Buy Luxury Products on Easy EMIs Using the Insta EMI Card

Luxury products like a flagship phone, an OLED TV, or a Swiss watch often cost more than a month's salary. Buying them on EMI lets you enjoy premium quality now and pay in small monthly amounts. Your savings stay safe, and you do not have to wait months or years to own something you love.

Paying in instalments makes premium products easier to own. Here is why many buyers choose EMIs for their luxury purchases:

• Own premium products sooner: A phone like the iPhone 17 Pro launched at Rs. 1,34,900. EMIs let you use it now instead of saving for a year.
• Buy products that last longer: A Swiss watch like the Tissot PRX has sapphire crystal and 100 m water resistance, so it can serve you for many years.
• Keep your savings for other goals: Monthly instalments keep your emergency fund, travel plans, and investments untouched.
• No credit card needed: You can buy luxury products on EMI without a credit card, using a pre-qualified card loan.

→ Key takeaway: With the Bajaj Finance Insta EMI Card, you can bring home the luxury product you want now and repay across 3 to 60 months. You avoid a large one-time payment and keep your savings free.

You can buy premium products on the Insta EMI Card both online and at partner stores across India. Here is where you can shop, and what each option offers:

• Partner stores near you: The card works at over 1.5 lakh partner stores across more than 4,000 cities, so you can see and feel a premium product before you buy.
• Croma: Croma lets you pre-book new launches. In September 2026, iPhone 18 Pro pre-bookings opened at Croma stores for Rs. 5,000.
• Reliance Digital: Premium TVs often come with longer cover. In 2024, the LG OLED evo C4 sold at Reliance Digital with a 3-year warranty.
• Amazon and Flipkart: You can shop from home and pay on Easy EMIs at checkout, with a wide choice of premium phones, TVs, cameras, and watches.

→ Pro tip: For luxury purchases, buy from partner stores or official brand listings. This helps ensure you get a genuine product with a valid warranty.

A luxury purchase should last for years, so it pays to check a few things before you buy. Here is what to look at before you spend on a premium product:

• Buy from authorised sellers: Luxury products are often copied. Buying from a partner store or an official brand listing helps you get a genuine product.
• Check the warranty: Look for an official warranty card. For example, Tissot watches sold by authorised dealers in India come with a 2-year warranty.
• Stay within your card loan offer: Choose a product that fits within your card loan offer of up to Rs. 6 lakh, so you can buy it fully on Easy EMIs.
• Consider last year's flagship: Older flagships drop in price after a new launch. The Galaxy S24 Ultra, for example, sold at Rs. 72,999 in 2025.
• Check after-sales service: Premium products need expert repairs, so check for an authorised service centre in your city.

→ Verdict: A luxury product is worth it when it is genuine, covered by warranty, and fits your budget. With these checks done, Easy EMIs help you enjoy it without straining your finances.

You can pay the full amount upfront, or you can spread the cost with the Bajaj Finance Insta EMI Card. It lets you split your purchase into monthly instalments across 3 to 60 months, so even a premium product fits into your monthly budget.

The table below shows how the monthly amount changes with the tenure you choose, using the Rs. 1,34,900 iPhone 17 Pro as an example.

Disclaimer: These are indicative figures based on a simple division of the product price across the tenure shown, with no interest, processing fee, or other charges factored in. Your actual EMI amount will depend on the terms of your card loan offer.

The Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card. It is issued to existing Bajaj Finance customers with a good repayment record and to new applicants who pass KYC and eligibility checks. Here is what the card offers.

• A card loan offer of up to Rs. 6 lakh, usable on premium phones, TVs, cameras, watches, and more.
• A repayment tenure across 3 to 60 months, so you can pick a duration that fits your monthly budget.
• Access to over 1.5 lakh partner stores across more than 4,000 cities in India, both online and offline.
• A one-time joining fee of Rs. 530, with zero annual fee from the second year onwards.

Check your Insta EMI Card eligibility online using your mobile number and OTP. If eligible, you can apply instantly and start shopping for your preferred luxury product easily and affordably.

Applying for the Bajaj Finance Insta EMI Card takes only a few minutes online and does not need any physical paperwork. Follow these steps to apply.

1. Enter your 10-digit mobile number and click on 'CHECK OFFER' on the Insta EMI Card page.
2. Enter the OTP and submit.
3. Enter your full name and click on 'Yes, Auto-Fetch Details'.
4. Verify your pre-filled personal details and click on 'CONTINUE'.
5. Check your pre-qualified card loan offer amount and click on 'CONTINUE'.
6. Review your wallet setup details and verify the OTP.
7. Complete identity verification by confirming your current residential address.
8. Pay the one-time joining fee of Rs. 530 (inclusive of applicable taxes).
9. After successful payment, view your card details on the Bajaj Finance app.

Note: The process may differ based on whether you are a new or existing Bajaj Finance customer.

Also read: How to apply for the Insta EMI Card

You can use the Insta EMI Card to buy luxury products either at a partner store or through an online platform. Here is how both work.

At a partner store

Using the Bajaj Finance Insta EMI Card at any of over 1.5 lakh partner stores is quick and straightforward. Follow these steps:

1. Browse and select your product at a partner store such as Croma, Reliance Digital, or Vijay Sales.
2. At checkout, tell the partner store executive you want to pay using the Bajaj Finance Insta EMI Card.
3. Share your registered mobile number and card details with the executive.
4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
5. Authenticate the transaction using the OTP sent to your registered mobile number.
6. Your purchase is approved instantly. Take your product home.

For online purchases

You can also use the Bajaj Finance Insta EMI Card on partner e-commerce platforms, including Amazon and Flipkart, to buy luxury products. Here is how:

1. Add your product to your cart on Amazon or Flipkart.
2. At checkout, select the Bajaj Finance Easy EMI option.
3. Enter your Insta EMI Card details and registered mobile number.
4. Choose your preferred repayment tenure across 3 to 60 months.
5. Confirm using the OTP sent to your registered mobile number.
6. Your order is placed, and the EMI deduction begins from the next billing cycle.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, helping you plan your purchase better.

The Bajaj Finance Insta EMI Card offers several advantages beyond just splitting payments. From flexible tenures to wide acceptance, here are the key benefits that make this card a practical choice for everyday purchases.

Also read: Features and benefits of the Bajaj Finance Insta EMI Card

Before you apply, it helps to check whether you meet the basic eligibility requirements. The Bajaj Finance Insta EMI Card is open to most working Indians, and the criteria are simple to understand at a glance.

• Nationality: Indian Citizen.
• Age: 21 years to 70 years.
• Credit score:A healthy credit score per Bajaj Finance policies.
• Income: A steady, regular source of income.
• Documents: No physical documentation required when applying online. Only the following details are required: PAN and Aadhaar number.
• Form 60: In case of non-availability of PAN, Form 60 is required.

Also read: Eligibility criteria for the Insta EMI Card

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