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Shop online on EMIs without credit card

Buy on EMI Without Credit Card

Shop for electronics, gadgets, apparel, home decor and much more on easy EMIs without a credit card by shopping on the EMI Network. Just use your EMI Network Card or the Insta EMI Card to convert the cost of your purchase into easy EMIs, when you shop across any of our 1 lakh+ partner stores.

  • Pre-approved limit

    The EMI Network Card comes loaded with a pre-approved limit of up to Rs.4 lakh, while the Insta EMI Card comes with a pre-approved loan of up to Rs. 2 lakh. You can use the EMI card at any of Bajaj Finserv’s 1 lakh+ partner stores present in more than 1,900 cities.

  • No credit card required

    You can shop for all your favourite product on EMI without a credit card when you shop on the Bajaj Finserv EMI Network.

  • No additional documentation

    You don’t need to submit additional documentation when shop on the Bajaj Finserv EMI Network, just use your EMI Network Card and convert your purchases into easy EMIs.

  • 100% digital application process

    Apply for an Insta EMI Card online in just 3 simple steps and get your card activated instantly.

  • Convenient online shopping

    Shop online on leading e-commerce platforms like Amazon, Flipkart, MakeMyTrip, Yatra, etc. with your EMI Network Card or Insta EMI Card. Pay for all your purchases on EMIs.

  • Easy access

    Access your EMI Network Card or Insta EMI Card anytime and anywhere on the Bajaj Finserv Wallet app.

  • Exciting offers

    Get more than 1,000 exciting EMI offers when you shop with your EMI Network Card on the Bajaj Finserv Wallet app.

  • Zero 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.

This festive season, apply for Insta EMI Card and shop for your favourite products on easy EMIs

Documents Required

Submit a basic list of documents and get your EMI Network Card easily:

  • PAN card

  • Address proof

  • Cancelled cheque

  • Signed ECS mandate

To get apply for an Insta EMI Card online, you don’t need to submit any documentation.

EMI Network Card Eligibility

The eligibility criteria for applying for an EMI Network Card are simple:

  • You should be between 21 to 60 years of age.

  • You must have a regular source of income

How To Apply

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


As an existing customer, you can apply for an EMI Network Card through the customer portal – Experia.


You can get an EMI Network Card offline when you purchase electronics, gadgets, and lifestyle products from our any of our partner stores :

1. Walk into any of our partner stores.
2. Select the product you want to purchase.
3. Submit some basic documents.
4. Get your EMI Network Card in your Bajaj Finserv Wallet app.

Fees and Charges

Joining Fee Rs.412 (Inclusive of applicable taxes)
Rs.449 (Inclusive of applicable taxes)
Rs.499 (Inclusive of applicable taxes
Instant Activation Fee Rs. 118/- Inclusive of applicable taxes
Add-on Card Fee Rs. 199/-Inclusive of applicable taxes
Convenience Fee - Recently updated Rs. 34/- to 293/- inclusive of applicable taxes
Loan Enhancement Fees - Newly Introduced 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
Outstation Collection Charges Rs. 65/- + applicable taxes per repayment instrument
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.

*Fee amount subject to change.