How to Shop Mobile Phone on EMI Without a Credit Card

Many people assume a credit card is the only way to buy a mobile phone on EMI, but that is not the case. The Bajaj Finance Insta EMI Card offers a pre-qualified card loan that makes shopping for electronics more accessible, without needing a credit card at all.

Whether you want the latest smartphone with advanced features or a budget-friendly option, you can find it at a partner store and pay for it in manageable monthly instalments. This makes owning a new mobile phone possible without straining your finances in one go.

The Bajaj Finance Insta EMI Card gives you a straightforward way to buy a mobile phone without paying the full amount upfront. Here is what the card offers:

• A card loan offer of up to Rs. 3 lakh, so you can plan for the model and storage variant you want.
• Easy EMIs across a flexible tenure of 3 to 60 months, letting you choose a plan that suits your monthly budget.
• Acceptance at 1.5 lakh partner stores across 4,000 cities, including Croma, Reliance Digital, and Vijay Sales, as well as online at Amazon and Flipkart.
• Zero down payment on select products and during festive season offers, reducing the amount you pay at checkout.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan that lets you shop for mobile phones and other electronics, and repay the amount in Easy EMIs. It works at 1.5 lakh partner stores and online platforms, and you can activate it without submitting physical documents.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If eligible, you can apply instantly and start shopping for your preferred mobile phone easily and affordably.

Applying for the Bajaj Finance Insta EMI Card is a quick, fully online process that takes only a few minutes. Follow these steps to get started:

1. Enter your 10-digit mobile number and click on 'CHECK OFFER' on this page.
2. Enter the OTP and submit.
3. Enter your full name and click on 'Yes, Auto-Fetch Details'.
4. Verify your pre-filled personal details and click on 'CONTINUE'.
5. Check your pre-qualified card loan offer amount and click on 'CONTINUE'.
6. Review your wallet setup details and verify the OTP.
7. Complete your identity verification by confirming your current residential address.
8. Post successful identity verification, pay a one-time joining fee of Rs. 530 (inclusive of applicable taxes).
9. After successful payment, view your card details on the Bajaj Finance app.

Note: The online process may differ slightly based on whether you are a new customer or have an existing relationship with us.

Also read: How to apply for the Insta EMI Card

At a partner store

Using the Bajaj Finance Insta EMI Card at any of 1.5 lakh partner stores, such as Croma, Vijay Sales, or Reliance Digital, is quick and straightforward. Follow these steps:

1. Select the mobile phone you want to buy.
2. Tell the store executive you want to pay using the Bajaj Finance Insta EMI Card.
3. Share your registered mobile number and card details with the executive.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Authenticate the transaction using the OTP sent to your registered mobile number.
6. Your purchase is approved instantly, so you can take your phone home the same day.

For online purchases

You can also use the Bajaj Finance Insta EMI Card to shop on partner platforms including Amazon and Flipkart. Follow these steps:

1. Browse for the mobile phone you want and add it to your cart.
2. At checkout, select the Bajaj Finance Insta EMI Card as your payment option.
3. Enter your card details and registered mobile number.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Confirm the transaction using the OTP sent to your registered mobile number.
6. Your order is confirmed, and your Easy EMIs begin from the next billing cycle.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, helping you plan your purchase better.

Keeping track of your EMI payments helps you maintain a good credit history and avoid unnecessary stress. Here is what helps:

• Set up reminders or automatic payments so you never miss a due date.
• Choose a repayment tenure that comfortably fits your monthly income, rather than the shortest option available.
• Review your EMI schedule periodically to keep track of how much you have repaid and how much remains.
• Repay on time consistently, since timely repayment reflects positively on your credit profile over time.

The Bajaj Finance Insta EMI Card offers several advantages beyond just splitting payments. From flexible tenures to wide acceptance, here are the key benefits that make this card a practical choice for everyday purchases.

Also read: Features and benefits of the Bajaj Finance Insta EMI Card

Before you apply, it helps to check whether you meet the basic eligibility requirements. The Bajaj Finance Insta EMI Card is open to most working Indians, and the criteria are simple to understand at a glance.

• Nationality: Indian Citizen.
• Age: 21 years to 65 years.
• Credit score: A healthy credit score per Bajaj Finance policies.
• Income: A steady, regular source of income.
• Documents: No physical documentation required when applying online. Only the following details are required: PAN and Aadhaar number.
• Form 60: In case of non-availability of PAN, Form 60 is required.

Also read: Eligibility criteria for the Insta EMI Card

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