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:
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.
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.
For using your EMI Card, you don't need to give any documents. Your EMI Card carries all the necessary information required.
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.
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.
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
email@example.com for all your queries
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
To know the address of your nearest branch Click Here.
- 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.