Track your Insta EMI Card on our service portal
The Bajaj Finserv EMI Network Card, also known as the Insta EMI Card, is a unique way of financing. It lets you shop across categories such as clothing, furniture, home and kitchen appliances, and more and divide the cost into equated monthly instalments.
If you’re looking for more information about your Insta EMI Card – your available loan offer amount, card status, you can visit our service portal.
Sign-in with just your mobile number and one-time password to:
- Track your Insta EMI Card details and usage.
- Download EMI card welcome letter
- Block or unblock your card.
View your Insta EMI Card details
Check your Insta EMI Card status, its loan offer amount, card number, card validity, and more by signing-in.
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Check your card details
You can check your card details by following these simple steps:
- Sign-in with your registered mobile number, and the OTP.
- Enter your date of birth for verification and proceed.
- ‘View all’ under ‘Your Relations’.
- Select the insta EMI card
- Find your card details like card status, validity, total and available loan offer amount.
You can also click on ‘View your card details’ to sign-in. Once signed-in, select your card from 'Your Relations’ section and view its details
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Check your card details
Sign-in with your mobile number and the OTP to view your card details.
Trouble viewing your EMI card number? Here's what you can do
If you're unable to view your EMI Card number, it could be due to one of the following reasons. Then, follow the steps below to troubleshoot and resolve the issue.
Common Reasons Why Your EMI Card Number Isn’t Visible
- Registered mobile number SIM not in the device
The SIM card linked to your registered mobile number is not inserted into the device you're currently using. - Insufficient SMS balance on prepaid SIM
If you're using a prepaid SIM, it may not have enough balance to send the SMS required for EMI Card verification. - Incorrect SIM selection during authentication
If your phone has multiple SIM, the wrong one might be selected during the EMI Card login process.
How to Fix EMI Card Visibility Issues
- Insert the correct SIM
Make sure the SIM associated with your Bajaj EMI Card is inserted in the device you're using. - Check SMS balance
If you're on a prepaid plan, ensure your SIM has enough balance to send SMS for EMI Card access. - Select the correct SIM
During authentication, choose the SIM linked to your registered mobile number to complete the process successfully.
Download your Insta EMI Card welcome letter
Your welcome letter includes a personalized summary of your relationship with us, details of your EMI Network Card, and information on applicable fees and charges. It’s designed to help you understand your account better and make the most of your EMI benefits from day one.
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Check your EMI card welcome letter
You can download the EMI card welcome letter related to your Insta EMI Card by visiting our service portal.
- Sign-in with your registered mobile number, and the OTP.
- Verify your details using your date of birth and proceed.
- Go to 'Service' and click on Statements & documents .'
- Select 'Insta EMI Card.'
- Click on 'View Statements.'
- Click on ‘Welcome letter.'
- Click on the download button to download the ‘Welcome letter.
You can also click on ‘Download your ‘Welcome letter option below.
You’ll be asked to sign-in and then redirected to the ‘Document Centre’ section. You can then select your loan account to view its documents and click on ‘Statement of Account’ to download it.
Download your welcome letter
How to update your Insta EMI Card PIN
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Reset your Insta EMI Card PIN
Your Insta EMI Card comes with a four-digit Personal Identification Number (PIN). You’ll be asked to set up a new one when you activate your card. You’ll then need this PIN for every transaction. If you forget your PIN, or need to update it, you can reset it by visiting the service portal.
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Reset your EMI Card PIN
- Sign-in with your registered mobile number and the OTP.
- Verify your details with your date of birth and proceed.
- Go to ‘view all’ under ‘Your Relations.’
- Select your EMI card number.
- Click on 'Reset PIN.'
- Enter and then re-enter your new PIN.
You can also click on the ‘Change your PIN’ option below to sign-in. Then, you can select your card from ‘Your Relations’ and proceed.
Once you complete the process, you’ll receive a notification on your screen.
Block or unblock your Insta EMI Card
Your Insta EMI Card is a great way to manage your purchases, but you may face a situation where you need to block your card.
If you don’t wish to use it for some time, you can block your card. In case you’re one of our old customers, and have misplaced your physical EMI Network Card, you can block it online.
In such a scenario, blocking your Insta EMI Card can help you prevent misuse or fraud. And you can do this by visiting our service portal. However, once your card is blocked, you won’t be able to use it to shop.
However, there are other scenarios due to which your Insta EMI Card might get blocked. These include non-payment of instalments, or a low CIBIL Score. In such a case, it will get unblocked once you clear your overdue EMIs or improve your credit score that meets our internal policies. An SMS is sent to your registered mobile number to inform you about any change in the status of your card.
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Block your card
You can block your card by visiting the service portal.
- Sign-in with your mobile number and the OTP.
- Enter your date of birth for verification and proceed.
- Go to ‘Service.’
- Select your EMI card from 'Your Relations.'
- Click on ‘Block Card.’
- Enter the reasons for blocking and proceed.
You can also click on the ‘Block your Insta EMI Card’ option below to sign-in. Then you can select your card from ‘Your Relations’ and proceed to block. Your card will be blocked instantly. -
Unblock your card
If you’ve blocked your card in the past and want to use it again, you can unblock it by visiting our customer portal.
- Sign in to the ‘Service’ portal with your registered mobile number and OTP.
- Enter your date of birth for verification and proceed
- Go to ‘Service’
- Select your EMI card from ‘Your Relations’
- Click on ‘Unblock card’
- Verify with an OTP sent to your registered mobile number and proceed.
You can also click on the ‘Unblock your Insta EMI Card’ option below to sign-in. Then select your card from ‘Your Relations’ and proceed to unblock.
Your card will get unblocked, and you’ll receive a notification on your screen once you complete the process.
Access your Insta EMI Card digitally
Your Insta EMI Card is fully digital – you don’t need a physical card to shop at a store or on an e-commerce website.
All you have to do is to share your card number with our representative at a partner store or add its details while shopping online.
You can access your Insta EMI Card online by signing-in to Bajaj Finance service portal.
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Check your Insta EMI Card number
You can check your card number by visiting our service portal.
- Sign-in with your registered mobile number, and the OTP.
- Verify your details using your date of birth and proceed
- Go to ‘Service’ and click on ‘Your Relations’.
- Select your EMI card number.
- Click on EMI Card Number eye icon
- Once you click on the eye icon, SIM Binding/OTP Verification will be initiated
- Then, complete the DOB (as per PAN) verification
- You will be able to see the Unmasked EMI Card Number
You can only view the EMI card details via Bajaj App
Where to use your EMI Card
You can use your EMI Card to shop for 1 million+ products – from groceries to smartphones, laptops, electronics, home appliances, and more. The card gives you the option to split your bills over flexible tenures of 3 months to 60 months and convert your purchases into easy EMIs.
Use your Insta EMI Card to shop for your favourite products across the following:
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Bajaj Mall
Choose from your favourite gadgets, electronics, home appliances, or lifestyle products on Bajaj Mall with your Insta EMI Card.
Use your mobile number and OTP to sign-in to Bajaj Mall. Choose your favourite product, select the EMI plan, and confirm your delivery address. Once you complete your purchase, you will receive your product within the committed timeline.
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Leading E-commerce websites
Visit your preferred online shopping website like Amazon, MakeMyTrip, Vijay Sales, and others and shop on No Cost EMIs. Select the product, choose to pay on EMIs, select your tenure, and convert your purchase into bite-sized instalments.
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Offline partner stores
Our Insta EMI Card is accepted across more than 1.5 lakh partner stores in more than 3,000 cities. Walk into any of our partner stores, choose your product, and avail of the best EMI schemes.
Frequently asked questions
Your Insta EMI Card could be blocked in line with the credit policies of Bajaj Finance Limited. There are several factors that determine this, such as:
- If you do not maintain a good credit score.
- If you fail to repay your due EMIs or your EMI bounces.
- Your card can also be blocked if your payment record is inconsistent.
- If we observe any suspicious or fraudulent activities on your card, we will block it for security purposes.
As a quarterly practice, we review the pre-approved offers available for our customers and make changes if needed. This gets communicated to you on your registered mobile number through an SMS.
If we have blocked your card as per our credit policy, you cannot unblock it at your end. However, you can view the reason for this and the criteria to unblock it. To do so, please {click_here}
Check your Insta EMI Card status
The pre-approved loan offer amount on your Bajaj Finserv Insta EMI Card is subject to change. These changes are governed by Bajaj Finance Limited. There are several factors that determine the card loan offer amount reduction. Some of these include:
- Credit score: If you have a low credit score, the pre-approved loan offer amount can be reduced.
- Repayment history: Your repayment history also affects the loan offer amount of your card.
- Loan frequency: The frequency of loans availed by you using the Bajaj Finserv Insta EMI Card also affects your card loan offer amount.
We review the pre-approved card loan offer amount available to our customers periodically and make changes (either increase or decrease) if needed. These changes are communicated to you on your registered mobile number through an SMS.
You can easily check the status of your Bajaj Finserv Insta EMI Card on the Bajaj Finserv app and website. To view the status of your Insta EMI Card follow the below-mentioned steps:
- Go to Service section on the home page
- Click on view all under ‘Your Relations’
- Select the EMI Card for which you wish to view the details
- You will be able to view your card status
To enjoy uninterrupted Insta EMI Card benefits, ensure that your EMIs are paid on time and maintain a good credit score. Tip: Your credit score is based on overall credit and credit payment history across different loan types and credit institutions over a period of time.
You don’t have to pay any additional or annual fee to keep your Insta EMI Card active. Even if you have not used the card for a long time, your card will remain active until the end of the validity period (i.e. the 'Valid Till' date) mentioned on your card.
While we used to issue physical EMI Network Card till a few years ago, the new Insta EMI Card is a virtual-only card. It packs in all the features of the physical card without the need to carry it around. You only need your Insta EMI Card number, and the OTP sent to your registered mobile number to complete a purchase.
You can find your Insta EMI Card number on the Bajaj Finserv app or by signing-in into My Account
While the EMI Network Card is now a virtual-only card, you can still use your physical card to make transactions. You can use this card for shopping on Bajaj Mall, other e-commerce destinations, and at our partner stores. Visit our customer portal – My Account to check details of your existing card.
Check your card details
If you have an Insta EMI Card but didn’t make any purchase in the last one year, you’ll need to pay annual charges. However, if you’ve bought at least one product with your Insta EMI Card in the preceding year, you’ll find that this charge is waived off.
For example, if the EMI Network Card is issued in Feb 2019 (referred to as "Member Since" on the EMI Network Card) the date for payment of the annual fee will be March 2020.
