How to Deactivate Your Bajaj Finance Insta EMI Card Online

Deactivating your Bajaj Finance Insta EMI Card means requesting that the card facility no longer remain available for future use, subject to the applicable process and account status. Deactivation of the card is different from closing or repaying any loan linked to purchases made through the card. If an EMI or other amount remains outstanding, deactivating the card does not cancel the repayment obligation. Before requesting deactivation, review your active loans, outstanding EMIs, and any overdue amount associated with your account. If you have received a legal notice relating to an overdue loan, review the notice and loan statement before taking action. Keep your payment records available if you believe an amount has already been paid. Any card deactivation request should be submitted through an authorised Bajaj Finance channel, and you should retain the request reference or confirmation for your records.

What should you check before deactivating your Insta EMI Card?

Before requesting deactivation, check your card and loan account information to understand whether any repayment obligation remains. This is particularly important if the card was used for purchases that are still being repaid through EMIs.

Check the following:

• Active EMIs: Review whether any purchase-related loan or EMI is still active.
• Outstanding dues: Check the current amount payable against any linked loan account.
• Overdue amount: Verify whether any EMI or applicable charge remains unpaid.
• Payment records: Compare your loan statement with bank statements and payment confirmations.
• Legal communication: If you have received a legal notice, review its details and stated requirements.
• Service requests: Keep records of any previous requests or communication relating to your card or loan account.

Deactivating the card should not be treated as a way to stop an existing EMI obligation. Any outstanding loan amount continues to be governed by the applicable loan terms.

You can check the available card-related service options through authorised Bajaj Finance digital platforms. The exact deactivation option and process may vary depending on your account and the platform version.

Steps through the Bajaj Finance App or My Account

1. Sign in using your registered mobile number and complete OTP verification.
2. Go to Service and select your Insta EMI Card under Your Relations, if displayed.
3. Open the available card management or service options.
4. Check whether a card deactivation or closure option is available for your account.
5. Follow the instructions displayed to submit the request, if available.
6. Complete any required verification or OTP authentication.
7. Save the service request reference or confirmation for your records.
8. Check the card status after the request has been processed.

If the deactivation option is not displayed, use the available authorised service request option to ask for assistance. Menu names may vary according to the platform and account.

What happens to your existing EMIs after card deactivation?

Deactivating your Insta EMI Card does not by itself close loans or cancel EMIs created through previous transactions. Any existing repayment obligation continues according to the applicable loan terms until the relevant loan account is fully repaid and closed.

If you have received a legal notice relating to an overdue EMI, card deactivation does not automatically resolve the amount or requirements stated in the notice. Review the communication and take the appropriate repayment or servicing action.

What should you do if you have received a legal notice?

If a legal notice has been issued in relation to an overdue loan, review it carefully with your latest loan statement and payment records. Check the loan account number, amount mentioned, payment history, and any action or response requirement stated in the communication.

If you believe the amount is incorrect, keep the following records ready:

• Loan account number: Helps identify the account referred to in the communication.
• Payment details: Keep the payment date, amount, and transaction reference or UTR.
• Bank records: Retain the bank statement or payment confirmation showing the transaction.
• Loan statement: Use the latest statement to compare the outstanding amount.
• Legal notice: Keep a copy of the communication received.
• Service records: Retain previous complaint or service request references.

If the dues are genuinely outstanding, address them through an authorised repayment channel. If a payment has not been reflected or an account entry appears incorrect, raise a service request with the supporting documents. Keep the request reference for future follow-up.