Are you dreaming of owning the latest gadget, home appliance, or trendy fashion but worried about the upfront cost? The Bajaj Finserv Insta EMI Card offers a smart solution, allowing you to convert big-ticket purchases into easy EMIs. With this card, you can shop across 1.5 lakh+ partner stores, both online and offline, without the burden of a hefty down payment. Experience the freedom of buying what you want, when you want, while keeping your budget intact. Read on to explore how this powerful financial tool can make your shopping experience smooth and stress-free!
Understanding the Bajaj Finserv Insta EMI Card
The Bajaj Finserv Insta EMI Card is a revolutionary offering that empowers you to make purchases without worrying about immediate payment. It functions like a credit card but with added flexibility tailored to your needs. Here's a breakdown of how it works:
- Pre-qualified credit limit: Upon approval, you're granted a pre-qualified card loan amount of up to Rs. 3 lakh. This predefined limit allows you to make purchases within your budget without exceeding your financial boundaries.
- Wide acceptance: The Insta EMI Card is accepted at over 1.5 lakh partner stores across more than 4,000 cities, giving you unparalleled convenience and accessibility. Whether you're shopping online or visiting a physical store, the Insta EMI Card simplifies your payment process.
- Instant financing: Say goodbye to lengthy loan approvals and paperwork. With the Insta EMI Card, you can avail instant financing at the point of sale. This means you can make your purchase on the spot and spread the cost over manageable monthly instalments.
- Flexible repayment options: Choose a repayment tenure that suits your financial situation. Whether you prefer shorter repayment periods for quicker clearance or longer tenures for smaller EMIs, the choice is yours. Repayment periods range from 1 month to 60 months, ensuring flexibility and convenience.
- Easy EMIs: Enjoy the freedom of Easy EMIs, where you only pay the purchase price without any additional interest and processing fee for Bajaj EMI Card. This transparent pricing model ensures that you know exactly what you're paying for, eliminating any surprises or hidden fees.
- Zero Down Payment offers: During festive seasons or special promotions, take advantage of zero down payment offers to bring home your desired products without paying anything upfront. This feature makes high-value purchases more accessible and affordable, allowing you to indulge without hesitation.
How to Use the Bajaj Finserv EMI App?
Follow these steps to manage your loans and payments easily using the Bajaj Finserv EMI App:
Step 1: Download the App
- Download the Bajaj Finserv App from the App Store or Google Play Store.
- Open the app and register using your mobile number.
Step 2: Access Loan Accounts
- Log in to view your loan details and payment history.
Step 3: Make EMI Payments
- Choose a payment method:
- Bank transfer
- Debit/Credit card
- Mobile wallets
- Complete the payment securely through the app.
Step 4: Track and Manage Payments
- Check the status of your EMIs.
- Receive notifications for upcoming due dates.
- Download EMI statements for your records.
Step 5: Explore Additional Features
- View pre-qualified loan offers tailored to your needs.
- Raise queries directly through the app.
- Stay updated on ongoing promotions and deals.
By following these steps, you can efficiently manage your loans and payments using the Bajaj Finserv App.
Eligibility and Documents Required to Apply for Insta EMI Card
To apply for the Bajaj Finserv Insta EMI Card, you must be 21 to 65 years old and have a regular income source. Required documents include a PAN card, Aadhaar card, or any valid address proof like a utility bill or passport. A bank account with an active NACH mandate is also necessary for easy EMI payments.
Applying for the Bajaj Finserv Insta EMI Card
Obtaining your very own Insta EMI Card is a straightforward process designed for your convenience. Here's how you can apply:
Online
- Download the app or visit the website: Download the Bajaj Finserv App or visit the official Bajaj Finserv website and navigate to the Insta EMI Card section.
- Authenticate mobile number: Enter your mobile number and authenticate it with the OTP you receive.
- Know your credit limit: Fill in the application form to reveal your card loan limit, which – depending on eligibility – is up to Rs. 3 lakh.
- KYC verification: Use your Aadhaar Card details or DigiLocker to complete the KYC verification process and pay the one-time joining fee of Rs. 530/- (inclusive of applicable taxes).
- E-mandate registration: Register the e-mandate using your bank account details and IFSC code to activate your card for use.
Offline
- Visit a partner store: Head to any Bajaj Finserv partner store that accepts Insta EMI Card transactions.
- Provide necessary documents: Carry your identification documents, including your PAN card, Aadhaar card, proof of address, and bank account details.
- Fill out the application form: Complete the application form provided by the store representative, ensuring accuracy and completeness.
- Verification and approval: Once your application is submitted, it undergoes a quick verification process. Upon approval, pay the one-time joining fee to receive your Insta EMI Card instantly, enabling you to start shopping right away.
Experience the Convenience of the Bajaj Finserv Insta EMI Card
The Bajaj Finserv Insta EMI Card revolutionises the way you shop, offering unparalleled convenience, flexibility, and affordability. Whether you're upgrading your gadgets, furnishing your home, or indulging in luxury purchases, the Insta EMI Card makes it all possible without straining your finances. Apply for your Insta EMI Card today and unlock a world of endless possibilities!
