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Bajaj Finserv EMI Network Card

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The Bajaj Finserv EMI Network Card lets you convert all your purchases into easy EMIs. It comes with a pre-approved loan limit of up to Rs. 4 lakh. You can use it to shop online and offline to buy a wide range of products like home appliances, gadgets, electronics, furniture, clothes and even groceries.

You can also use the EMI Network Card on the EMI Store to shop online and get benefits like No Cost EMIs, zero down payment and free home delivery.

You can apply for the Bajaj Finserv Insta EMI Card online in just three simple steps. You don’t have to submit any documents and can access it instantly on the Bajaj Finserv Wallet app.

 

Bajaj Finserv EMI Network Card - Feature and Benefits

 
Apart from the benefit of converting all your purchases into easy EMIs, here’s a look at some of the other features and benefits of the Bajaj Finserv EMI Network Card:

  • Easy online shopping

    Use the EMI Network Card to shop for the latest electronics and more on the EMI Store. Shop from the comfort of your home on No Cost EMIs. Get additional benefits like home delivery, zero down payment, doorstep demo, etc. You can also shop from leading e-commerce websites like Amazon, Flipkart, MakeMyTrip, etc.

  • Shop for up to Rs. 4 lakh

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    Use your EMI Network Card to shop for 1 million+ products and services on easy EMIs. With an Insta EMI Card, you can shop for up to Rs. 2 lakh on easy EMIs.

  • Online application with Bajaj Finserv Insta EMI Card

    You can get an Insta EMI Card in 3 easy steps with a 100% digital process. That’s not all, your card gets activated instantly.

  • Flexible tenors

    Repaying for your product is easy with flexible tenors ranging from 3 – 24 months.

  • Minimal documentation

    Submit some basic documents on your first purchase at any of our partner stores to apply for an EMI Network Card. To get an Insta EMI Card, you don’t need to submit any documents.

  • Easy offline shopping

    Use the Insta EMI Card to shop for all your favourite gadgets and electronic appliances from our partner stores such as Vijay Sales, Croma, Reliance Digital, etc. You can also shop for furniture, gym equipment, professional courses, and much more on EMI from our lifestyle partners.

  • Easy access

    Access your EMI Network Card on your phone with the Bajaj Finserv Wallet app.

  • Nil foreclosure charges

    There will be no charges if you foreclose your loan after paying your first EMI.

Buy online with your EMI Network Card

  • Step 1 : Login to EMI Store with your registered mobile number

  • Step 2 : Choose your product and select a convenient repayment tenor

  • Step 3 : Add your delivery address

  • Step 4 : Complete your purchase by submitting an OTP


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Shop at a partner store with the EMI Network Card

  • Step 1 : Visit a Bajaj Finserv partner store near you

  • Step 2 : Select a convenient repayment tenor

  • Step 3 : Share your EMI Network Card details or opt for in-store financing

  • Step 4 : Complete your purchase by submitting an OTP sent to your registered mobile


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Bajaj Finserv EMI Network Card Eligibility

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The process to apply for a Bajaj Finserv EMI Network Card offline or an Insta EMI Card online is quick and simple. You can apply for it if you meet the following eligibility criteria:

  • You should be between 21 to 60 years of age to apply for EMI Network Card offline

  • You should be 23 to 65 years of age to apply for Insta EMI Card online

  • You must have a regular source of income

How to Apply for the Bajaj Finserv EMI Network Card

You can apply for a Bajaj Finserv EMI Network Card online as well as offline.

To get your Insta EMI Card online, all you have to do is follow these steps:

  1. Check your pre-approved offer
    Share a few basic details and check the pre-approved limit on your Insta EMI Card

  2. Verify your KYC
    Verify your KYC via OKYC or CKYC.
    • Offline KYC (OKYC) involves an online submission & verification of your Aadhar number
    • CKYC involves validation of your personal details pre-registered with CKYC

  3. Make the payment
    Pay a joining fee of Rs. 567.
    Your Insta EMI Card gets instantly activated on the Bajaj Finserv Wallet App

 

To get the Bajaj Finserv EMI Network Card offline, all you need to do is:

  1. Visit nearby EMI Network partner store
  2. Choose your favourite product to buy
  3. Get assistance from the store representative and opt for in-store financing
  4. Submit basic documents to set up your EMI Network Card

EMI Network Card Fees & Charges:

Joining Fee Rs.499/- to 567/- Inclusive of applicable taxes
Add-on Card Fee Rs. 199/-Inclusive of applicable taxes
Convenience Fee Rs. 34/- to 293/- inclusive of applicable taxes
Loan Enhancement Fees Up to Rs. 999/- + Applicable Taxes
Mandate Registration Charges Rs. 118/-Inclusive of applicable taxes
NACH/Cheque Bounce Charges Rs. 450/- Inclusive of applicable taxes
Mandate Rejection Charges Rs. 450/- inclusive of applicable taxes. Will be applicable if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Customer’s Bank for any reasons whatsoever.
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.
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
Annual Fee Rs. 117 (inclusive of applicable taxes)
Annual fee will only be charged to the EMI Network Card holders who have not availed any loan using the EMI Network Card in the preceding year. The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your EMI Network Card. For example, If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the EMI Network Card) the date for payment of the annual fee will be March, 2020.
 

Note: Additional cess will be applicable on all charges in the state of Kerala

Bajaj Finserv EMI Network Card: FAQs

What is the Bajaj Finserv EMI Network Card?

The Bajaj Finserv EMI Network Card lets you convert all your purchases into easy EMIs. You can use it to shop for the latest products of up to Rs. 4 lakh at your preferred store.

How can I get my Insta EMI Card?

A fully digital application process, allows pre-approved customers to get their Insta EMI Card in just 3 easy steps and activate their card on the Bajaj Finserv Wallet app in an instant.

How do I validate myself with C-KYC and O-KYC to activate my Insta EMI Card instantly?

1) CKYC validation is done by entering your PAN and mobile number or date of birth.

2) OKYC validation is done by entering your Aadhaar no and validating the same with captcha, OTP and share code.

What is the interest rate on the products bought on the Bajaj Finserv EMI Network?

You divide the just the cost of your product into easy EMIs. Certain products and services may have a nominal interest involved.

Can I withdraw money from my Bajaj Finserv EMI Network Card?

Unfortunately, you cannot withdraw money from an ATM and other platforms with your Bajaj Finserv EMI Network Card.

How can I increase my EMI Network Card’s limit?

The EMI Network Card loan limit depends on multiple factors such as your CIBIL Score, income level, and repayment capacity. Bajaj Finserv reviews their customers’ Bajaj Finserv Insta EMI Card loan limit every quarter, you can increase your card’s limit by maintaining a good repayment history.

What home appliances can I buy with the Bajaj Finserv EMI Network Card?

You can use the Bajaj FInserv EMI Network Card to purchase the latest home appliances such as smartphones, laptops, washing machines, ACs, refrigerators, water purifiers, air coolers, etc. on easy EMIs.

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