Diwali 2026 Sale Offers: Buy Now, Pay Later with the Insta EMI Card

The Diwali sale is the biggest shopping season of the year in India, with online platforms and partner stores cutting prices on phones, TVs, and home appliances. It is when most families plan big purchases and festive gifts. For you, it means bringing home a new gadget or appliance before Diwali at a much lower price.

The discounts are only part of what makes the Diwali sale special. Here is why many Indian families wait for Diwali special offers before making big purchases:

• Deepest discounts of the year: Flipkart advertises discounts of up to 90% on select categories during Big Billion Days, its biggest sale of the year.
• Combo deals: Some offers bundle 2 products together. In 2025, Reliance Digital gave a free 55-inch TV with the Lenovo IdeaPad 5 AI laptop.
• Shop online or in person: You can compare prices on Amazon and Flipkart, or see and test products at partner stores like Croma, Reliance Digital, and Vijay Sales.

→ Key takeaway: The deepest discounts, combo deals, and widest choice all come together only during the Diwali season. Waiting to save the full amount can mean paying more after the festival, and the Bajaj Finance Insta EMI Card lets you shop on Easy EMIs while the Diwali offers last.

Diwali sales start weeks before the festival and run into Diwali week. With Diwali falling later in 2026, here are the key dates to plan your shopping around:

• 7 October 2026 (reported), Amazon Prime early access: Prime members are expected to get a 24-hour head start on the Great Indian Festival, which helps them grab popular models first.
• 8 October 2026, Amazon Great Indian Festival begins: Flipkart Plus and Black members also get early access to Big Billion Days on this day, so they can compare both platforms side by side.
• 9 October 2026, Flipkart Big Billion Days opens for all: Samsung Galaxy and Intel Core Ultra are the title sponsors, so expect strong deals on Samsung phones and Intel-powered laptops.
• Mid to late October (expected), partner store sales: Croma and Reliance Digital usually run their festive sales in the weeks before Diwali, which is ideal if you want to see a product before buying.
• 6 November 2026, Dhanteras: Buying new items on Dhanteras is a popular tradition, so expect crowded partner stores and fast-selling stock.
• 8 November 2026, Diwali: Most sales run until around Diwali, and some continue for a few days after.

→ Pro tip: Make your shortlist before 8 October 2026. With Amazon and Flipkart opening a day apart, you can compare prices quickly and buy before popular models sell out.

Diwali deals cover almost every category, but some bring bigger savings than others. Here are the highlights from recent Diwali sales, which give a fair idea of what to expect in 2026:

• Earphones and headphones, flat 45% off: In Croma's 2025 festive offers, these made easy Diwali gifts for family and friends at close to half price.
• TVs and ACs, flat 35% off: A good time to upgrade to a bigger screen for festive movie nights or replace an old AC before next summer.
• Washing machines, flat 30% off: Useful when guests arrive and laundry piles up during the festive week.
• Refrigerators: Side-by-side models started at Rs. 44,990 at Reliance Digital in 2025, giving large families more space for sweets and festive meals.
• Laptops, flat 20% off: A good time for students and working professionals to upgrade, especially with Intel-powered laptops expected to get strong deals in 2026.

The sale price is only the starting point. A few smart choices can cut your bill further and keep saving you money long after Diwali. Here is how to get more from Diwali deals:

• Compare Amazon and Flipkart early: Amazon's sale opens on 8 October and Flipkart's on 9 October in 2026, so checking both before you buy can help you find a lower price on the same model.
• Trade in your old device: Exchange offers lower the price of a new one. In September 2026, Croma offered an exchange bonus of up to Rs. 12,000 on the iPhone 18 Pro.
• Buy more, save more: Some partner stores reward bigger baskets. In 2025, Reliance Digital gave 5% off on 1, 10% off on 2, and 15% off on 3 or more kitchen appliances.
• Shop before Dhanteras: Popular models often sell out before 6 November, so buying a few days earlier helps you get your first choice at the sale price.
• Choose a higher star rating: A 5 Star refrigerator or AC uses fewer units each year, so you keep saving on your power bill every month.

These tips help you pick the right product at the right price, but the best deals do not wait. With the Bajaj Finance Insta EMI Card, you can bring your new phone, TV, or appliance home this Diwali and pay for it in easy monthly amounts across 3 to 60 months.

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 your Diwali shopping and other purchases.
• 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 smartphone, TV, or home appliance easily and affordably.

Easy EMIs change what you can afford during the festive season. Here is how Insta EMI Card Diwali offers help you make better buying decisions:

• Bring it home before Diwali: You can buy during the sale and enjoy your new TV or appliance on 8 November 2026, instead of waiting until you save the full amount.
• Keep your festive budget free: Gifts, sweets, travel, and Bhai Dooj presents all add up. Monthly instalments keep your savings for these expenses.
• Gift something meaningful: Easy EMIs make it easier to gift a new smartphone to your parents or a laptop to your child this Diwali.
• Choose a better model: You can pick a 55-inch TV over a 43-inch one, or a 5 Star refrigerator over a 3 Star model.

→ Verdict: If you already plan to buy a phone, TV, or appliance this festive season, Diwali deals on the Insta EMI Card are the smarter choice. You lock in the festive price now and pay for it gradually.

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 for your Diwali shopping 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 Amazon and Flipkart during their Diwali sales. 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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