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EMI Network Card

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EMI Network

Start shopping with your EMI Network Card
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3 crore+

Members

1 million+

Products

1,900+

Cities

1 lakh+

Stores

Features and Benefits

Loans up to Rs. 4 lakh

From televisions and smartphones to furniture and groceries, buy products on easy EMIs across 1 lakh+ partner stores.

Repay easily

Divide your purchase into easy EMIs of 3, 6, 9, 12, 18 or 24 months, according to your ease.

Instant approval

Fill an online form and show the SMS of your pre-approved loan amount to buy your favourite product at the nearest partner store.

Minimal documentation

Forget heaps of paper work and never-ending forms. All you need are KYC documents and a cancelled cheque.

EMI Card Image

Easy EMIs

The Bajaj Finserv EMI Network Card helps you buy everything you need, all on easy EMIs with a simple use.

Pre-approved offers

Pre-approved offers

As an existing customer, you get exclusive pre-approved offers from time to time, across a host of our partner retailers and manufacturers.

Minimal processing fees

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

Pre-approved offers

Minimal down payment

Products brought on EMI Network have minimal or no down payment. With the Bajaj Finserv EMI Network, convert your purchase into EMIs.

How to shop

Bajaj Finserv EMI Network is a payment system, with instant financing options. It is the way to pay for your favourite electronics & home appliances like smartphone, television, washing machine, air conditioner, laptop, air cooler, furniture, lifecare service, groceries, clothes, accessories and more. No hidden charges, simply divide the cost of the purchase into easy instalments.

With an EMI Network Card:
Step 1: Walk into our partner store
Step 2: Use your EMI Network Card
Step 3: Walk out with your purchase

On the Bajaj Finserv EMI Store
Step 1: Visit the Bajaj Finserv EMI Store website
Step 2: Browse and choose the products you wish to buy.
Step 3: Use your EMI Network Card to pay

Without an EMI Network Card:
Step 1: Apply for instant approval by filling up a form online or visit our partner store for availing a loan
Step 2: Show the SMS of your pre-approved loan amount at our partner store
Step 3: Walk out with your purchase

How it works

1. You are between between 21 and 60 years of age

2. You have a regular source of income

1.

Enter your name and mobile number on the application form

2.

One cancelled cheque

3.

ECS mandate duly signed

4.

A copy of PAN card

5.

Address proof
(Above documents are applicable to those shopping without an EMI Network Card)

Type of Fees*
Minimum
Maximum
Processing Fees
NIL
Rs. 1017(Inclusive of taxes)
Penal interest
Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/EMI. Recently updated
Bounce Charges
Rs. 450 (inclusive of taxes)
Document/Statement Charges

Statement of Account/ Repayment
Schedule/Foreclosure Letter/No Dues
Certificate/Interest Certificate/List of documents
Download your e-statements/letters/certificates at no extra cost by logging into Customer Portal – Experia.
You can get a physical copy of your statements/letters/certificates/List of Documents from any of our branches at a charge of Rs. 50/- (Inclusive of taxes) per statement/letter/certificate.
CIBIL Transunion Report Fees
Rs. 36 - Rs. 46 (Inclusive of applicable taxes) Recently Updated.

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

Top Partners

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Frequently Asked Questions

What are the best Lava mobiles under Rs. 10,000?

Some of the best mobile phones under Rs. 10,000 are Lava Z93, Lava Z81, Lava Z92 2GB RAM, Lava Z91, Lava Z81 16 MB and more.

What is the EMI Network?

The Bajaj Finserv EMI Network is the way to pay for your favorite electronics, appliances, smartphones, laptops, TVs, furniture, groceries, clothes, accessories and much more. You can divide the cost of your purchase into easy monthly instalments (EMIs).

What products can I buy on the EMI Network?

You can shop for 1 million+ products on the 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, eye-wear, education and even groceries.
Visit the store locator section on our website to find out your nearest Bajaj Finserv partner store.

Are there any offers and discounts provided under the EMI Network?

Yes, there are 1000+ offers available on various products under the EMI Network. You can view these offers on our website, the Bajaj Finserv Wallet app or visit any of our 1 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.

How do I shop on the EMI Network?

Shopping on the EMI network is simple and you have an option to shop either by using an EMI Network Card or without an EMI Network Card.

With an EMI Network Card:
Step 1: Walk into our partner store
Step 2: Use your EMI Network Card
Step 3: Walk out with your purchase

Without an EMI Network Card:
Step 1: Apply for instant approval by filling up a form online or visit our partner store for availing a loan
Step 2: Show the SMS of your pre-approved loan amount at our partner store
Step 3: Walk out with your purchase

Do I need to submit any documents to shop on the EMI Network?

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

Will I be charged an interest on the loan availed by me?

Products on the EMI can be bought on easy EMIs without any extra cost. The manufacturers bear an annualized rate of interest which is based on risk gradation, cost of funds, margin, and risk premium. Hence, shopping On the EMI Network is better than using your credit or debit card.

Will I be charged a processing fee on the loan availed by me?

There will be a nominal processing fee for availing the loan and the fee will vary from product to product purchased on the EMI Network. There are no hidden charges whatsoever.

What is an EMI Network Card?

An EMI Network Card is a payment instrument with a pre-approved loan amount. By using the card at any partner store or at an online website, you can convert your purchases into easy EMIs. You can use it to shop for your favorite electronic items and appliances, gadgets, clothes, accessories, eyewear, footwear, watches, groceries, book flight tickets, holiday packages, pay for coaching classes and more.

Where can I use this EMI Network Card?

You can use this card across any Bajaj Finserv partner outlet to shop for 1 million+ products in more than 1,900+ cities in India. This card is now accepted in more than 1 lakh+ stores in India.

You can view our partner stores online or login to the Bajaj Finserv Wallet App

How to Apply for the Bajaj Finserv EMI Network Card?

If you are planning to purchase new gadgets and appliances on EMI and are worrying about how to apply for an EMI Network Card; then worry not, the process is very easy. You can apply for an EMI Network Card online using our customer portal- Experia, and offline by visiting any of our 1 lakh+ partner stores and seek in-store financing option.

What is the eligibility criteria to avail an EMI Network Card?

The EMI Network Card eligibility criteria is:
• You must be between 21 to 60 years of age
• You must have a regular source of income

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