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Shop online on EMI without credit card

Buy on EMI Without Credit Card

Shop for electronics, gadgets, fashion, home décor, and more on EMI without a credit card when you shop on the EMI Network. Just use your EMI Network Card and convert the cost of your purchase into easy EMIs and No Cost EMIs when you shop across any of Bajaj Finserv’s partner stores.

  • Pre-approved offers

    Pre-approved limit

    The EMI Network Card comes loaded with a pre-approved limit of up to Rs.4 lakh that you can avail at any of Bajaj Finserv’s 60,000+ partner stores present in more than 1,300 cities.

  • Card

    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 swipe your EMI Network Card and convert your purchases into easy EMIs.

  • Convenient online shopping

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

  • Easy access

    Access your EMI Network Card anytime and anywhere with the digital EMI Network Card on the Bajaj Finserv Wallet app.

  • Exciting offers

    Get more than 1,000 exciting EMI offers and special discounts when you access your EMI Network Card on the Bajaj Finserv Wallet app.

  • Zero foreclosure charges

    Get more than 1,000 exciting EMI offers and special discounts when you access your EMI Network Card on the Bajaj Finserv Wallet app.

Documents Required

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

  • PAN Card

  • Card

    Aadhaar Card

  • A cancelled cheque

  • Duly signed ECS mandate

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.

Online

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

Offline

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 for Bajaj Finserv EMI Network Card: Rs. 412
Annual fee of Rs. 117 (Rs.99+18% GST) will only be charged to the EMI network cardholders who have not availed any loan using the EMI Network Card in the preceding year. Preceding year will be 12 months calculated from last year’s validity month, which is printed on the face of your EMI Network Card. For example, if you were issued the EMI card on August 2014 (referred to as ‘Valid From’) and no transaction between August 2015 & August 2016; the payment of fee will be in August 2016.