What is the Bajaj EMI Card App and How Does it Work

Step by Step Guide to Know How Bajaj EMI Card App Work.
What is the Bajaj EMI Card App and How Does it Work
3 min

Are you eyeing that sleek laptop or the latest smartphone but worried about the dent it'll make in your finances? Enter the Bajaj Finserv Insta EMI Card, your gateway to hassle-free shopping with convenient repayment options. Let's dive into the workings of this ingenious financial tool and see how it can transform your shopping experience.

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:

  1. Pre-approved credit limit: Upon approval, you're granted a pre-approved credit limit of up to Rs. 3 lakh. This predefined limit allows you to make purchases within your budget without exceeding your financial boundaries.
  2. 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.
  3. 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 installments.
  4. 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.
  5. No cost EMIs: Enjoy the freedom of No Cost EMIs, where you only pay the purchase price without any additional interest or charges. This transparent pricing model ensures that you know exactly what you're paying for, eliminating any surprises or hidden fees.
  6. 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.

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:

  1. Visit a partner store: Head to any Bajaj Finserv partner store that accepts Insta EMI Card transactions.
  2. Provide necessary documents: Carry your identification documents, including your PAN card, Aadhaar card, proof of address, and bank account details.
  3. Fill out the application form: Complete the application form provided by the store representative, ensuring accuracy and completeness.
  4. Verification and approval: Once your application is submitted, it undergoes a quick verification process. Upon approval, you 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!

 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 No 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


While care is taken to update the information, products, and services included in or available on our website and related platforms/ websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/ service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/ service document and applicable terms and conditions. In case any inconsistencies are observed, please click on reach us.

*Terms and conditions apply