The primary purpose of an EMI Card was to address the huge user base of people with a steady source of income finding it difficult to pay off a lump sum amount at a time. While it did address the affordability issue, we also excluded the intervention of a middle man while taking a loan. Now simply Swipe, Sign and Buy any Durable or Lifestyle product of your choice within seconds with your EMI (Existing Member Identification) Card.

If you are an existing customer of Bajaj Finserv, you can opt for our EMI Card.

EMI Card: Features and Benefits

Shopping on EMI is a great way to save yourselves from burning a hole in your pocket. Read on to know more about the benefits of the EMI Card:

Pre-approved eligibility

The EMI Card you carry in your wallet is a pre-approved loan.  

Instant approval

The moment you choose your EMI plan and swipe your card, you get instant approval subjected to the amount pre-approved to you.

Minimal documentation

Your EMI Card carries all the necessary documents that you need to provide.

Preapproved offers

As an existing customer, you get exclusive preapproved offers from time to time across a host of our partner retailers and manufacturers.

Online Account Access

Once you’ve availed a Business Loan from Bajaj Finserv, you can get all information about your loan like payment schedule, interest certificate, repayment track and key information related to your loans through our digital customer portal.


EMI Rewards Program

EMI Rewards is a rewards program launched by Bajaj Finance that allows you to earn points on most of your daily activities like, eating out, visiting your grocer’s, buying medicines etc. All you need to do is present your EMI card after you have made your payment via cash/debit or credit card for your purchase, to load it with reward points. These accumulated EMI Reward points can then be redeemed against future purchases at any of our partner merchant outlets.

If you own an EMI card from Bajaj you are auto enrolled into the rewards program. This program is live in Pune, currently across 120 partner merchant outlets. Just walk into any of our network store and simply shop, swipe earn and redeem!

If you want to apply for an EMI card you can do so by logging on to our customer portal.

Features and benefits

At Bajaj Finance innovation not only meets stated needs but also anticipates future wants. With this in mind we have created a unique rewards program to reward your everyday purchases. Your EMI Card will now double up as an EMI Rewards Card, serving as a tool for you to earn and redeem reward points at any of our partner merchant outlets.

Initially, we will only extend the EMI Rewards Program to our EMI Card customers in Pune and launch in other cities, soon.


Rewarding your daily purchases

Our network of partner merchants cater to your various requirements – from daily needs to occasional and lifestyle needs. Our network of merchants cut across categories like grocery, pharmacy, opticians, F&B, salon, spa and apparel. From daily to occasional and lifestyle needs: you will find a merchant from our plethora to fulfill almost all your needs!

Simple and hassle free transactions

There is no rigidity on earning and burning EMI Reward points restricted to one category - It is a multi-partner multi-category program making it easier for you to earn more EMI Reward points across merchant categories . You can choose from our array of 120 merchants to start earning reward points.

Earn, redeem and save

Earning a reward point at partner merchant outlet is simple. Just present your EMI Card at the time of purchase to earn your reward points instantly. The cashier will swipe your EMI card to add to your reward points.

The rewards program is flexible and accommodates earning of reward points, irrespective of the mode of payment you choose – cash, debit or credit card. There is no minimum cap required on your purchase amount ensuring you to earn points even on your smallest purchases. Once you have accumulated reward points, you can either redeem them against your next purchase at any of our partner merchant outlet.

Value of points earned

The EMI Reward points earned will depend on the merchant category. Points issuance percentage is fixed across every category. Although, some of our partner merchants do offer a 2X benefit (i.e. double points).

Value of each point is equal to Rs.0.40

Refer to the table below to know how many points you can earn in each category of merchants. The % below is a function of you total bill value:

Refer to the table below to know how many points you can earn at each merchant category. The% is a function of your points earned on your bill value. For eg: on a bill value of Rs.1000 at a dining merchant you will earn 10% points translating to 100 points:

Category % points
SPA and Salon 20%
Dining 10%
Pharmacy 10%
Optician 10%
Gym 10%
Apparel 10%
Grocery 1%

Partner merchants

EMI rewards has partnered with merchants across categories to reward you on your daily and occasional needs.

Every Rupee you spend at our network of merchant outlets will earn you reward points!










Contact us

Not yet an existing customer?

You’ll be surprised how easy it is to get a Durable Finance loan with Bajaj Finserv even if you’ve never used our services before. Just visit any of our 12000+ retail partner outlets across over 140 cities in the country and our in-store representative shall guide through the entire process.
Click here to find the nearest outlet in your city.

For Existing Customers

Follow these steps to use our toll free IVR:

  •  Dial 020 3957 5152 (call charges apply) (W.e.f. 2 May 2015)
  •  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

Email for all your queries

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 on to our Customer Portal (Experia)

  • Visit
  • Log in using your User ID and Password
  • Access all loan details
  • Manage your loans
  • View special offers