like Flipkart or Amazon and buy your favourite product on No Cost EMIs.

Features & Benefits of Bajaj Finserv Insta EMI Card

Online shopping

You can use this card on shopping sites like Bajajmall.in, Amazon, MakeMyTrip, Vijay Sales, Tata Croma, Reliance Digital and others.

Everything on EMIs

Shop for daily groceries, electronics, fitness equipment, home appliances, furniture and more, and split the bills into No Cost EMIs.

Lower-EMI special schemes

You can opt for our special EMI schemes that offer a longer repayment tenure and reduce your monthly EMI.

Zero down payment

During festive seasons, we run zero down payment schemes where you do not have to pay anything at the time of purchase.

Accepted at 1.5 lakh+ stores

The card is accepted across 4,000 large and small cities. Wherever you are, walk into our partner stores and shop on EMIs.

Flexible Repayment Tenures

Convert your purchases into monthly instalments and pay back over 1 month to 60 months.

End-to-end digital process

The entire application process is online. It takes less than 10 minutes to complete.

BajajFinserv Insta EMI Card Eligibility and Documents Required

Eligibility criteria
  • Nationality: Indian
  • Age: 21 years to 65 years
  • Income: You must have a regular source of income
  • Credit score: 720 or higher
Documents required
  • PAN Card
  • Address proof
  • Signed ECS mandate

How to apply for the Bajaj Finserv Insta EMI Card

The online application process to get the EMI card is easy.

  • To apply for EMI Card Visit

  • Submit your mobile number and PAN card details

  • Once this is done, your eligibility will be checked

  • If you are eligible, you will be asked to complete the account opening form

Enjoy shopping with our Bajaj Finserv EMI Card

Buy online with your Insta EMI Card

  • Bajaj Finserv EMI network Partner store is the most popular store where customers purchase things using EMI card at No Cost EMI.
  • Our Bajaj Online & Offline Partner Stores offer you a wide range of products that you can shop at no-cost EMIs.

Here is the list of Bajaj Finserv EMI Network Online Partner Stores that you can shop from using the no-cost EMI option:

E-Commerce
  • Amazon
  • Flipkart
  • E-store
  • Paytm Mall
 Travel
  • Makemytrip
  • GoIbibo
  • Yatra
 Furniture
  • Athome
  • Hometown
  • Pepperfry
Mobile Phones
  • Samsung
  • Oneplus
  • Vivo
  • Oppo
  • Redmi
  • Realme
  • Google
  • Lava
  • Motorola
  • Poorvika Mobiles
  • Happi Mobiles
  • B New Mobiles
  • Supreme Mobiles
  • Zebrs
  • S.S. Communication
 Televisions
  • LG
  • Sony
  • TCL
  • VU
  • Samsung
  • Onida
  • Haier
  • Llyod
 Lifecare
  • Apollo Hospitals
  • Ruby Hall Clinic
  • Richfeel
  • Narayana Nethralaya
  • Oasis Fertility
  • Sabka Dentist
  • VLCC
  • Dr. Batra

Please Note: This card is an easy digital payment system that can be used in both, online and offline stores.

Apart from the online stores, the same products can be purchased at offline stores (which are partners with Bajaj Finance Limited). Some big chains include Lotus, Chroma, Reliance Digital, etc. and other small retailers in all cities.

How to Apply for the Bajaj Finserv Insta EMI Card Offline

  • Opt for in-store financing at partner stores like Reliance Digital, Croma, Vijay Sales, Shoppers Stop, Big Bazaar and Sargam Electronics.
  • Choose the items you want to purchase from the store.
  • Inform a store representative that you want to opt to apply for the Bajaj Finserv Insta EMI Card offline.
  • Furnish some basic details for verification purposes.
  • After verification, access your EMI Card on the Bajaj Markets app.

Bajaj EMI Card Fees & Charges of the Bajaj Finserv Insta EMI Card

Types of Fees and Charges Amount (Rs.) Percentage (%)
EMI Network Card Fee Rs.530/- (Inclusive of applicable taxes)
Online Convenience Charge Rs.69/- (Inclusive of applicable taxes) Applicable to customers who avail Insta EMI card exclusively through digital mode.
EMI Network Card Loan Limit Enhancement Fee Rs.117/- (Inclusive of applicable taxes) upfront payment from customers who are availing benefit of increasing their card limit.
Annual Fee Rs.117/- (inclusive of applicable taxes). The annual fee will only be charged to the EMI Network Card holders who have not availed of any loan using the EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last year’s validity month that’s printed on the face of your EMI Network Card. For example, if the EMI Network Card is issued in the month of February 2022 (referred to as ‘Member Since’ on the EMI Network Card) the date for payment of the annual fee will be March 2023.
Add-on EMI Network Card Fee Rs.199/- inclusive of applicable taxes

Bajaj Finserv EMI Network Card is available at a nominal processing fee of Rs. 599/-(inclusive all taxes).

Please note, post activation, the annual fee of Rs. 117 will be waived off for the next year, if the Insta EMI Card is used for at least one transaction in the current year.

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Bajaj Finserv Insta EMI Card FAQs

Yes, you can purchase home appliances such as AC, refrigerator,washing machine, water purifier, air cooler, etc. and convert the price of your purchase into easy EMIs using the Bajaj Finserv Insta EMI Card.

There is no specific minimum amount to make a purchase using Bajaj Finserv Insta EMI Card. You can shop your favourite products and convert the purchase price intoconvenient EMIs.

No, money cannot be withdrawn from an ATM and other platforms through your Bajaj Finserv Insta EMI Card.

Bajaj Finserv Insta EMI Card ` comes with a pre-approved loan that you can use to pay for the purchase, and then you can convert these expenses into easy and customized EMIs and repay as per your convenience. Also, by using Bajaj Finserv Insta EMI Card, you get to enjoy a wide range of exciting offers and discounts.

CKYC validation is done by entering your PAN and mobile number or DOB and OKYC validation is done by entering your Aadhaar number and validating the same with captcha or OTP.

Bajaj EMI Card interest rate is practically zero. Mostly the products available on the EMI network can be purchased through monthly installments without any additional cost. For only a few products a nominal down payment or a minimal processing fee needs to be paid

The limit depends on multiple factors like- your CIBIL score, income level, and repayment capacity. One can increase the card limit by maintaining a good repayment history.

The joining fee of the Bajaj Finserv EMI Network Card is Rs. 599. An annual fee of Rs. 117 (including all taxes) is levied if no loan is taken on an EMI network card for a year.

  1. Log on to the partner e-commerce website.
  2. Skim through the category and choose your product.
  3. Select your payment method as Bajaj Finserv No Cost EMI.
  4. Choose a comfortable EMI as per your needs.

There are a few steps that you need to follow.

  • Either open the app or click on the ‘Apply now’ option.
  • Choose your profession, and enter your registered cell phone number, DOB, and your name as per your PAN card. Read and accept the T&C.
  • Then, you need to click on the ‘Next’ option.
  • You’d be asked to validate the transaction using the OTP that’s sent on your registered mobile number.

After you view the approved EMI Card Offer, you have to enter a few details, complete the KYC verification and pay the application fee of Rs. 599. As a last step, you have to authorize the e-mandate process, after which you can view and access your Insta EMI Card in your wallet.

Use the Bajaj Finserv EMI Network card to convert your small and big purchases into interest free EMIs and repay over 60 months.

To speak to the customer care of Bajaj Finserv, you need to call the customer care number which is – 08698010101, or else you can visit the Bajaj Finserv Customer Portal and resolve your queries.

You may repay the loan amount in Equated Monthly installments (EMIs) basis on the repayment tenure you’ve chosen at the time of purchase. You may also foreclose your loan at any time without having to pay any foreclosure charges.

For paying health insurance in EMIs, you have to select your desired medical plan and proceed with premium payment in easy installments using your Bajaj Finserv Insta EMI Card. To avail of the EMI benefits, you can use the Bajaj Finserv Digital Health Insta EMI Card to get benefits for over 800 treatments in more than 1,000 cities.

© Bajaj Financial Securities Ltd