Elliptical Machines and Cross Trainers on EMIs: Making Fitness Affordable

Buy the best elliptical machine for a low-impact workout. Repay via the Bajaj Finance Insta EMI Card across 3 to 60 months.
Elliptical Machines and Cross Trainers on EMIs
5 min read
July 3, 2026

In summary

Want a full-body workout without straining your knees? An elliptical machine or cross trainer lets you build cardio fitness at home, and the Bajaj Finance Insta EMI Card lets you buy one today and pay for it gradually.

  • A pre-qualified card loan offer of up to Rs. 3 lakh for elliptical machines and other fitness equipment.
  • Repayment tenures across 3 to 60 months to match your monthly budget.
  • Accepted at over 1.5 lakh partner stores across 4,000 cities, including Croma, Reliance Digital, and Vijay Sales.
  • A one-time joining fee of Rs. 530, with zero annual fee from the second year onwards.

Check your Insta EMI Card eligibility using your mobile number and OTP, and start shopping for the best elliptical machine the same day.


What are elliptical machines and cross trainers?

An elliptical machine, often called a cross trainer, is a stationary fitness machine with two pedals that move in an oval path. It lets you mimic walking, running, or climbing stairs without putting hard impact on your knees or hips.

Most models come with movable handlebars, so your arms and legs work together for a full-body session. You can adjust the resistance and incline to make the workout easier or tougher, which suits both beginners and experienced users.

These machines have become common in Indian homes and gyms because they offer a joint-friendly way to burn calories and build stamina, without needing outdoor space or a treadmill's harder impact.


Difference between elliptical machines and cross trainers

In India, the terms elliptical machine and cross trainer are often used to mean the same thing. Still, a few models differ slightly in how they engage your body, as shown below.

ParameterElliptical machineCross trainer
Motion pathFixed elliptical foot pathElliptical path with adjustable incline on select models
Upper body engagementStatic or lightly moving handlesMoving handlebars for stronger arm engagement
Best suited forSteady cardio sessionsFull-body, intensity-varied workouts
Common settingHome and gym cardio cornersHome and gym full-body training zones

What are the benefits of using an elliptical machine or cross trainer?

Elliptical machines and cross trainers give you a joint-friendly way to stay fit at home, without the pounding impact of running. Here are the main benefits worth knowing before you buy one:

  • Low-impact on joints: The smooth, gliding motion reduces stress on your knees and hips, so it suits beginners and those recovering from injury.
  • Full-body workout: Moving handlebars engage your arms, shoulders, and core along with your legs, unlike machines that work only your lower body.
  • Effective calorie burning: Adjustable resistance and incline let you turn a steady session into a high-intensity workout, helping you burn more calories.
  • Improved cardiovascular health: Regular use strengthens your heart and lungs, building stamina over time.
  • Home convenience: You get a gym-style cardio workout at home, saving commute time and membership costs.

Price list of top selling elliptical machines and cross trainers

Prices vary based on flywheel weight, resistance levels, and maximum user weight capacity. Here is a general idea of what popular models cost in India today.

Product nameWhy should you choose thisPrice
Cockatoo CE03 Advance elliptical cross trainerSupports up to 120 kg, with an LCD touchscreen to track your workoutRs. 16,990
PowerMax Fitness EH-300 elliptical cross trainerA 6 kg flywheel with 14-level magnetic resistance for a smooth, quiet sessionRs. 24,990
PowerMax Fitness EH-350S elliptical cross trainerA 4-way adjustable cushioned seat, plus calorie and BMI trackingRs. 32,950
Propel FitnessOne CX 83i elliptical cross trainerA gym-quality 20 kg flywheel that supports up to 140 kg for serious daily useRs. 41,189
Compact under-desk elliptical trainerA space-saving option for seated pedalling at your desk or in front of the TVRs. 5,999
Entry-level elliptical cross trainerA budget-friendly pick for beginners easing into a home cardio routineRs. 13,990

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

 

What factors should you consider before buying an elliptical machine or cross trainer?

The right machine depends on your body weight, the space you have at home, and how intense your workouts will be. Keep these points in mind before you buy:

  • Maximum user weight capacity: Check that the machine supports your body weight comfortably, ideally with some margin for safety.
  • Flywheel weight: A heavier flywheel, typically 6 kg or more, gives a smoother, quieter stride.
  • Resistance levels: More resistance levels let you vary intensity as your fitness improves.
  • Display and tracking: Look for a display that shows time, speed, distance, and calories burned.
  • Space at home: Measure your available floor space, since some models fold or have transport wheels for easy storage.

Why shop for an elliptical machine or a cross trainer on EMIs?

Fitness equipment can be a significant one-time expense, especially for a quality elliptical machine or cross trainer. Here is why paying on EMIs makes more sense:

  • Budget-friendly payments: Spread the cost of your machine over manageable monthly instalments instead of one large payment.
  • Access to better equipment: EMIs make it easier to invest in a sturdier, higher-capacity machine built to last longer.
  • Financial flexibility: Choose a repayment tenure across 3 to 60 months that suits your monthly income.
  • Wide retail access: Shop at over 1.5 lakh partner stores across 4,000 cities without worrying about upfront cost.
  • No need to delay your fitness goals: Start your workout routine today and repay gradually, instead of waiting to save up.

What is the Bajaj Finance Insta EMI Card?

The Bajaj Finance Insta EMI Card is a pre-qualified card loan, not a credit card, that lets you shop for elliptical machines and other products on Easy EMIs. It offers a card loan offer of up to Rs. 3 lakh, activated digitally with no physical paperwork.

Existing Bajaj Finance customers with a good repayment record can access the card quickly, and new applicants can apply once they clear KYC and eligibility checks. The card carries a one-time joining fee of Rs. 530 and charges zero annual fee from the second year onwards.

You can use it at over 1.5 lakh partner stores across 4,000 cities, including Croma, Reliance Digital, and Vijay Sales, as well as online at Amazon, Flipkart, and Bajaj Mall.


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 elliptical machine or cross trainer easily and affordably.


Insta EMI Card vs EMIs with a credit card

Both options let you pay in instalments, but they work quite differently. Here is a quick comparison to help you decide:

FeatureInsta EMI CardCredit card EMI
Card typePre-qualified card loanRevolving credit line
Joining feeOne-time fee of Rs. 530Often bundled with annual charges
Annual feeZero from the second year onwardsUsually charged every year
Foreclosure chargesZero, so you can pay off early anytimeOften charged on early closure

  

How do I apply for the Bajaj Finance Insta EMI Card?

Applying for the card takes just a few minutes and needs no physical paperwork. Follow these steps:

  1. Enter your 10-digit mobile number and click on "GET IT NOW" on this 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 "CONTINUE."
  5. Check your pre-qualified card loan offer amount and click "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.

The process may differ slightly depending on whether you are a new or existing Bajaj Finance customer.


Also read: How to apply for the Insta EMI Card


How do I use the Insta EMI Card to buy an elliptical machine or a cross trainer?

At a partner store

Using the Insta EMI Card at a partner store takes under five minutes once your elliptical machine is picked out. Follow these steps:

  1. Browse and select the elliptical machine or cross trainer you want to buy.
  2. At checkout, ask the store executive to process payment via the Bajaj Finance Insta EMI Card.
  3. Share your registered mobile number and card details.
  4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
  5. Authenticate using the OTP sent to your registered mobile number.
  6. Purchase approved. Take your elliptical machine home the same day.

Online

You can also buy your elliptical machine or cross trainer online without visiting a store. Follow these steps:

  1. Add the elliptical machine or cross trainer to your cart on Amazon, Flipkart, or Bajaj Mall.
  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. Order placed. EMI deductions begin from the next billing cycle.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, so you can plan your purchase better.


Benefits of using the Insta EMI Card

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.

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.
Credit score benefitTimely EMI payments may help strengthen your credit profile and financial health.

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


What is the eligibility criteria for the 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 65 years.
  • Credit score: A healthy credit score per Bajaj Finance 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


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Frequently asked questions

About elliptical machines and cross trainers

Is there a difference between an elliptical machine and a cross trainer?

The two terms are mostly used interchangeably in India. Some cross trainer models add moving handlebars and adjustable incline for stronger arm engagement, while a basic elliptical machine focuses more on the leg motion. Either option gives you a joint-friendly, full-body cardio workout at home.


How much space do I need for an elliptical machine at home?

Most home elliptical machines need about 1.5 to 2 metres of floor space, depending on the model and stride length. Compact and under-desk models need much less room. Always check the product dimensions before you buy, and measure your available space at home.


About buying an elliptical machine or cross trainer on EMI

Can I buy an elliptical machine or a cross trainer with the Insta EMI Card?

Yes, you can buy elliptical machines and cross trainers at over 1.5 lakh partner stores using the Insta EMI Card. Check your Insta EMI Card eligibility with your mobile number and OTP, then repay across 3 to 60 months.


Can I buy an elliptical machine online using the Insta EMI Card?

Yes, the Insta EMI Card works on Amazon, Flipkart, and Bajaj Mall. Simply select the Bajaj Finance EMI option at checkout, enter your registered mobile number, choose your repayment tenure, and confirm the purchase with an OTP.


About the Insta EMI Card

What is the joining fee for the Insta EMI Card, and are there other charges?

The Insta EMI Card carries a one-time joining fee of Rs. 530. There is zero annual fee from the second year onwards, and zero foreclosure charges if you choose to repay your outstanding amount early.


How do I check my Insta EMI Card eligibility?

You can check your Insta EMI Card eligibility online in a few minutes. Enter your registered mobile number, verify the OTP, and view your pre-qualified card loan offer instantly, without any physical paperwork.

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.
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