Easy EMI card - Shop Everything on Easy EMIs with Bajaj Easy EMI Card

Shop effortlessly with the Insta EMI Card at leading stores like Amazon, Flipkart, Vijay Sales, and Croma. Enjoy instant approval, flexible repayment tenure, and a completely paperless process.
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Easy EMI card - Shop Everything on Easy EMIs with Bajaj Easy EMI Card
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3 min
01 October 2025

Experience a hassle-free way to shop with the Insta EMI Card from Bajaj Finserv. Without the need for a credit card or high credit score, you can enjoy Easy EMIs across 1.5 lakh+ partner stores—both online and offline.

From smartphones and appliances to furniture and travel bookings, the Insta EMI Card makes it simple to convert big purchases into easy monthly payments. Get instant approval with minimal documentation and enjoy complete control over your spending. Apply now Bajaj Finserv Insta EMI Card and unlock smarter, more flexible shopping—anytime, anywhere.

What is Insta EMI Card?

The Insta EMI Card from Bajaj Finserv is a convenient digital card that lets you purchase a wide range of products and services and split the cost into simple monthly instalments. Instead of paying the entire amount upfront, you can spread your payments over time without worrying about extra charges. The card has a pre-qualified card loan offer amount, making shopping more flexible and affordable for you. Want to know the limit for which you qualify? Check your Insta EMI Card offers now using your mobile phone and OTP.

How to say goodbye to upfront payments by using Bajaj Finserv Insta EMI Card

Imagine a scenario where you urgently need a new refrigerator or a washing machine, but the idea of paying the entire amount at once seems overwhelming. Such situations can often lead to a compromise, settling for substandard alternatives or delaying the purchase indefinitely. The financial burden associated with upfront payments becomes a roadblock.

Rajeev, a young professional from Mumbai, longed for a laptop and a smartphone to streamline his work and personal life. However, limited savings and a lack of credit options held him back. Fortunately, Rajeev discovered the Bajaj Finserv Insta EMI Card – an ‘easy EMI card’ that was the ideal solution for his needs. With this digital card, Rajeev could make his desired purchases without the burden of immediate payment. It provided him with the flexibility to pay in easy EMIs, aligning with his financial capabilities, and empowering him to enhance his productivity and efficiency.

Rajeev is just one among millions of customers across the country that have benefitted from using the Insta EMI card and availing of easy EMI options.

Insta EMI Card
Insta EMI Card

Benefits of using the Insta EMI Card for shopping

The Bajaj Finserv Insta EMI Card offers numerous advantages, making it an ideal choice for hassle-free purchases. The benefits of this easy EMI card include:

  • Easy EMI options: Enjoy the flexibility of paying for purchases in convenient EMIs without straining your budget.
  • Easy EMI: You can purchase products on and avoid paying high interest on the loan amount.
  • Quick and simple application: Applying for the Bajaj Finserv Insta EMI Card is straightforward, allowing you to unlock the convenience of easy EMIs in no time.
  • Extensive partner network: The digital card is accepted at various partner stores across multiple categories. Using the digital card, you can shop for home appliances, personal appliances and gadgets, fashion accessories, travel, fitness, healthcare, and more. You can shop for 1 million+ products at 1.5 lakh+ partner stores across 4,000+ Indian cities.
  • Special low-EMI schemes: With the Insta EMI Card, you can also avail of special EMI schemes with longer repayment periods and low EMIs.
  • Zero down payment: Select products – and items come with zero down payment offers, and you will not have to make any upfront payments while buying these items.

How easy EMI cards work

Here’s how the easy EMI card from Bajaj Finserv works in practice:

  • Apply for the card and get a pre-qualified card loan offer amount assigned.

  • Use the card at Bajaj Finserv partner stores or websites.

  • Select your product and opt for the EMI option at checkout.

  • Choose a repayment tenure that suits your monthly budget.

  • Complete the purchase and enjoy the product immediately.

  • Repay in fixed, interest-free EMIs over the chosen tenure.

Ready to adopt this easy shopping companion? Check your eligibility for the Insta EMI Card today using your mobile phone number and OTP.

Where can I use the Insta EMI Card?

You can use the Bajaj Finserv Insta EMI Card at over 1.5 lakh partner stores across India. It’s accepted at top online and offline stores like Amazon, Flipkart, Croma, Home Centre, Poorvika Mobiles, Sangeetha Mobiles, MakeMyTrip, and Easemytrip, making shopping easy and affordable with simple EMIs.

Amazon

Sangeetha Mobiles

Flipkart

MakeMyTrip

Home Centre

Easemytrip

Poorvika Mobiles

Goibibo

Godrej

Unacademy

OnePlus

Great Eastern Electronics

Flo Mattress

Khosla Electronics

Vasanth and Co Online Shopping

Electronic Paradise

BBCC IT Solution

Adishwar Electronics

Agarwal Computer

Arcee Electronics

QRS Retail

Zapnet Computers


It is important to note that the list of partner stores may change, so it's recommended to verify the updated information on the official website before making your next purchase.

How to view your virtual Bajaj Finserv Insta EMI Card

Your virtual easy EMI card is available online and can be accessed anytime through the Bajaj Finserv app or customer portal. Once logged in, you can check the card details, including your loan limit, validity, and transaction history. This virtual version can be used for both online and in-store purchases, making it as functional as the physical card, while offering the convenience of quick access from your smartphone or computer.

How to Shop with Bajaj Finserv Insta EMI Card

Shopping with your easy EMI card is simple and straightforward. You can use it at over 1.5 lakh partner stores and leading online platforms across India. Just choose your preferred product, select the EMI option at checkout, and pay in easy instalments without any hidden charges. From electronics and appliances to travel and lifestyle products, the card makes big-ticket purchases affordable by spreading the cost into convenient, Easy EMIs.

How to activate existing Bajaj Finserv Insta EMI Card

If you already have an easy EMI card, activation can be done quickly online. Log into the Bajaj Finserv app or web portal and follow the instructions under the ‘Activate Card’ section. You may need to authenticate using your registered mobile number or complete an e-mandate setup for repayments. Once activated, you can start using your card instantly for purchases, both online and offline, with complete control over repayment schedules.

Eligibility and documents required for Bajaj Finserv Insta EMI Card

Before you apply for the easy shop Insta EMI Card and avail of easy EMI, it is advised that you check and confirm your eligibility.

  • Age: You must be between 21 years and 65 years, years old to apply for this easy EMI card.
  • Income source: You must have a steady income source to obtain the digital card.
  • Credit score: You must have a good credit score, with no previous record of defaults.
  • Nationality: You must be an Indian citizen to apply for the Insta EMI Card.

Additionally, you must provide the following documents while applying for the digital card.

  • PAN card
  • Address proof (Voter ID, Aadhaar Card, etc.)

Check Insta EMI Card eligibility

Applicable fees and charges on Insta EMI card

Type of fee

Applicable charges

Insta EMI Card fee

Rs. 530/- (inclusive of applicable taxes)

*Additional fees and charges will apply when utilising the Insta EMI Card to avail of loans.

 

Check Insta EMI Card fees and charges

How to apply for the Bajaj Finserv Insta EMI Card?

You can avail of easy EMI without using a credit card by applying for the Bajaj Finserv Insta EMI Card. Here is how you can apply for the digital card.

  • Step 1: Enter your 10-digit mobile number and verify the OTP
  • Step 2: Enter your full name and click on ""Yes, Auto-Fetch Details""
  • Step 3: Verify your pre-filled personal details and click on ""PROCEED""
  • Step 4: Click on proceed and check your pre-qualified card loan offer amount
  • Step 5: Verify your KYC with Aadhaar or DigiLocker
  • Step 6: Select a promo code of your choice and pay a one-time joining fee of Rs. 530
  • Step 7: After successful payment, view your card details on the Bajaj Finserv app

Check how to apply for Insta EMI Card

In today's fast-paced world, owning essential items should be a convenient and accessible process. The Bajaj Finserv Insta EMI Card provides individuals like Rajeev with a solution that bridges the gap between their aspirations and financial capabilities. With the ability to purchase a wide range of products on easy EMIs, you can now enjoy the benefits of essential appliances without the burden of immediate payment.

The Bajaj Finserv Insta EMI Card empowers individuals to embrace a lifestyle of convenience and ease, enhancing their productivity, well-being, and overall quality of life. So, why wait? Do not let financial constraints hinder your aspirations. Apply for Insta EMI Card and avail yourself of the benefits of easy EMIs without needing a credit card. Check your eligibility to start, using just your mobile phone and OTP.

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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.
  • 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-qualified 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.

Do more with the Bajaj Finserv App!

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

GET THE APP

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.

Frequently asked question

What is the Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card – lets you buy products on easy EMIs. You can purchase items on Easy EMIs and repay the amount in monthly instalments.

Where can the Insta EMI Card be used?

You can use this Insta EMI Card in 1.5 lakh partner stores (online and offline).

Who is eligible for an Insta EMI Card?

Any Indian citizen who is between 21 years65 years old, has a steady income source, and possesses a credit score can apply for this easy shop EMI Card.

What is the interest rate of this Insta EMI Card?

You can shop for products on Easy EMIs using the Insta EMI Card. You will not have to pay interest on top of EMIs.

What are the benefits of Insta EMI Card?

The benefits of this Insta EMI Card include Easy EMI, flexible tenures, extensive partner network, special low-EMI schemes, and zero down payment offers on select products.

How can I apply for Insta EMI Card?

You can apply for this Bajaj Finserv Insta EMI Card by visiting the Bajaj Finserv website, filling out the application form, verifying your KYC details, and paying a one-time joining fee.

Where can I check my Insta EMI Card loan offer amount?

You can check your Insta EMI Card loan offer amount through various channels. Typically, you can access your account online through website or mobile app. You can log in to your account and check the available loan offer amount

Why should you get a Bajaj Finserv Insta EMI Card?

Getting a Bajaj Finserv Insta EMI Card offers numerous benefits. With this card, you can convert your purchases into easy EMIs, making expensive items affordable through monthly instalments. It provides access to pre-qualified loan offer amount of up to Rs. 3 lakh, which you can use for various purchases, including electronics, appliances, and more. The card often comes with attractive EMI offers and exclusive deals, making it a convenient and budget-friendly payment option.

Are easy EMI and No Cost EMI the same?

No, easy EMI and No Cost EMI are not the same. Easy EMI refers to the option of converting a purchase into equal monthly instalments to ease the payment burden. It may or may not involve interest charges, depending on the terms and conditions of the lender. On the other hand, No Cost EMI allows you to pay for the purchase in EMIs without any additional interest, ensuring you only repay the product's actual cost in instalments.

How to make payments towards Insta EMI card dues

You can pay your Insta EMI card dues easily online through the Bajaj Finserv app or customer portal. Payments are secure, trackable, and ensure your account remains in good standing.

What is the difference between an Insta EMI Card and a credit card?

An Insta EMI Card allows you to split purchases into easy EMIs using a pre-approved loan limit. Unlike credit cards, it does not provide revolving credit or charge heavy interest.

Can Insta EMI Cards be used for all types of purchases?

No, the Insta EMI Card can only be used for shopping at Bajaj Finserv partner outlets and online stores. It does not support cash withdrawals, fund transfers, or unrelated transactions.

Are Insta EMI Cards available for students or individuals with no credit history?

Insta EMI Cards require applicants to be at least 21 years old and have a regular income. They are usually not issued to students or individuals without financial or credit records. Want to check your eligibility? Just enter your mobile phone number and OTP for verification.

What happens if I miss an Insta EMI Card payment?

Missing an instalment may result in late charges and negatively affect your credit score. To avoid penalties and credit issues, it is advisable to pay your EMIs on time.

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