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Bajaj Finserv EMI Network Card

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The Bajaj Finserv EMI Network Card("EMI Network Card") is an existing member identification number allocated to customer which enables such customer to buy products/services by availing loan from Bajaj Finance Ltd. ("BFL") at select merchant outlets with whom BFL has a tie up ('BFL Network'), basis the KYC documents submitted coupled with the risk underwriting carried by BFL. The customer can avail loan upto 4 lakhs to shop online from Bajaj Finserv EMI Store on No Cost EMI. You can also walk into a partner store like Big Bazaar, Shoppers Stop or Max Fashion or shop from an e-commerce partner like Amazon or Flipkart and purchase your favourite items on No Cost EMI.

Now purchase big-ticket items without worrying about the costs involved, thanks to Bajaj Finserv EMI Network Card. Enjoy a seamless shopping experience with the Bajaj Finserv EMI Store where you can buy smartphones and electronic appliances like LED TV, washing machine, air conditioners and much more. The online store offers unique benefits like same day delivery, zero down payment and No Cost EMI.

You can also walk into any of our 1 lakh+ partner stores, such as Croma, Vijay Sales, or Big Bazaar, or visit an e-commerce partner like Amazon or Flipkart, and purchase your favourite product on No Cost EMIs. You can then repay the loan amount in convenient monthly instalments.

Alternatively, you can apply for the Bajaj Finserv Insta EMI Card online in just three simple steps. You won’t have to concern yourself with any documentation hassles and get the digital EMI card activated instantly. You can avail loans of up to Rs. 2 lakh and you can use the Insta EMI Card to shop online or offline.

 

Bajaj Finserv EMI Network Card - Feature and Benefits

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

Apart from letting you convert your purchases into easy EMIs, the Bajaj Finserv EMI Network Card also boasts of a myriad other features and benefits. Below are some of the major features and benefits of using the Bajaj Finserv EMI Network Card.

  • Easy Online Shopping

    Use the EMI Network Card to shop for smartphones, LED TV, washing machine, air conditioner and much more on Bajaj Finserv EMI Store. Shop from the comfort of your home at No Cost EMI. Avail benefits like same-day delivery, zero down payment, doorstep demo, and much more. You can also shop from top e-commerce platforms such as Amazon, Flipkart, etc.

  • Pre-approved loans up to Rs. 2 lakh

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    The Bajaj Finserv Insta EMI Card comes with a pre-approved loan of up to Rs. 2 lakh that you can use across any of Bajaj Finserv’s 1 lakh+ partner stores in more than 1,900 cities.

  • Online application with Bajaj Finserv Insta EMI Card

    You can get Insta EMI Card in just 3 easy steps with a 100% digital process and your card gets activated instantly.

  • Flexible tenors

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

  • Minimal documentation

    You do not have to submit any documents to get your digital Insta EMI Card. If you’re availing the card offline, you have to submit some minimal 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

    You don’t have to worry about carrying your card everywhere, get easy access to it with your Bajaj Finserv Wallet app.

  • Nil foreclosure charges

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

  • Note: The Bajaj Finserv EMI Card is now called Bajaj Finserv EMI Network Card.

Buy online with the Bajaj Finserv EMI Network Card

  • 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.

Shop at Bajaj Finserv partner store with the EMI Network Card

  • Step 1: Visit Bajaj Finserv store locator on the website.
  • Step 2: Select the city, product category and product name.
  • Step 3: Find the nearest that you can buy from.
  • Step 4: Visit and store and shop with the EMI Network Card.

Bajaj Finserv EMI Network Card Eligibility

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Whether you want to apply for the Bajaj Finserv EMI Network Card offline, or for the Bajaj Finserv Insta EMI Card online, the application process is simple and convenient. You can start with the application process provided you meet the eligibility criteria, which are highlighted below:

  • 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 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 the below 3 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

Bajaj Finserv EMI Network Card: FAQs

What is the Bajaj Finserv EMI Network Card?

The Bajaj Finserv EMI Network Card is a payment system service that offers you a loan up to Rs.2 lakh . You can use the Bajaj Finserv EMI Network Card to shop for your favourite products such as electronics, appliances, groceries, clothes, and 1 million+ other products.

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 of Bajaj Finserv EMI Network Card?

You can pay only the cost of your product over a convenient tenor as your EMI amount and nothing more. When it comes to the interest rate on your purchase on EMI, you may or may not have to pay a nominal interest. This may depend on the product you purchase on the EMI Network.

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 I can buy using Bajaj Finserv EMI Network Card?

Using the Bajaj Finserv EMI Network Card you can purchase home appliances such as washing machine, AC, refrigerator, water purifier, air cooler, etc, and convert the price of your purchase into easy EMIs.

What are the electronic appliances that I can buy using Bajaj Finserv EMI Network Card?

You can use the Bajaj Finserv EMI Network Card to purchase electronic appliances such as mobile phones, laptops, TVs, etc. on easy EMIs.

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