Features and Benefits

The EMI Card is the way to pay for all your purchases. From clothes and accessories to footwear and handbags, you can buy a variety of products from different brands on no cost EMIs. The EMI Card is like a pre-loaded EMI Card, all you have to do is just swipe the Card at our partner stores and shop for your favourite brands. It's that easy.

Divide all you buy into No Cost EMIs

What you see is what we charge. There is no hidden cost at all. No cost EMIs is free from hidden charges like interest and processing fees. Suppose you buy a pair of jeans priced at Rs.7500, you pay only Rs. 2500 each in three months and nothing more.

Swipe your EMI Card to buy

  • Menswear
  • Women’s wear
  • Ethnic wear
  • Traditional wear
  • Western formals
  • Accessories
  • Handbags
  • Travel bags
  • Footwear
  • Eyewear and many more

Minimum purchase of Rs. 5,000

Buy for a minimum amount of Rs.5000 and divide into 3 no cost EMIs of Rs.1,667.

Instant approval

When you swipe your EMI Card, there is no waiting. Get instant approval basis your loan amount eligibility. Log into our customer portal or Experia app to know your eligibility.

To get Experia app SMS EMI to 56070

No down payment & processing fee

No down payment and processing fee when you swipe your EMI card to buy clothes & accessories.

No documentation

Experience a seamless process of availing the loan by just swiping your EMI card at the time of purchase without providing any additional documentation.

Online account access

You can get all information about your loan, such as payment schedule, interest certificate, etc., through our customer portal and Experia app.

View Offers 

Not an existing customer?

You’ll be surprised how easy it is to get a Durable, Digital and Lifestyle Loan with Bajaj Finserv, even if you’ve never used our services before. Just visit any of our 16000+ partner outlets across over 160 cities and 232 rural locations in the country and our in-store representative shall guide you through the entire process.

For existing customers

Follow these steps to use our toll free IVR:

  •  Dial 020 3957 5152 (call charges apply)
  •  Enter your 7-digit BFL Customer ID
  •  Select from various IVR options
  •  Access IVR in 10 languages: English, Hindi, Bengali, Marathi, Punjabi, Gujarati, Tamil, Telugu, Kannada and Malayalam
  •  Access to all loan details


for all your queries write to us at wecare@bajajfinserv.in

SMS Updates

SMS <<keyword below>> to +91 92275 64444
GETEMAIL for your current email address 
UPDEMAIL <New email> to update your email address 
GETADD for your current registered email address
CUSTID to know your customer ID
LAN to know your Loan Account Number
EMI LAN to know your loan/ EMI details
EXPERIA to know your Experia user ID and password 
PIN to know your 4 digit EMI card PIN
FEEDBACK to give your valuable feedback 
SAT Y give a positive feedback 
SAT N to give a negative feedback
(Your mobile number should be registered with us for this facility). Standard SMS Charges applicable

Visit our branch to:

  • Change mode of payment (Swapping)
  • Purchase/cancel insurance policy
  • Foreclose loan
  • Claim refund

To know the address of your nearest branch click here.

Follow these simple steps to log in to our Customer Portal (Experia)

  • Visit customer portal
  • Log in using your user ID and password
  • Access all loan details
  • Manage your loans
  • View special offers


View Offers