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 zero down payment. With No Cost EMI, repay the amount in convenient monthly installments without incurring any additional charges like processing fees or interest rate. Our Bajaj EMI card can be used across a vast network of stores and e-commerce platforms. Walk into any of our 1 lakh+ partner stores, such as Big Bazaar or Croma or visit an e-commerce partner like Flipkart or Amazon and buy your favorite product on No Cost EMIs.

Features & Benefits of Bajaj Finserv EMI Network Card

  • Get Up to Rs. 2 lakh loan pre-approved

  • Online application – 100% digital process

  • Rs. 500 Cashback on Activation

  • Easy online & offline shopping from wide network of partner stores

  • No need to carry card everywhere – access through Bajaj Finserv Wallet App

  • Zero foreclosure charges

  • An EMI network across 2900 cities – it includes online stores as well as 1.2 partner stores that are across 2900 plus cities. You have the option to choose from over 1.2 million products.

  • You can shop more now with no-cost EMIs.

Note: The Bajaj Finserv EMI Card is now called Bajaj Finserv EMI Network Card.

BajajFinserv EMI Network Card Eligibility

  • Your age should be between 21 to 60 years
  • You must have a regular source of income

Documents Required for Bajaj Finserv EMI Network Card

In case you are applying for a Bajaj Finserv EMI card online, you don’t require any documentation. But if you are applying for an offline EMI card, you need to provide the required KYC documents. For more information, check out Bajaj Finserv EMI Network Card Charges.

How to apply for the Bajaj Finserv EMI Network 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 EMI Network 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 EMI Network 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 EMI Network 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 EMI Network Card

Types of Fees and Charges Amount (Rs.) Percentage (%)
EMI Network Card Fee Rs.530/- (Inclusive of applicable taxes)
Annual Fee Rs.117/- (inclusive of applicable taxes). The annual fee will only be charged to the EMI Network Card holders who are yet to avail 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. 530/-(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 EMI Network 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 EMI Network Card.

There is no specific minimum amount to make a purchase using Bajaj Finserv EMI Network 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 EMI Network Card.

Bajaj Finserv EMI Network 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 EMI Network 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, 530. 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. 530. 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.

The EMI plans on the Bajaj Finserv EMI Network Card are conveniently spread over 3, 6, 9, 12, 18, and 24 months. Based on your purchase for no-cost EMI, relevant plans will be shown on the payment page during checkout.

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 EMI Network Card. To avail of the EMI benefits, you can use the Bajaj Finserv Digital Health EMI Network Card to get benefits for over 800 treatments in more than 1,000 cities.