Earbuds on EMIs Without a Credit Card

Upgrade your audio experience with premium earbuds and pay in affordable Easy EMIs using the Insta EMI Card at partner stores.
Earbuds on EMIs Without a Credit Card
3 min
March 28, 2026

Overview of earbuds

Earbuds offer a compact and cable-free way to enjoy high-quality audio while you are on the move. These lightweight devices provide a snug fit and impressive sound isolation, making them perfect for commuting, working out, or attending virtual meetings. 

You can now upgrade your listening experience by using the Bajaj Finserv Insta EMI Card to purchase premium models at partner retail stores. This card provides an easy card loan offer that allows you to manage the cost through convenient Easy EMIs. Enjoy your favourite music today without any immediate financial pressure.
 

Key benefits of earbuds

Wireless earbuds provide unparalleled freedom and convenience for your daily audio requirements. They eliminate the hassle of tangled wires while delivering professional-grade sound quality and smart features for a modern lifestyle.

  • Superior portability and comfort: The compact design and lightweight build allow you to carry your music everywhere in a pocket-sized case that also charges your device.
  • Effective noise isolation: Advanced active noise cancellation technology blocks out environmental distractions, ensuring you focus entirely on your calls, podcasts, or music in loud areas.
  • Seamless hands-free connectivity: Integrated microphones and touch controls enable you to manage phone calls and voice assistants without ever reaching for your smartphone or tablet.
  • Stable and reliable fit: Multiple ear tip sizes and ergonomic designs ensure that the earbuds stay securely in your ears during intense physical activities or long commutes.
     

Price of the top selling earbuds in India available on EMIs

You can find a variety of premium earbuds in the Indian market that cater to different audio preferences and budgets. Each model offers unique enhancements such as spatial audio or extended battery life.

Model nameKey specificationsWhy should you get thisPrice
OnePlus Buds 4Bluetooth version v5.4, 55dB ANCChoose this for deep bass and fast charging support at a highly competitive price point.Rs. 5,999
JBL Live Beam 310 mm driver, 48 hours batteryThis model features a smart charging case with a touchscreen for quick and easy settings control.Rs. 9,998
Nothing Ear 3Hi-Res Audio, ChatGPT integrationSelect these for a unique transparent design and highly customisable sound profiles via a dedicated app.Rs. 10,999
Samsung Galaxy Buds 3 ProIP57 rating, 30 hours batteryThese earbuds provide excellent integration with the Galaxy ecosystem and advanced artificial intelligence features for calls.Rs. 14,999
Apple AirPods 4 (ANC)H2 chip, 30 hours batteryPick this model for industry-leading active noise cancellation in a comfortable open-ear design for daily use.Rs. 17,900
Bose QuietComfort UltraSpatial audio, IPX4 ratingThis is the best choice for world-class noise cancellation and a truly immersive, lifelike audio experience.Rs. 18,990
Sony WF-1000XM58.4 mm driver, LDAC supportAudiophiles should choose this for high-resolution sound quality and superior AI-based noise reduction during voice calls.Rs. 21,990
Apple AirPods Pro 3M-series chip, 36 hours batteryInvest in these for the ultimate Apple experience with improved adaptive audio and advanced health-tracking sensors.Rs. 25,900

Disclaimer: Product features, availability, and prices may differ based on location and time. For the latest and most accurate details, visit a partner store. 
 

What is a Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card is a versatile digital tool that offers a pre-approved card loan offer for your shopping needs. It allows you to buy the latest earbuds and other electronics by converting the total price into Easy EMIs. You can use this card across a massive network of over 1.5 lakh partner stores in India, including prominent electronics retailers. The application process is entirely digital and provides instant activation for eligible users. It empowers you to own premium technology immediately while paying through a flexible tenure that suits your monthly budget.

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 earbuds easily and affordably.
 

How to buy earbuds on EMIs

Owning the latest wireless earbuds is a simple and quick process when you use your digital card at a partner store. You can complete your purchase by following these straightforward and actionable steps.

  • Pick your product: Visit any authorised partner retail outlet and select the premium earbuds that offer the best sound quality and features for your lifestyle.
  • Confirm your identity: Present your Insta EMI Card details and your registered mobile number to the store representative at the billing counter to initiate the transaction.
  • Authorise the payment: Select a suitable repayment tenure and share the one-time password received on your phone to finalise your purchase and take home your new earbuds.
     

Benefits of using the Insta EMI Card

FeatureDetails
Easy EMIsSplit the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly.
High pre-qualified limitGet up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress.
Wide acceptance networkAccepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.
Flexible repayment tenureChoose a repayment period from 3 to 60 months based on your financial comfort.
Zero down payment offersAvail deals with no upfront payment requirement on select models.
No foreclosure chargesClose your loan early without any penalties or extra fees.
Credit score benefitTimely EMI payments may help strengthen your credit profile and financial health.

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

Eligibility criteria for the Insta EMI Card

  • Nationality: Indian Citizen.
  • Age: 21 years to 65 years.
  • Credit score: A healthy credit score per Bajaj Finserv policies.
  • Income: A steady, regular source of income.
  • Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.

 
Also read: Eligibility criteria for the Insta EMI Card
 

How to apply for an Insta EMI Card

  • Verify mobile number: Enter your 10-digit mobile number and verify the OTP sent to your phone to initiate the process.
  • Auto-fetch details: Provide your full name and select the option to auto-fetch your details for a faster application experience.
  • Confirm information: Verify your pre-filled personal details carefully and click on the continue button to move to the next stage.
  • Check offer: Review your pre-qualified card loan offer amount and select continue to proceed with the specified limit.
  • Set up wallet: Review your wallet setup details and verify the security OTP to integrate the card with your account.
  • Verify identity: Complete your identity verification process by confirming your current residential address as per the required official records.
  • Pay fee: Make the mandatory one-time joining fee payment of Rs. 530 through the secure digital payment gateway provided.
  • View card: Access and view your new digital card details instantly on the Bajaj Finserv application after the successful payment.
      

Also read: How to apply for the Insta EMI Card

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 Easy 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.

Frequently asked questions

Can I buy earbuds on EMIs with the Bajaj Finserv Insta EMI Card?

You can easily purchase premium earbuds using your Bajaj Finserv Insta EMI Card at any of the 1.5 lakh partner stores in India. The process allows you to convert the purchase amount into Easy EMIs. This makes high-end audio technology more accessible without requiring a large upfront payment from your savings.

What is ANC and ENC in earbuds?

Active Noise Cancellation (ANC) uses internal microphones to create sound waves that cancel out background noise for the listener. Environmental Noise Cancellation (ENC) focuses on the person you are calling by filtering out sounds around you. Both features ensure a clearer and more professional audio experience during music or calls.

Can I buy gaming earbuds on EMIs?

Many high-performance gaming earbuds are available for purchase through monthly instalments at partner electronics stores. You can use your Bajaj Finserv Insta EMI Card to secure low-latency audio gear for a better gaming experience. Simply choose the Easy EMIs option during the checkout process at any participating retail location in India.

What is the minimum amount required to buy earbuds on EMIs?

Most partner stores allow you to use the card loan offer for purchases starting from Rs. 5,000. However, specific minimum values can vary depending on the retailer and the current offers available. Check with the store executive to confirm the exact eligibility for your chosen model of earbuds.

Is it safe to buy earbuds on EMIs online?

Buying earbuds on instalments through official partner websites is completely secure and highly reliable. These platforms use encrypted gateways and one-time passwords to protect your financial information during the transaction. You can confidently use your Bajaj Finserv Insta EMI Card to upgrade your audio gear from the comfort of your home.

Which wireless earbuds are best for a noisy commute and clear phone calls?

The Sony WF-1000XM6 and Bose QuietComfort Ultra Earbuds (2nd Gen) are excellent choices for commuters in India. These models feature advanced noise cancellation that effectively silences engine sounds and street chatter. Their multi-microphone systems and artificial intelligence algorithms ensure your voice remains crystal clear during important office calls or personal conversations.

Show more Show less

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

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.
For customer support, call Personal Loan IVR: 7757 000 000

Frequently asked questions

Can I get AirPods on EMIs without a credit card?

The Bajaj Finserv Insta EMI Card is a perfect solution if you want to buy AirPods but do not own a credit card. You can use the pre-approved card loan offer to finance your purchase at authorised retail partners. This digital method provides a convenient way to pay in monthly instalments over time.

Which earbuds are best for the gym and running?

The Beats Powerbeats Pro 2 and Jabra Elite 8 Active Gen 2 are perfect for your fitness sessions. These earbuds offer a very secure fit with ear hooks or wings to prevent them from falling out during intense movement. Their high water-resistance ratings protect against sweat and rain while providing powerful audio.

Show more Show less