5 reasons to get Insta EMI Card

Discover the top 5 reasons you need the Bajaj Finserv Insta EMI card today to experience unmatched convenience and financial freedom.
Top 5 Reasons to Get Insta EMI Card - Bajaj Finserv
3 min read
28 Sept 2022

Whether you want to buy a new refrigerator, a high-end DSLR camera, or workout equipment, your selections will have an influence on your savings. While the variety of buying alternatives within these categories appears to be endless, most of us do have budgets to take care of. To bridge this gap, it is recommended to consider acquiring more expensive things through equated monthly payments (EMI). Because of Easy EMIs, the Bajaj Finserv Insta EMI Card allows you to make large purchases without breaking the bank.

Based on your monthly financial plan and earnings, this card breaks your total cost into reasonable chunks. As a result, you can take your prized possessions home without making an initial down payment. Furthermore, the card can be used when shopping, providing access to additional benefits and enticing deals. In essence, the Insta EMI Card improves the rewards and convenience of your shopping experience dramatically.You might already be eligible for a substantial pre-qualified card loan limit – check your offers now by entering your mobile number and verifying it with an OTP.

Top 5 reasons to get the Insta EMI Card from Bajaj Finserv

The Insta EMI Card from Bajaj Finserv makes shopping easier and more affordable by converting big spends into smaller monthly payments. If you often shop online or in stores, here are five reasons why this card could be a smart choice for you.

1. Digital card with minimal documentation

You don’t need to visit a branch or fill out multiple forms to get started. The Insta EMI Card is completely digital, and you only need a few basic documents like your Aadhaar and PAN card to apply. Everything – from filling in the form to KYC and approval – can be done online. This saves time and lets you start using your card quickly. Learn more about eligibility and documents required for Insta EMI Card.

2. Accepted across over 1.5 lakh stores in 4,000+ cities

With this card, you can shop at any of the 1.5 lakh partner outlets spread across 4,000 cities in India. From electronics and home appliances to furniture and more, the card is accepted at top brands and local stores. This wide network means you can enjoy EMI shopping almost anywhere. Explore the full list of where to use Insta EMI Card.

3. Pre-qualified limits up to Rs. 3 lakh

One of the best parts about this card is the pre-qualified card loan offer limit. Based on your profile, you can get up to Rs. 3 lakh to use across different purchases. This limit can be used again and again, provided you repay on time. You can also raise your limit later. Know more about how to increase Insta EMI Card limit.

4. Instant approval online and offline purchasing

Whether you're buying a new phone online or a fridge from a local shop, the Insta EMI Card offers quick approval and instant activation. Just enter your card details and choose your repayment plan. It works just as well offline—just tell the store rep you want to use it. Learn how to get started with the Easy EMI Card.

5. Flexible repayment tenures up to 60 months

You get to decide how long you want to repay your EMI—anywhere from 3 to 60 months. This gives you the freedom to choose monthly payments that match your budget. It’s ideal if you want to manage your expenses smoothly over time. Learn more about flexible repayment tenure options.

6. Seasonal offers and deals

The Insta EMI Card comes with special offers throughout the year, including festive deals and zero down payment options on select products. During major festivals or sale events, you can grab high-value items without making an upfront payment.

The Insta EMI Card enables you to make the most of your online and offline buying experiences. It can provide you with access to our 1.5 lakh partner stores, zero down payments, a flexible repayment schedule, no foreclosure charges, and quick registration. Electronics, gadgets, appliances, devices, and wearables are also just a few touches away! The Insta EMI Card is a financial tool that can significantly improve your shopping experience. So, don’t wait – check your offers now! You might already be eligible; find out by entering your

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked questions

What is the purpose of EMI card?

The purpose of an EMI card is to provide customers with the convenience of making purchases on credit, allowing them to convert the cost of high-value products into easy monthly instalments, thereby easing the financial burden and making the purchase more affordable.

Who is eligible for EMI card?

Eligibility for an EMI card varies depending on the financial institution. Generally, individuals with a stable income, good credit history, and age within the specified range are eligible. Some providers may also offer EMI cards to certain account holders or credit card users.

What are the benefits of Insta EMI card?

The benefits of an Insta EMI card include instant approval, quick and hassle-free application process, and the ability to make purchases on easy instalment plans, enabling customers to buy desired items without immediate cash outflow and manage their expenses effectively.

Why do people choose EMI?

People choose EMI to afford products and services that may be beyond their immediate financial means. By breaking down the cost into smaller, manageable instalments, they can enjoy the benefits of the purchase right away without burdening their savings or monthly budget.

How is Insta EMI Card different from a credit card?

The Insta EMI Card converts purchases into EMIs easily and offers a pre-qualified card loan offer amount limit, unlike credit cards which may charge higher interest and require lengthy approval processes.

Can I check my Insta EMI Card status online?

Yes, you can track your card application status online through the app or by visiting the official Bajaj Finserv website and logging in with your mobile number.

How to apply for zero down payment financing with Insta EMI Card?

Shop at a Bajaj partner store during festive sales or offers, pick eligible products, and choose zero down payment when paying through your Insta EMI Card.

Is a credit score required for getting an Insta EMI Card?

Yes, a good credit score is one of the eligibility criteria to get approved for the Insta EMI Card, per Bajaj Finserv’s risk policies. You might be eligible – check your offers now by entering your number and using a one-time password for verification.

What is the credit limit on the Insta EMI Card?

You can get a pre-qualified card loan limit of up to Rs. 3 lakh, depending on your eligibility and financial profile at the time of application.

Is there a joining fee for the Insta EMI Card?

Yes, there is a one-time joining fee of Rs. 530/-, which includes all processing and registration charges required to activate your card.

What benefits do I get with the Insta EMI Card?

You get access to pre-qualified card loan limit, flexible EMIs, minimal paperwork, zero foreclosure charges, and seasonal offers at 1.5 lakh+ partner stores.

What are the charges for the Bajaj Finserv Insta EMI Card?

Besides the joining fee, late payments attract penal charges at 36% per annum per instalment. Bounce charges apply if a payment is rejected, for example due to insufficient funds. There are no foreclosure or hidden charges.

Is there any interest rate on the Bajaj Finserv Insta EMI Card?

Your purchases are divided into low-cost easy EMIs with minimal interest and no hidden charges. Ready to shop affordably? Check your eligibility for the Insta EMI Card now using your mobile number and OTP for verification.

What is the annual charge for the Bajaj Finserv Insta EMI Card?

There is no annual fee. You only pay a one-time joining charge, and there are no yearly maintenance fees on the card.

How can I apply for a Bajaj Finserv Insta EMI Card online?

Visit the official Bajaj Finserv website, enter your mobile number, complete OTP verification, fill the form, complete KYC, and pay Rs. 530/- to activate.

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