Overview
Features
Eligibility
How to Apply
Fees and Charges
FAQ

Insta EMI Card

100% digital process | Approval in 30 seconds | 4-step process | No Annual Fee

4.7

Trusted by 4 crore+ customers

The Bajaj Finserv Insta EMI Card is an existing member identification card that allows you to shop for 1 million+ products on Easy EMIs. With the Insta EMI Card, you get a pre-qualified card loan offer amount of up to ₹3,00,000 that can be utilised across 1.5 lakh+ online and offline partner stores across 4,000+ cities. You can use the digital card to convert all your purchases into Easy EMIs and choose a flexible repayment tenure of up to 60 months.

Insta EMI Card

100% digital process | Approval in 30 seconds | 4-step process | No Annual Fee

4.7

Shop for 1 million+ products on Easy EMIs

Smart phones

Smart TV

Refrigerator

Air Conditioner

Mattress

Laptop

Washing Machine

Smart watch

Speaker

Fitness Equipment

Cycles

Shop across all leading brands

Amazon

Flipkart

Vijay Sales

Croma

Reliance Digital

MakeMyTrip

IRCTC

Home Town

Offers you can get

Why get the Insta EMI Card

Watch Video ‌

100% digital process

You can apply for the Insta EMI Card online on our app and website.

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No Annual Fee

No annual or renewal fee for the Insta EMI Card

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1 million+ products

Shop for 1mn+ products on No Cost EMIs at leading partner stores across India.

4,000+ locations

Shop at Insta EMI Card partner stores across 4,000 large and small cities.

Features and benefits

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

Get zero down payment on a wide range of products from over 1.5 lakh partner stores
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

Shop for daily groceries, electronics, fitness equipment, home appliances, furniture and more, and split the bills into Easy EMIs.
Flexible repayment tenures

Convert your purchases into monthly instalments and pay back over 3 to 60 months.
End-to-end digital process

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

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Eligibility criteria and documents required for Bajaj Finserv Insta EMI Card

Anyone can get an Insta EMI Card as long as you meet the basic criteria mentioned below. If you meet the criteria, you will need a set of documents to complete your application process.

Eligibility criteria

Nationality

Indian

Age

21 years to 65 years

Income

You must have a regular source of income

Credit score

As per Bajaj Finance risk policies
Documents required
- PAN Card
- Aadhaar Card number for KYC confirmation

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How to apply for the Insta EMI Card

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

Enter your 10-digit mobile number and click on “GET IT NOW” on the top of the page.
Enter the OTP and submit.
Enter your full name and click on “Yes, Auto-Fetch Details”
Verify your pre-filled personal details. Select your gender and employment type and click on “PROCEED”
Click on proceed and check your pre-qualified card loan offer amount
Click on Proceed to verify your KYC details.
Post successful KYC, check your card loan offer amount details.
Select and apply a promo code of your choice and pay a one-time joining fee of Rs. 530/- (inclusive of applicable taxes)
After successful payment, view your card details on the Bajaj Finserv app

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

The following charges are applicable on Insta EMI Card/ EMI Network Card

Type of fee	Applicable charges
EMI Network Card fee	Rs. 530/- (inclusive of applicable taxes)

*Additional fees and charges will apply when utilising the EMI Network Card to avail of loans.

Frequently asked questions

Will I be able to use my Bajaj Finserv Insta EMI Card at offline stores?

Yes. You can walk-in into any of our offline partner stores and get your product financed.

What is the Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card, also known as the EMI Network Card, lets you convert all your purchases into Easy EMIs. You can use it to shop for the latest products online and offline.

Where all can I use my Bajaj Finserv Insta EMI Card?

You will be able to use your Bajaj Finserv Insta EMI Card at offline dealer stores near you, as well as on leading e-commerce sites in our partner network.

How can I use the Bajaj Finserv Insta EMI Card?

You can use the Bajaj Finserv Insta EMI Card to shop for electronics, apparel, travel, groceries, home décor, and more. Using the Insta EMI Card is very easy. When you visit a partner store, select the product of your choice, choose your preferred repayment tenure, and provide your Insta EMI Card details at the billing counter; your purchase will be successfully converted into EMIs.

What merchant categories can the EMI Card be used for?

You can use the Insta EMI Card to shop for merchants like Croma, Vijay Sales, Reliance Digital, Home Town, and more. You can also use the Insta EMI Card to shop across our 1.5 lakh+ EMI Network partner stores.

How can I contact the Bajaj Finserv customer care?

You can contact us online via our customer portal ‘My Account’. You can also call us at +91 8698010101 for all your queries.

I am unable to transact with my Insta EMI Card. What could be the issue?

If you are unable to transact using the Insta EMI Card, your card might be blocked. You can check your card status on our customer portal My Account or the Bajaj Finserv app. To check your card status: Sign-in to My Account Check your card status and the reason why your card is blocked.

How to unblock your Insta EMI Card?

If you have blocked your card in the past and want to use it again, you can unblock it by visiting our customer portal.

Sign-in to ‘My Account’ with your registered mobile number and the OTP.
Enter your date of birth for verification and proceed.
Select the card you want to unblock from ‘My Relations’.
Click on the option ‘Unblock Card’ from the ‘Quick Actions’ section.
Verify with an OTP sent to your registered mobile and proceed.

Get more details on how to block/unblock your Insta EMI Card.

What is the eligibility age for the Bajaj Finserv Insta EMI Card?

You can apply for the Insta EMI Card if you are between 21 years and 65 years of age.

Click here to apply for the Insta EMI Card.

How can I apply for the Insta EMI Card?

Enter your 10-digit mobile number and click on "GET IT NOW" on the top of the page.
Enter the OTP and submit.
Enter your full name and click on "Yes, Auto-Fetch Details".
Verify your pre-filled personal details. Select your gender and employment type and click on "PROCEED".
Click on proceed and check your pre-qualified card loan offer amount.
Click on Proceed to verify your KYC details.
Post successful KYC, check your card loan offer amount details.
Select and apply a promo code of your choice and pay a one-time joining fee of Rs. 530/- (inclusive of applicable taxes)
After successful payment, view your card details on the Bajaj Finserv app.payment, view your card details on the Bajaj Finserv app.

What documents are required to get the Bajaj Finserv Insta EMI Card?

No physical documents are required to get the Bajaj Finserv Insta EMI Card. You just need the following details:

PAN Card details
Aadhaar Card number for KYC confirmation

When will I receive my Insta EMI Card?

The Insta EMI Card is a digital card, therefore, you will not receive a physical card. You can easily access your card details on the Bajaj Finserv app.

Where can I view my Insta EMI Card details?

You can view your card details on the Bajaj Finserv app.

What is the joining fee for the Insta EMI Card?

To get the Insta EMI Card, you only have to pay a one-time joining fee of Rs. 530/- (inclusive of applicable taxes).

Does the Insta EMI Card attract any annual charges?

No annual charges are levied on the Insta EMI Card. You only have to pay a one-time joining fee of Rs. 530/- (inclusive of applicable taxes) while purchasing the card.

How do I view my Insta EMI Card details on the Bajaj Finserv app?

If you are viewing your Insta EMI Card details for the first time, follow these simple steps:

Open the Bajaj Finserv app
Enter your mobile number
Enter the OTP sent to your mobile number and tap on ‘SUBMIT’
Enter your ‘Date of Birth’ (DOB) as per your PAN Card then tap on ‘SUBMIT’
Click on the “EMI Card” icon at the top of the page
Next, enter your DOB again and click on ‘Link to Proceed’
Click on ‘VIEW’ under the Card Detail section to see your card details

Why do I need the Bajaj Finserv app for my Insta EMI Card?

With the Bajaj Finserv app, you can:

Access your Insta EMI Card and all related details
Get exclusive offers

What merchant categories can the Insta EMI Card be used for?

You can use the Insta EMI Card to shop for merchants like Amazon, Flipkart, MakeMyTrip, Croma, Vijay Sales, Reliance Digital, HomeTown, and more. You can also use the Insta EMI Card to shop across our 1.5 lakh+ EMI Network partner stores.

What is the use of an Insta EMI Card?

Listed below are some of the uses of the Bajaj Finserv Insta EMI Card:

Shop on EMI Without a Credit Card

The Bajaj Finserv Insta EMI Card offers a pre-qualified loan offer amount.

allowing users to effortlessly convert the purchase cost of appliances, gadgets, and more into convenient and tailored instalments. Moreover, eligible products can be purchased via Easy EMIs, rendering the shopping experience more economical.
Shopping at Partner Stores
The card extends its utility to offline purchases at over 1.5 lakh partner stores situated across 4,000 cities. Whether it is mobiles, laptops, furniture, or other products, shoppers can avail themselves of the benefits of EMI payment options.
Easy Access via Portal
Gone are the days of carrying physical cards everywhere. Access to the Insta EMI Card is streamlined through the Bajaj Finserv wallet app or via management functionalities available on the online Bajaj Finserv customer portal.

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What do our customers say about us

32 million+ customers

4.9

Play Store Rating

4.3 million+ reviews

Ranita Das

Reviewed on 10 Aug 2024

I used the Bajaj Finance EMI Card to purchase a new refrigerator. The application process was straightforward, and I liked the flexible repayment options. Very happy with the service.

Varun Sharma

Reviewed on 10 Aug 2024

I have been using the Bajaj Finance EMI Card for over a year now. The instant approval and wide range of partner stores make it very useful. It helped me finance my family’s needs without any stress. Absolutely satisfied.

Prabhat Singh

Reviewed on 07 Aug 2024

Using the Bajaj Finance EMI Card for household appliances was a smart choice. The flexible repayment plans suited my financial needs. The process was simple and convenient. A great option for managing big purchases.

Aniket Divekar

Reviewed on 08 Aug 2024

The Bajaj Finance EMI Card offered me a seamless experience. I could buy my new phone without worrying about the full upfront payment. The interest-free EMI and easy online account management are fantastic features.