Shop easy with the Insta EMI Card

Shop limitless with our easy shopping EMI card. Buy now, pay later, and enjoy the convenience of interest-free payments.
Shop easy with the Insta EMI Card
3 min
29 May 2023

Buying high-value items by paying the entire amount upfront can be a little overwhelming. The thought of paying a hefty amount at once often can also stop us from buying products that we truly desire. If you have been in a similar situation, you must think of having an EMI Card. EMI cards usually help you buy the most expensive products and split the cost into easy EMIs.

One such card is Bajaj Finserv Insta EMI Card. With India’s first and best EMI card, you can now experience a hassle-free way of owning items without compromising your budget.

With this easy EMI card, you can shop for over 1 million products at more than 1.5 lakh partner stores (offline and online) across 4,000+ cities. The flexible repayment period of up to 60 months makes big-ticket purchases like laptops and refrigerators easy and convenient.

Overcoming the hardships of upfront payment

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 EMI card and availing of easy EMI options.

Features and benefits of using the Bajaj Finserv Insta EMI Card

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.
  • No Cost EMI: You can purchase products on No Cost EMI and avoid paying any interest on the loan amount.
  • Quick and simple application: Applying for the Bajaj Finserv easy shop 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 during festive seasons come with zero down payment offers, and you will not have to make any upfront payments while buying these items.

Where Can I Use the Easy EMI Card?

Wondering about the extensive reach of the Bajaj Finserv EMI Network Card? The answer is straightforward – you can utilize it at any partner store within the network.

Bajaj Finserv has established collaborations with prominent retailers across India, enhancing the convenience, affordability, and accessibility of shopping for its patrons.

The Insta EMI Card empowers you to make purchases at over 1.5 lakh online and offline partner stores. These include a diverse range of merchants, ensuring a seamless shopping experience. Bajaj Finserv's commitment to an extensive network ensures that you can enjoy the benefits of the EMI Network Card across a wide array of establishments for your shopping needs. Some of the prominent online and offline partner stores include:

  • Amazon
  • Flipkart Croma Store
  • Home Centre
  • Poorvika Mobiles
  • Sangeetha Mobiles
  • MakeMyTrip
  • Easemytrip
  • Goibibo
  • Unacdamey
  • Godrej
  • OnePlus
  • Flo Mattress
  • realme
  • Voltas

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.

Bajaj Finserv Insta EMI Card eligibility criteria and documentation requirement

Before you apply for the easy shop 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 old to apply for this easy EMI card.
  • Income source: The credit limit of your Insta EMI Card will be determined based on your monthly income. You must have a steady income source to obtain the digital card.
  • Credit score: You must have a credit score of 720 or higher, 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.)
  • Cancelled cheque
  • Signed ECS mandate

Check Insta EMI Card Eligibility

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: Visit the Bajaj Finserv Insta EMI Card page and click ‘Apply’.

Step 2: Provide your 10-digit mobile number and enter the one-time password (OTP) sent to the number.

Step 3: Fill out the application form and provide your basic details.

Step 4: Choose your employment type and gender.

Step 5: Click ‘Submit’ to know your card limit.

Step 6: Verify your KYC through Aadhaar Card or DigiLocker.

Step 7: After the successful KYC verification, pay the one-time joining fee of Rs. 599.

Step 8: Click ‘Activate Now’ and provide your bank account number and IFSC code to finish the e-mandate process.

Step 9: Upon successful e-mandate registration, you can start using your Bajaj Finserv Insta EMI Card.

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 EMI Card and avail yourself of the benefits of easy EMIs without needing a credit card.


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Frequently asked question

What is a Bajaj Finserv easy shop EMI card?

The Bajaj Finserv easy EMI card – known as the Bajaj Finserv Insta EMI Card – lets you buy products on easy EMIs. You can purchase items on No Cost EMIs and repay the amount in monthly instalments.

Where can the easy shop EMI card be used?

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

Who is eligible for an easy shop EMI card?

Any Indian citizen who is between 21 years and 65 years old, has a steady income source, and possesses a credit score of 720 or above can apply for this easy shop EMI Card.

What is the interest rate of this easy shop EMI card?

You can shop for products on No Cost EMI using the Insta EMI Card. You will not have to pay interest on top of EMIs.

What are the benefits of easy shop EMI card?

The benefits of this easy EMI card include No Cost EMI, flexible tenures, extensive partner network, special low-EMI schemes, and zero down payment offers on select products.

How can I apply for easy EMI card?

You can apply for this Bajaj Finserv easy 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 EMI Card limit?

You can check your EMI card limit 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 EMI limit.

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 a pre-approved limit of 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.

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