Don’t let upfront costs stop you from enjoying a cool and comfortable home. Now, you can buy your favorite air conditioner on easy EMIs without a credit card. With flexible financing options, minimal documentation, and instant approval, upgrading your space has never been easier.
Choose from top AC brands like LG, Samsung, Voltas, Blue Star, Hitachi, and more, available in split, window, and inverter models. Spread the cost over convenient monthly installments and enjoy transparent EMI plans with zero hidden charges.
Whether it’s for a hot city apartment or a cozy home, financing your AC is quick and hassle-free. Apply online, check your eligibility, and shop at partner stores to bring home comfort today without straining your budget. Thanks to the Bajaj Finserv Insta EMI Card, you can easily buy AC in EMI without credit card.
Stay cool, save smart, and beat the heat effortlessly with AC on EMI without a credit card.
Types of air conditioners available on EMI by budget
Explore a variety of air conditioners available on easy EMIs, designed to suit different room sizes, cooling needs, and budgets. Whether you need compact cooling for a small space or powerful climate control for your home, there’s an option for everyone.
Window AC
Window ACs are compact units that fit directly into a window or wall opening. Ideal for single rooms, they offer efficient cooling and are budget-friendly, making them perfect for small spaces and easy EMI purchases.
Split AC
Split ACs consist of an indoor and outdoor unit, providing powerful and quiet cooling for larger rooms. Known for their sleek design and efficient performance, split ACs are widely popular and easily available on EMI plans.
Portable AC
Portable ACs are movable units that don’t require permanent installation. Perfect for renters or temporary setups, they provide flexible cooling solutions and can be purchased on EMI for hassle-free payments.
Central AC
Central AC systems are designed to cool entire homes or commercial spaces uniformly. Offering advanced climate control and energy efficiency, these units are ideal for larger areas and can alvso be financed through EMI options.
Price guide - Based on the type of air conditioners available on EMI
Air conditioner type |
Starting price |
Split AC |
Rs. 26,990 |
Window AC |
Rs. 25,490 |
Portable ACs |
Rs. 1,499 |
Use your Insta EMI Card to shop the type of AC you require affordably, without paying a lumpsum upfront. Check your eligibility for this digital card now using your mobile phone number and OTP.
Types of air conditioners available on EMI by stars rating
Air conditioners are rated from 1-star to 5-star based on energy efficiency. Choosing the right star rating helps you save on electricity bills while enjoying comfortable cooling. All these ACs are available on easy EMI options for flexible payments.
1-Star AC
1-star ACs offer basic cooling at an affordable price but consume more electricity. They are suitable for small rooms or occasional use and can be conveniently purchased on EMI.
3-Star AC
3-star ACs provide balanced cooling and energy efficiency, making them ideal for moderate use. These units combine performance with reasonable electricity savings and are easily available with EMI plans.
5-Star AC
5-star ACs are highly energy-efficient and deliver superior cooling performance while minimizing electricity consumption. Perfect for frequent or all-day use, these premium units can also be bought on flexible EMI options.
Air conditioner star rating |
Starting price |
5-Star |
Rs. 32,990 |
4-Star |
Rs. 30,990 |
3-Star |
Rs. 26,990 |
2-Star |
Rs. 25,490 |
List of top-rated AC available on easy EMIs
AC model |
Brand |
Type of AC |
Key features |
MRP |
Offered price |
1.5 Ton 3 Star Window AC |
Voltas |
Window AC |
Compact design, copper condenser, energy-efficient cooling |
Rs. 38,000 |
Rs. 27,990 |
1 Ton 5 Star Window AC |
LG |
Window AC |
Energy-saving, durable build, fast cooling |
Rs. 34,000 |
Rs. 25,490 |
1.5 Ton 3 Star Window AC |
Hitachi |
Window AC |
Quick cooling, easy maintenance, long-lasting |
Rs. 36,500 |
Rs. 26,990 |
1.5 Ton 3 Star 5-in-1 Convertible Inverter Split AC (18TTC3-W) |
Godrej |
Split AC |
i-Sense tech, hydrophilic blue fins, silent compressor |
Rs. 45,900 |
Rs. 33,990 |
1.5 Ton 5 Star Inverter Split AC (US-Q19CNZE) |
LG |
Split AC |
Dual inverter compressor, copper condenser, 6-step fan |
Rs. 55,990 |
Rs. 47,990 |
1.5 Ton 3 Star Convertible Inverter Split AC (183V Vectra Magnum) |
Voltas |
Split AC |
Turbo tech, dual temp display, anti-fungal filter |
Rs. 64,990 |
Rs. 33,990 |
1 Ton Portable AC (PC12DB) |
Blue Star |
Portable AC |
Easy mobility, self-diagnosis, high ambient cooling |
Rs. 38,000 |
Rs. 30,990 |
1 Ton Portable AC (GLP12B01TP) |
Lloyd |
Portable AC |
Compact design, auto restart, effective cooling |
Rs. 35,000 |
Rs. 28,490 |
1.5 Ton Portable AC (CPCATF-PQ3S12) |
Cruise |
Portable AC |
Multi-stage filtration, energy-efficient, medium rooms |
Rs. 40,000 |
Rs. 32,990 |
Using your Bajaj Finserv Insta EMI Card to buy AC with Easy EMI
Here’s how you can use your Insta EMI Card:
Visit one of the 1.5 lakh+ partner stores located in 4,000+ cities across the country.
Browse the many options available and select the AC that suits your requirements.
Approach the store representative at the billing counter, and express your desire to split the AC price with EMI.
Provide the details of your Bajaj Finserv Insta EMI Card, and choose a repayment tenure of up to 60 months. The cost of your AC will be split into easy monthly instalments, payable over your chosen tenure.
If you’re making your purchase during the festive season, you might be able to avail zero down payment. Air conditioner of your choice is yours to take home without any upfront payment..
Check also: How to use Insta EMI Card for online shopping
How to apply for the Bajaj Finserv Insta EMI Card
Don’t have a Bajaj Finserv Insta EMI Card? No worries! You can easily apply for one prior to purchase at the billing counter. Just ensure you meet the basic eligibility criteria and minimal documentation requirements. The store representative at the counter will assist you with your application and verify your documents. Pay the one-time fee of Rs. 530/- (inclusive of applicable taxes) after your verification and approval are complete, and your card will be issued and ready to use.
Prefer to apply online? You can do so by downloading the Bajaj Finserv App or visiting the official Bajaj Finserv Insta EMI Card web page. Once you share and authenticate your mobile number, fill in the application form to know your credit limit. Next, complete the KYC verification using your Aadhaar credentials or DigiLocker and pay the one-time joining fee. You can then activate your card after registering the e-mandate with your bank account details and IFSC code.
Check also: How to apply for Bajaj Finserv Insta EMI Card
Eligibility criteria for getting the Insta EMI Card for buying air conditioner on EMI
Eligibility criteria: Indian national between 21-65 years of age with regular income and a 720+ credit score.
Documentation required: PAN and Aadhaar card, address proof, bank account information and IFSC code for e-mandate
Curious how you qualify? You might already be eligible – check your offers now by entering your mobile phone number and verifying it with a one-time password.
Check the documents required for the Insta EMI Card
Benefits of using EMI Card for buying air conditioner on EMI
Widely accepted across India in over 4,000 cities
Generous card loan limit of up to Rs. 3 lakh
Divide your purchases into manageable equated monthly instalments
Choose a tenure of up to 60 months, suitable to your financial circumstances
Zero down payment offers during festive seasons
Improve your credit score through regular, on-time EMI payments to boost your chances of bagging financial products on favourable terms
Check the benefits and features of Insta EMI Card
This summer, don’t sweat it! Just chill with your new AC with Easy EMIs. Bajaj Finserv Insta EMI Card makes it convenient to shop for your air conditioner on EMI without credit cards required. Check your Insta EMI Card offers in minutes using just your mobile phone number and OTP for verification.
