Frequently asked questions

What is the Bajaj Finserv EMI Network Card?

The Bajaj Finserv EMI Network Card is a digital card that allows you to convert the cost of your purchases into easy EMIs, at no additional charge. You can use your EMI Network Card to buy your favourite electronics, appliances, furniture, gym membership, flight, and hotel bookings.

You can access this card from the Bajaj Finserv Wallet app or apply for it by visiting any of our partner stores.

Where can I use my Bajaj Finserv EMI Network Card?

You can use the EMI Network Card to shop both online and offline on the Bajaj Finserv EMI Network. Shop for your favourite products across 1.5 lakh partner stores in 4,000+ cities. Some of the major Bajaj Finserv partner outlets are CromaVijay SalesReliance Digital, Sargam Electronics etc.

To find a store near you, click here.

You can also use the EMI Network Card to shop online on the Bajaj Mall and on our e-commerce partners like Amazon, Flipkart, MakeMyTrip, Yatra and many more.

What is the loan amount available on the Bajaj Finserv EMI Network Card?

You can get a loan of up to 3 lakh on the Bajaj Finserv EMI Network Card.

What will be the repayment tenor of my EMI loan?

You can choose a suitable repayment tenor ranging from 1 to 60 months at the time of your purchase.

How can I access the EMI Network Card on the Bajaj Finserv Wallet?

The EMI Network Card is a digital card which can only be accessed on the Bajaj Finserv Wallet app. To view the card:

  1. Tap on the EMI Network Card
  2. Enter your date of birth.
  3. Tap on the ‘See Card Now’ button

Download the app on your mobile from Play Store or App Store to get information such as your available loan limit, EMI offers, stores near you and the status of your loans. You can also give us a missed call at 9278066666 from your registered mobile number to get the app download link.

What are the benefits of the Bajaj Finserv Wallet app?

With the Bajaj Finserv Wallet app, you can view:

  1. Your Bajaj Finserv EMI Network Card details like card number, available limit, transaction details, etc.
  2.  Our partner stores near you
  3.  EMI offers available for you
Do I have to make any down payment when I transact using my card?

Certain categories such as gym memberships, travel bookings and others may involve a nominal down payment. However, most products or services do not require any down payment.

Is the EMI Network Card a credit card?

The EMI Network Card is not a credit card. Customers can purchase electronics, gadgets, home décor and various services across 1.5 lakh stores in 4,000+ cities on easy EMIs with a flexible repayment tenor ranging from 1 to 60 months.

Can someone else use the EMI Network Card on my behalf?

For safety and security reasons, we recommend only the EMI Network Card holder to use the card for making all purchases. The liability of the loan taken using the EMI Network Card rests solely with the card holder.

Can I apply for family card(s) on my EMI Network Card?

Yes, you can apply for up to two add-on cards with your existing EMI Network Card.

How can I foreclose the loan?

You can foreclose your loan after paying your first EMI. You can foreclose your loan in three ways:

What is the interest and processing fee charged for loans?

Usually there is no interest component. However, a nominal down payment or a processing fee of up to Rs. 1,017 may be applicable on certain products.

Do I get any dealer discounts and offers with this card?

Yes, there are many discounts and offers given by our partners from time to time. You can view these offers on the Bajaj Finserv Wallet app, our website or with our in-store representatives at the time of purchase.

Do I need to pay a charge to the retailer for any transaction I make on the EMI Network Card?

You may have to pay an additional transaction charge depending on the schemes running at the partner stores.

What if I lose my EMI Network Card and someone else uses it to make purchases?

In case you lose your EMI Network Card, block it immediately. There are 3 easy ways to block your card:

  1. Log in to your Bajaj Finserv Wallet app
  2. Log in to our customer portal-My Account
  3. Call our customer care at 086980 10101 (call charges applicable)

For security reasons, we recommend only the EMI Network Card holder to use the card for making all purchases. The liability of the loan taken using the EMI Network Card rests solely with the card holder.

How do I enquire more about the EMI Network Card?

You can contact us using our help and support portal or call us on 086980 10101 (call charges may be applicable).

What happens if I lose the smartphone linked to my Bajaj Finserv EMI Network Card?

In such cases, you can raise a request to block your EMI Network Card. There are two ways to do so:

  1. Log in to our customer portal, My Account
  2. Call our customer care at 086980 10101 (call charges applicable).
How do I get my EMI Network Card statement?

You can view your transaction details online on the customer portal – My Account. Simply log in using your username and password. For more information, you can visit our help and support portal or call us on 086980 10101 (call charges may be applicable).

How can I change the contact details registered with my EMI Network Card?

You can change your registered contact details such as home address, email ID, mobile and telephone number on our customer portal – My Account.

What should I do if my EMI Network Card displays an error at the time of use?

In case your EMI Network Card displays an error at the time of use, call our customer care on 086980 10101 (call charges may be applicable) to raise a request.

How can I block my EMI Network Card?

There are 3 easy ways to block your card:

  1. Log in to your Bajaj Finserv Wallet app
  2. Log in to our customer portal-My Account
  3. Call our customer care at 086980 10101 (call charges applicable)

For security reasons, we recommend only the EMI Network Card holder to use the card for making all purchases. The liability of the loan taken using the EMI Network Card rests solely with the card holder.

What is the validity of my EMI Network Card?

The validity of your EMI Network Card is mentioned on the card itself. There are three ways to check it:

  1. Log in to your Bajaj Finserv Wallet app
  2. Visit our customer portal – My Account
  3. Call our customer care at 086980 10101 (call charges applicable)
How can I re-issue my EMI Network Card?

There are three ways to re-issue your EMI Network Card:

  1. Log in to your Bajaj Finserv Wallet app
  2. Visit our customer portal – My Account
  3. Call our customer care at 086980 10101 (call charges applicable)
What is the Bajaj Mall?

The Bajaj Mall is an online shopping platform where you can buy the latest smartphones, electronics, and more on easy EMIs.

The Bajaj Mall offers benefits like free home delivery, zero or minimal down payment, flexible repayment tenors and more.

Shop on the Bajaj Mall here.

How do I apply for the Bajaj Finserv EMI Network Card?

You can apply for the EMI Network Card when you shop offline from our authorised dealer stores like Vijay Sales, Ezone, Croma, etc.

All you need to do is, submit your Aadhaar Card, a cancelled cheque and a duly signed ECS mandate to complete the process.

Click here to find the nearest store.

You need to submit your KYC documents, a cancelled cheque and a duly signed ECS mandate to apply for an EMI Network Card.

How can I apply for the Bajaj Finserv EMI Network Card?

Follow the steps mentioned below to apply for a Bajaj Finserv EMI Network Card:

  • Check your pre-approved offer
  • Verify your KYC details registered with us
  • Pay a joining fee of Rs. 530 to complete the process
Do I have to submit any documents while applying for the EMI Network Card?

You don’t have to submit any documents while applying for the EMI Network Card online.

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Features and benefits of our Insta EMI Card

Features and benefits of our Insta EMI Card 00:38

Features and benefits of our Insta EMI Card

Insta EMI Card is India's best interest-free card that lets you shop for 1mn+ products.

  • Accepted at 1.5 lakh+ stores

    Accepted at 1.5 lakh+ stores

    The card is accepted across 4,000 large and small cities. Wherever you are, walk into our partner stores and shop on EMIs.

  • Zero down payment

    Zero down payment

    During festive seasons, we run zero down payment schemes where you do not have to pay anything at the time of purchase.

  • Lower-EMI special schemes

    Lower-EMI special schemes

    You can opt for our special EMI schemes that offer a longer repayment tenure and reduce your monthly EMI.

  • Everything on EMIs

    Everything on EMIs

    Shop for daily groceries, electronics, fitness equipment, home appliances, furniture and more, and split the bills into No Cost EMIs.

  • Flexible repayment tenures

    Flexible repayment tenures

    Convert your purchases into monthly instalments and pay back over 1 to 60 months.

  • End-to-end digital process

    End-to-end digital process

    The entire application process is online. It takes less than 10 minutes to complete.

  • Still have not found what you are looking for? Click on any of the links at the top of this page.

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How to apply for the Insta EMI Card

Video Image 00:45
   

Step-by-step guide to applying for the Bajaj Finserv Insta EMI Card

  1. Enter your 10-digit mobile number and verify the OTP sent to your phone.
  2. Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
  3. Select your employment type and gender.
  4. Click on submit to know your card limit.
  5. Verify your KYC using your Aadhaar card or DigiLocker.
  6. Post successful KYC, pay a one-time joining fee of Rs. 599.
  7. Click on ‘Activate Now’ and enter your bank account number and IFSC code to complete the e-mandate process.
  8. After successful e-mandate registration, your card is ready to use.

Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.