EMI Card

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Now simply Swipe, Sign and Buy any Durable or Lifestyle product of your choice with your EMI (Existing Member Identification) Card, only from Bajaj Finserv.No need to gather another set of documents or go through the process of applying for a loan.

If you are an existing customer of Bajaj Finserv, you can opt for our EMI Card.

Just walk into any of our partner consumer durables or life style product outlets across more than 100 cities in India with your EMI Card,(You can apply for an EMI Card with our Durable and Lifestyle products loan. If you are an existing customer you can also apply for EMI Card online from your Customer Portal login,swipe your card and walk out with your favourite Durable or Lifestyle product.

Features and Benefits

We deploy technology and apply innovation to create unique and compelling propositions that help you do what you always wanted to do. Hereunder are a host of unique features and benefits that you enjoy with EMI Cards from Bajaj Finserv. Read on to know more:

Pre-Approved eligibility

The EMI Card carries a pre-approved loan in your wallet. You can avail of your loan facility to purchase any Durable and Lifestyle product of your choice.

Instant approval

Simply Swipe, Sign and Buy with your EMI Card. The moment you swipe your card, you get instant approval, subject to the amount pre-approved for you.

Minimum documentation

For using your EMI Card, you don't need to give any documents. Your EMI Card carries all the necessary information required.

Preapproved Offers

As an existing customer, you get exclusive preapproved offers from time to time across a host of our partner retailers and manufacturers.

Online Account Access

Get all information about your loan like repayment track, interest certificate, payment schedule, etc. through the Customer Portal. Just log in with your loan account number and access whatever information you want about your loan.

Eligibility and Documents

EMI Card is issued only to our existing customers.
Only the following documents are required for your EMI Card:

  • Open ECS mandate duly signed (Open ECS is same as other ECS with an extended period so that you don’t have to give fresh ECS for your purchases in future.)
  • One cancelled cheque
  • KYC formalities (valid photo ID proof and address proof)

Fees and Charges

All you have to pay is a one-time charge of Rs.249 (to enjoy a lifetime membership of EMI Card).

How to Apply

You can apply for your EMI Ccard at the time of the purchase of a Durable or Lifestyle product on finance from Bajaj Finserv(or through the Customer Portal login on our website, if you are an existing Durable or Lifestyle Finance customer). Your EMI Card will be sent to you after four months of your being on board with us. You can opt for the following ways to apply:

At the point of sale while buying your Durable / Lifestyle product:

You can sign up for your EMI Card when you buy your Durable or Lifestyle product on finance, through any of our retail partners. Your EMI Card will be sent to you after 4 months of loan repayment, subject to timely repayments of your loan installments.

Online through the Customer Portal:

You can apply online anytime through our Customer Portal. Make an online payment of Rs.249 and your EMI Card will be sent to you within 7-10 working days.

Rewards Program

Our Innovation not only meets stated needs but also anticipates future wants. We have now created a unique EMI Rewards Program to reward your every purchase. Your EMI Card will now double up as an EMI Rewards Card, serving as a tool for you to earn and redeem reward points at any of our partner merchant outlets.

You could also redeem your reward points on our online rewards catalogue, crafted exclusively for you.

Initially, we will only extend the EMI Rewards Program to our EMI Card customers in Pune and launch in other cities, soon.


The EMI Rewards program is created to reward you against your daily purchases at all our partner merchant outlets. Our network of partner merchants cater to your various requirements – from daily needs to occasional and lifestyle needs. Our network of merchants cut across categories like grocery, pharmacy, opticians, F&B, salon, spa and apparel. To keep pace with your requirements, we will widen our merchant categories down the line, so that you can earn more reward points on more purchases.

Earning a reward point at partner merchant outlet is simple. Just present your EMI Card at the time of purchase to earn your reward points instantly. The cashier will swipe your EMI card to add to your reward points.

The rewards program is flexible and accommodates earning of reward points, irrespective of the mode of payment you choose – cash, debit or credit card. There is no minimum cap required on your purchase amount ensuring you to earn points even on your smallest purchases.

Once you have accumulated reward points, you can either redeem them against your next purchase at any of our partner merchant outlets or against an array of items from our online rewards catalogue.

Click here to visit the EMI Rewards website.

Frequently Asked Questions

Q1. What is an EMI card?

A. The EMI Card is a pre-loaded card with a pre-approved * Durable & Lifestyle Product Loan. You can use this card to buy your favourite durable (or lifestyle products) on EMI Finance* by simply swiping your card at our partner retail outlet

**EMI Finance option is available on select products/ brands / dealerships, and may vary from time to time as per scheme availability.

Q2. What is the loan amount on the EMI card?

A. The pre-approved loan amount on your EMI Card depends on the loan amount assigned to you by Bajaj Finance Limited at the time of your taking a Durable or Lifestyle product loan. This loan amount varies from Rs. 30,000 to Rs. 1,25,000/- .

Q3. Where all can I use this card?

A. You can use the EMI Card at any of our partner retail outlets across more than 100 cities in India.

Q4. Is this a credit card?

A. Your EMICard from Bajaj Finservis not a credit card. It is Existing Member Identification Card given to our existing customers who have availed of a Durable & Lifestyle product loan with us. This is a pre-approved card with a particular loan amount to give our customers the freedom to finance their Durable & Lifestyle products in minutes.

Q5. Can someone else use the EMI Card on my behalf?

A. For safety and security reasons, we recommend that only the card holder uses the EMI Card for making purchases. The liability of the loan taken using the EMI Card rests solely with the holder of the EMI Card.

Q6. Do I get any dealer discounts/ offers with this card?

A. Yes. You will be eligible for various dealer offers and promotions by our authorized dealers from time to time. These will get communicated to you via e-mail or SMS from time to time. This is in addition to the features and benefits you enjoy on your EMI Card.

Q7. How do I repay the loan availed of on my EMI card?

A. The Durable / Lifestyle product loan availed of through the EMI Card is like your existing Durable / Lifestyle product loan. You can repay the loan anytime, by paying your balance outstanding installments through Equated Monthly Installments. In case you need more details, please feel free to write to wecare@bajajfinserv.in quoting your loan account number.

Q8. How do I enquire more about the EMI Card?

A. You can write to us at wecare@bajajfinserv.in , call us toll free on 1800 209 5152 or visit our website on www.bajajfinserv.in.

Q9. How do I get my EMI Card statement?

A. You can view your transaction details online on the Customer Portal . Simply log in using your username and password. Your login details are printed on the reverse of your EMI Card. You can also write to wecare@bajajfinserv.in or call us toll free on 1800 209 5152 to get the details.

Q10. Where can I get my Customer Portal username and password?

A. Your login details are printed on the reverse of your EMI Card or you can send an SMS EXPERIA to +91 92275 64444 from your registered mobile to get the username and password.

Q11. Can I apply for an add on card?

A. Currently, we do not offer any Add on card options on the EMI Card.

Q12. Do I need to pay a charge to the retailer for any transaction I make on the EMI Card?

A. Apart from the one time EMI Card fee of Rs. 249 charged at the time of opting for the card, you may or may not need to pay any additional transaction charges, depending on the schemes running at the Dealership at that point of time.

Q13. What is the validity of the EMI Card?

A. Your EMI Card is vaild for 10 years from the date of issue. During this period you can use this card at any of our partner outlets to purchase a Durable or Lifestyle product. After 10 years of validity, the card will be renewed on you request.

Q14. How do I change my mobile number, email or address given during the time of opting for the EMI Card?

A. Simply write to us on wecare@bajajfinserv.in or log on to the Customer Portal Experia and make the necessary changes. Alternatively, you may speak to our Customer Service Executive on 1800 209 5152.

Q15. What should I do if my EMI Card gives an error while swiping?

A. Our representatives at the partner outlet will be there to assist you. In case your problem is not resolved, please call us toll free at 1800 209 5152.

Q16. What do I have to do to return the card physically?

A. In case you wish to return the card, kindly cut the card in two and return it to: First Source Solutions Ltd, C/o EMI Card, Bajaj Finance Ltd., 4th Floor, Bajaj Finserv Corporate Office, Off Pune - Ahmednagar Road, Viman Nagar, Pune - 411014

Contact us

Not an existing customer yet?

Visit any of our retail outlets across more than 100 cities. Click here to find the nearest outlet in your city.

For Existing Customers

IVR – Toll Free
  • Dial 18002095152
  • Enter your 7-digit BFL Customer ID or 16 digit EMI card number
  • Select from various IVR options
  • Access IVR in 10 languages: English, Hindi, Bengali, Marathi, Punjabi, Gujarati, Tamil, Telugu, Kannada and Malayalam
  • Acess to all loan details


wecare@bajajfinserv.in for all your queries

SMS Updates

SMS <<keyword below>> to +91 92275 64444
Keyword list for your requirements:
GETEMAIL for your current email address
UPDEMAIL <New email> to update your email address
GETADD for your current registered email address
CUSTID to know your customer ID
LAN to know your Loan Account Number
EMI LAN to know your loan/ EMI details
EXPERIA to know your Customer Portal user ID and password
PIN to know your 4 digit EMI card PIN
FEEDBACK to give your valuable feedback
SAT Y Give a positive feedback
SAT N to give a negative feedback
(Your mobile number should be registered with us for this facility). Standard SMS Charges applicable

Visit Our Branch

You can additionally avail of these services at our branch:

  • Change of mode of payment (Cheque / ECS Swapping)
  • Purchase/cancellation of Insurance policy
  • Foreclosure of loan
  • Refund

To know the address of your nearest branch Click Here.

Customer Portal

  • www.bajajfinserv.in
  • Log in using your User ID and Password
  • Access all loan details
  • Manage your loans
  • View special offers

Financial Fitness Report

We launched the Financial Fitness Report (FFR) for our Salaried customers in December 2013.
Through this report we would educate and create financial and credit awareness among Salaried customers, one of our many value added services we provide. We have partnered with a firm called Credit Vidya who possesses the expertise in preparing the FFR for our customers.

The FFR is a concise, crisp, customized and easy to understand report, available at just Rs.749, for select existing customers, covering the following:

  • A customers’ Credit Score
  • Demystifying the credit score for the customer and informing him about his performance across various components of the score
  • Key monetary ratios & savings potential which would provide awareness to a customer about his financial leverage
  • Recommendations to the customer with respect to his credit behavior
  • DO’s & DON’T’s of good credit behavior

Click here to view a sample copy of the report

How to Apply

The Financial Fitness Report is only available to select existing customers who have an offer on our Customer Portal.
To view the FFR offer, a customer must log in to the Customer Portal with a Username/Email ID/Mobile Number and Password.

Alternately a Salaried customer could seek information about the FFR from our Sales / Credit Manager during the Personal loan application process. The report for a new customer is priced at 999/-
Post application for a FFR, the report is generated within 3 days post disbursal of the loan and emailed to the customer on the email ID provided by him/her.


Product Reviews

Happy to get emi card....now easy to buy products...... Thanks Bajaj finserv......
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Happy to get emi card....now easy to buy products...... Thanks Bajaj finserv.....
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Happy to get emi card....now easy to buy products...... Thanks Bajaj finserv......
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Keep up the good work Bajaj Finserv team. It was a healhty relationship with the team of Bajaj employees at the store. Will certainly use the card every time I buy a product from any dealer
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The response from the team was quick at various stages. I would like to thank Mahesh for his timely availablity and response on phone, mails and calls. Really appreciate you guys!
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