Buy Electronics on EMI without Credit Card

Shop electronics on EMI without a credit card using Insta EMI Card. Zero down payment, quick approval, and easy monthly instalments on smartphones, laptops, and more. Apply now for flexible EMI plans!
Buy Electronics on EMI without Credit Card
3 min
25-Mar-2025
Technology pulses through the veins of modern Indian life, yet the steep prices of cutting-edge electronics often create a formidable barrier. Imagine a world where your dream gadget is not just a distant fantasy, but an attainable reality. The smartphone that captures memories, the laptop that powers your career, the television that brings entertainment home – all within financial reach.

In the rapidly evolving digital landscape of India, consumers face a persistent challenge: bridging the gap between technological aspiration and financial constraint. Many individuals find themselves trapped between desiring the latest electronics and managing tight household budgets. Traditional financing methods often involve complex credit card applications, stringent approval processes, and high-interest rates that discourage potential buyers.

This article will comprehensively explore how Indians can purchase electronics on EMI without a credit card with the Bajaj Finserv Insta EMI Card. It’s a revolutionary financial solution that transforms purchasing power and makes technological dreams accessible to all.

How to buy electronics on EMI without a credit card

The Bajaj Finserv Insta EMI Card offers a seamless pathway to purchasing electronics with ease. Here is a step-by-step guide to shopping using the Insta EMI Card:

  • Online shopping process:
  • Browse e-commerce platforms of your choice.
  • Pick the electronic device that meets your requirements and add it to your cart.
  • During checkout, choose Insta EMI Card as your payment method.
  • Select an EMI tenure that works for you.
  • Complete the transaction with an OTP.
  • Offline shopping experience:
  • Visit a Bajaj Finserv partner store near you.
  • Browse the electronic devices available and pick your choices.
  • Inform the sales representative at the checkout counter that you will be paying with your Insta EMI Card.
  • Complete the purchase by sharing card details and selecting a comfortable EMI tenure.
The entire process is designed to be incredibly user-friendly and time-saving. You too can buy now and pay later with your Insta EMI Card – check your eligibility now!

Benefits of buying electronics on EMI with Insta EMI Card

The Bajaj Finserv Insta EMI Card emerges as a comprehensive financial tool with multiple advantages:

  • Pre-qualified card loan offer amount of up to Rs. 3 lakh: This substantial limit empowers consumers to purchase multiple electronics or high-end devices in a single transaction. The pre-qualification process means instant access without exhaustive verification, providing immediate financial flexibility.
  • Easy, low-cost EMIS: Meticulously structured monthly instalments ensure affordability without compromising on product quality. The minimal interest charges are strategically designed to make expensive electronics accessible to a broader consumer base.
  • Zero foreclosure charges: Financial freedom is a clear priority with this unique feature. Consumers can close their loan earlier without incurring punitive charges, offering unprecedented flexibility in financial planning.
  • Flexible repayment options: The 1 - 60 months range allows unprecedented customisation of payment schedules. Individuals can precisely match instalments with their income patterns, reducing financial stress and enabling smarter purchasing decisions.
  • Widespread acceptance: Supported across 1.5 lakh partner stores and major e-commerce platforms, the Insta EMI Card provides comprehensive coverage for electronics shopping nationwide.
  • Zero down payment offers: During festive seasons, you can take home your desired electronics without any payment upfront.
Watch brands and models available on EMI

ModelPriceEMI starting from
Samsung Galaxy M35 5GRs. 14,199Rs. 1,578
Redmi A4 5GRs. 8,999Rs. 436
OnePlus 13RRs. 42,998Rs. 7,166
Samsung UA43DUE77AKLXL (43-inches)Rs. 31,490Rs. 2,624
Samsung Galaxy Tab S9 FERs. 29,999Rs. 2,500
Apple iPad 10th Generation MPQ13HN/ARs. 33,199Rs. 5,533
Sony HT-S20RRs. 15,990Rs. 1,333
Sony New Alpha ILCE-6100XRs. 73,990Rs. 6,166
Apple Pencil ProRs. 11,499Rs. 1,917
Samsung Galaxy Buds 3 ProRs. 18,998Rs. 1,583


Documents required for Insta EMI Card

The basic documentation requirements ensure a smooth and hassle-free application process:

  • PAN card
  • Aadhaar card for KYC confirmation
Eligibility criteria for Insta EMI Card

The minimal eligibility criteria makes the Insta EMI Card an accessible financial tool:

  • Indian national citizenship
  • Age range strictly between 21 and 65 years
  • Regular income source
  • Good credit score per Bajaj Finserv risk policies
How to apply for the Insta EMI Card

Online process

  • Enter registered mobile number on the Insta EMI Card page.
  • Complete secure OTP authentication.
  • Fill comprehensive application form.
  • Upload digitally scanned documents.
  • Pay the one-time joining fee of Rs. 530.
  • Receive instant pre-approval notification.
Offline process

  • Locate nearest Bajaj Finserv partner store.
  • Carry complete set of necessary documents.
  • Engage with customer representative.
  • Complete manual application form.
  • Undergo immediate document verification.
  • Pay joining fee.
  • Obtain instant card approval.
Conclusion

The Bajaj Finserv Insta EMI Card represents more than a financial product – it is a gateway to technological empowerment. By dismantling traditional financial barriers, this innovative solution enables every Indian to transform technological aspirations into tangible realities. So, why wait? Unlock a world of possibilities – check your pre-approved offer today!

Frequently asked questions

How to purchase electronics on EMI?
Select Bajaj Finserv Insta EMI Card, choose desired product, pick comfortable tenure, and complete purchase seamlessly. Check your pre-approved offer instantly.

How does EMI work when purchasing electronics?
Total cost is divided into predictable monthly instalments, spreading financial burden and making expensive purchases manageable.

How is EMI calculated for electronics?
EMI computation involves product price, selected tenure, applicable interest rate, and individual creditworthiness. Lower tenure results in higher monthly payments.

Does Croma offer EMI?
Absolutely! Croma accepts Bajaj Finserv Insta EMI Card, offering customers flexible purchasing options. Check your pre-approved offer today.

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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!

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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.