What are the eligibility criteria to avail of an EMI Network Card?

The EMI Network Card eligibility criteria are as follows: You must be between 21 years and 65 years of age You must have a regular source of income

EMI Network: Apply Bajaj Finserv EMI Card for Exciting Offers

The Bajaj Finserv EMI Network is a hub of over 1.2 lakh partner stores across 3,000+ cities. Our huge network lets you purchase the latest smartphones, televisions, washing machines, air conditioners, air coolers, furniture, lifecare services, groceries, clothes, accessories, and much more on No Cost EMIs.

You can shop for your favourite products on the EMI Network using the EMI Network Card with a card limit of up to Rs. 3 lakh. You can choose from a variety of products and avail of free home delivery.

With the EMI Network, you can enjoy a hassle-free shopping experience and a zero down payment facility on select products.

You can use our mobile app to make your transactions smoother. Download Now

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If you wish to buy a product at a store near you with the Insta EMI Card, here are the steps to follow:

On the Bajaj Finserv Bajaj Mall

1 Go to the Bajaj Mall and log in with your registered mobile number
2 Choose your product and a repayment tenor
3 Add your delivery address
4 Provide the OTP sent to your phone to complete the purchase

You could also shop for the latest products on No Cost EMIs at our partner e-commerce websites like Amazon, Flipkart, Samsung and more.

The EMI Network gives you the choice of getting the product of your choice on No Cost EMIs at a store near you or by shopping online from the comfort of your home.

Overall, the process remains the same in both options – Select the product of your choice, choose a convenient repayment tenor and get the product on No Cost EMIs.

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If you wish to buy a product at a store near you, here are the steps to follow:

At our partner stores

1 Visit a Bajaj Finserv partner store near you
2 Select a suitable repayment tenor
3 Provide your EMI Network Card details or opt for in-store financing
4 Share the OTP sent to your registered phone number

The EMI Network gives you the choice of getting the product of your choice on No Cost EMIs at a store near you or by shopping online from the comfort of your home.

Overall, the process remains the same – Select the product of your choice, choose a convenient repayment tenor and get the product on No Cost EMIs.

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Card limit of up to Rs. 3 lakh

From televisions and smartphones to furniture and groceries, buy products on No Cost EMIs across 1.2 lakh+ partner stores
Repay easily

Repay the cost of your purchase at your convenience over a tenor of 1 to 2 to 24 months
Minimal documentation

All you need are your KYC documents, a signed ECS mandate, and a cancelled cheque
No Cost EMIs

The Bajaj Finserv EMI Network Card lets you buy everything you want on No Cost EMIs
Pre-approved offers

As an existing customer, you get exclusive pre-approved offers from time to time across all our partners
Minimal processing fees

Most of the products on the EMI Network have minimal or no processing fees. You pay the exact price of your product, divided into monthly EMIs
Minimal down payment

Buy the latest products on No Cost EMIs with minimal or no down payment

To be eligible, you must fulfil some basic criteria like:

Indian nationality
21 to 65 years of age
Have a regular source of income

You would also require the below mentioned documents:

Aadhaar card
Cancelled cheque
Signed ECS mandate

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Processing fees varies from products, schemes and dealers purchased on the EMI Network categories.

Type of fees	Amount (Rs.)/ Percentage (%) and Description
Processing fees	Up to Rs. 5,000 (inclusive of applicable taxes) collected upfront or added in the first EMI.
Upfront Interest	Up to Rs. 1017/- Collected upfront or in 1st EMI
Bounce charge	Rs. 500/- per bounce. “Bounce charges” shall mean charges for (i) dishonour of any payment instrument; or (ii) non-payment of instalment (s) on their respective due dates due to dishonour of payment mandate or non-registration of the payment mandate or any other reason.
Penal Charge	Delay in payment of instalment(s) shall attract Penal Charge up to Rs. 5 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount.
Mandate registration charge	Rs.118/- (inclusive of applicable taxes) if applicable.
Convenience fee	For Existing to Bajaj (ETB) - Rs. 236/- (Inclusive of applicable taxes). For New to Bajaj (NTB) – Rs. 300/- (Inclusive of applicable taxes).
Credit Suraksha fee	Rs. 59 (inclusive of applicable taxes) if applicable
Full prepayment (Foreclosure) charges	NIL
Part-prepayment	NIL
Direct Cash Collection Charge	Up to Rs. 499 (Inclusive of Applicable taxes) will be charged upfront for providing an option to make EMI payments in cash.

Note: Additional cess will be applicable on all charges in accordance with the state specific laws.

*The processing fee may vary at the time of purchase.
Fee amount subject to change.

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Frequently asked questions

The Bajaj Finserv EMI Network is the way to pay for your favourite electronics, appliances, TVs, laptops, smartphones, furniture, groceries, accessories, clothes and much more. You can divide the cost of your purchase into No Cost EMIs.

You can shop for 1.2 million+ products on the Bajaj Finserv EMI Network. The categories include electronics, large and small appliances, gadgets, clothes, accessories, eyewear, footwear, watches, international and domestic flight tickets, hotel stays, holiday packages, education and even groceries. Visit the store locator to find your nearest Bajaj Finserv partner store.

To get the card offline, visit any of the Bajaj Finserv partner stores, submit KYC documents with a cancelled cheque and a signed ECS mandate at the time of your first purchase.

Yes, there are 1,000+ offers available on various products on the Bajaj Finserv EMI Network. You can view these offers on our website, the Bajaj Finserv Wallet app or visit any of our 1.2 lakh+ partner stores and ask the in-store representative for these offers. The offers will also be communicated to you via our promotional e-mails or SMS from time to time.

To shop on the EMI Network, you will need to submit your government-issued photo ID proof and residence proof, one cancelled cheque, one passport size photograph and a signed ECS mandate.

The Bajaj Finserv EMI Network Card lets you shop for your favourite electronic items and appliances, gadgets, clothes, accessories, eyewear, footwear, watches, groceries, book flight tickets, holiday packages, pay for coaching classes and more.

A processing fee may be charged and depends on many factors such as the category of the product you wish to buy, the store you buy it from and the EMI schemes available on the product at the time. There are no hidden charges whatsoever.

You can use this card across any Bajaj Finserv partner outlet to shop for 1.2 million+ products in more than 4,000 cities in India.

You can apply for a Bajaj Finserv EMI Network Card by clicking here. You can also apply for a Bajaj Finserv EMI Network Card at the time of your first purchase at any of our partner stores by submitting some basic documents.

The EMI Network Card eligibility criteria are as follows: