ACs on EMIs - Latest Offers, Deals, and Discounts - 2026

Looking to beat the heat without burning a hole in your pocket? Upgrade your comfort while keeping your budget in check by buying an AC on EMIs, with flexible payment options designed to make your purchase stree-free.
Apply
AC Offers & Deals
Apply
3 min
28-Feb-2026

Purchasing an air conditioner does not have to strain your finances. With AC on EMIs, you can easily upgrade your cooling system without paying the full amount upfront. Instead, enjoy the flexibility of monthly payments that fit your budget.

This festive season, take advantage of special Diwali AC offers on EMI and choose from top AC brands like LG, Voltas, Samsung, and more. Whether you shop online or in-store, EMI options make high-quality air conditioners more accessible than ever.

Overview of ACs on EMIs

Purchasing an air conditioner is now easier than ever, thanks to ACs on EMI options available through Bajaj Finserv. Whether you are shopping for the latest inverter AC or a high-capacity model, AC offers on EMIs let you enjoy premium cooling without upfront financial stress.

With Diwali AC offers on EMIs, you can take home your preferred brand at a lower cost, enjoy Easy EMIs, and flexible tenures—making it a budget-friendly choice for every household. The Bajaj Finserv Insta EMI Card ensures a quick and paperless process, so you can shop online or offline with ease and convenience.

Best AC brand offers and deals 2026

Top brands like LG, Samsung, and Whirlpool are offering exceptional deals for 2026. LG provides up to 30% off on select models, with additional discounts on higher-end units. Samsung's offer includes flat Rs. 10,000 off on premium models and Easy EMI options. Whirlpool's promotions feature significant cashback offers, making their ACs more affordable. These deals are perfect for upgrading to a more efficient and advanced cooling system while saving money.

Brand

Offers

Samsung

Enjoy a substantial 20% reduction on your purchase, making it an excellent opportunity to save on high-quality products without compromising on value.

Hitachi

Avail a 15% discount, offering you significant savings on your favourite items, ensuring you get more for less.

Voltas & etc.

Benefit from a generous 21% discount, allowing you to enjoy premium products at a fraction of the original price.

How to use the Insta EMI Card for buying an AC

  • Step 1: Visit any store or browse their website to select the AC that meets your needs.
  • Step 2: Once you have selected your AC, inform the sales representative that you would like to use your Bajaj Finserv Insta EMI Card for the purchase.
  • Step 3: Share your Insta EMI Card details with the store representative or enter them during online checkout.
  • Step 4: Choose an EMI tenure that suits your budget. Options range from 3 to 60 months.
  • The amount will be converted into easy EMIs, which you will pay over your selected tenure.

Also read: How to use the Bajaj Insta EMI Card

Benefits of using the Insta EMI Card for AC deals

Here is why using the Bajaj Finserv Insta EMI Card for your AC purchase is a smart choice:

Feature

Details

Easy EMIs

Split the AC cost into affordable monthly instalments with minimal interest, making it budget-friendly.

High pre-qualified limit

Get up to Rs. 3 lakh card loan offer amount to buy premium AC models or multiple products without upfront stress.

Wide acceptance network

Accepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.

Flexible repayment tenure

Choose a repayment period from 3 to 60 months months based on your financial comfort.

Zero down payment offers

Avail special festive deals with no upfront payment requirement.

No foreclosure charges

Close your loan early without any penalties or extra fees.

Credit score benefit

Timely EMI payments may help strengthen your credit profile and financial health.


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

Eligibility criteria for the Insta EMI Card

  • Nationality: Indian Citizen.
  • Age: 21 to 65 years.
  • Credit score: A healthy credit score per Bajaj Finserv policies.
  • Income: A steady regular source of income.
  • Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.

Also read: Eligibility criteria for the Insta EMI Card

How to apply for an Insta EMI Card

  1. Verify mobile number: Enter your 10-digit mobile number and verify the OTP sent to your phone to initiate the process.
  2. Auto-fetch details: Provide your full name and select the option to auto-fetch your details for a faster application experience.
  3. Confirm information: Verify your pre-filled personal details carefully and click on the continue button to move to the next stage.
  4. Check offer: Review your pre-qualified card loan offer amount and select continue to proceed with the specified credit limit.
  5. Setup wallet: Review your wallet setup details and verify the security OTP to integrate the card with your account.
  6. Verify identity: Complete your identity verification process by confirming your current residential address as per the required official records.
  7. Pay fee: Make the mandatory one-time joining fee payment of Rs. 530 through the secure digital payment gateway provided.
  8. View card: Access and view your new digital card details instantly on the Bajaj Finserv application after the successful payment.

Also read: How to apply for the Insta EMI Card

List of the biggest upcoming online sales:

Amazon Upcoming Sale

Flipkart Upcoming Sale

Amazon Great Indian Festival 2026

Croma Diwali Sale with Insta EMI Card

Diwali offers with Insta EMI Card

Amazon fridge offers 2026

Amazon mobile offers 2026

Reliance Digital Diwali offer 2026

Amazon Diwali offer sale 2026

Sangeetha Mobiles Diwali offers 2026

Poorvika Mobiles Diwali offers 2026

How to shop on Amazon without a credit card

Amazon Great Indian Festival 2026

Flipkart Cooling Days

Amazon Prime Day Sale

Amazon Electronics Sale

Frequently asked questions

What types of AC offers and deals are available using Insta EMI Card?
Using the Bajaj Finserv Insta EMI Card, you can access a range of AC offers including discounts, no-cost EMI options, and flexible repayment plans. This card makes it easier to spread the cost of your air conditioner over several months without additional financial strain.

Can I get a price match guarantee with AC deals and AC offers?
Price match guarantees vary by retailer and brand. Some retailers may offer to match or beat competitors’ prices on AC deals and offers. It’s best to check with the specific store or online platform to confirm if they provide a price match guarantee for air conditioners.

Are AC offers valid until stocks last or for a limited period?
AC offers are generally available for a limited period or until stocks last. Promotions often have specific start and end dates, so it’s advisable to check the details and act quickly to take advantage of the best deals before they expire.

Are there any seasonal AC deals and AC offers?
Yes, seasonal AC deals and offers are common, especially during peak summer months or festive seasons. Retailers and brands frequently provide special discounts and promotions during these times to attract customers and make air conditioners more affordable.

Which AC brands are available on EMI with the Insta EMI Card?

You can purchase air conditioners from all leading brands like Voltas, LG, Daikin, Samsung, and Blue Star using your Insta EMI Card. Major retailers like Croma, Reliance Digital, and Vijay Sales host these top-tier manufacturers. Simply visit a partner store to select your preferred brand and convert the cost.

Are energy-efficient inverter ACs available under EMI schemes?

You can easily find 3 Star and 5 Star rated energy-efficient inverter air conditioners under various EMI schemes. These modern units help you save on electricity bills while offering high-performance cooling. Use your card to choose a premium inverter model and spread the total price into affordable monthly instalments.

How long does it take for AC delivery after EMI approval?

You typically receive your air conditioner within 24 to 48 hours after the system approves your EMI application. Delivery timelines vary slightly based on your location and the specific stock availability at the retailer. Most partner stores in India prioritise quick dispatch once you complete the digital documentation process.

Are there additional processing fees for AC purchases on EMI?

You may need to pay a nominal one-time processing fee when you buy an air conditioner on EMI. This small administrative charge varies depending on the specific model and the ongoing festive offers at the store. Always check your final loan agreement at the counter to confirm the exact amount.

Show More Show Less

Bajaj Finserv App for All Your Financial Needs and Goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.

Explore and apply for co-branded credit cards online.

Invest in fixed deposits and mutual funds on the app.

Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.

Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.

Apply for Insta EMI Card and get a pre-approved limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Low Cost EMIs.

Shop from over 100+ brand partners that offer a diverse range of products and services.

Use specialised tools like EMI calculators, SIP Calculators

Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

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.
For customer support, call Personal Loan IVR: 7757 000 000

Related videos