EMI Card: Features and Benefits

An EMI Card is simply a smarter way to buy consumer durables, digital and lifestyle products.
Read on to know more about the benefits of the EMI Card from Bajaj Finserv:

Pre-approved eligibility

The Bajaj Finserv EMI Card is a pre-approved loan in your wallet.

Instant approval

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

Minimal documentation

Existing EMI card holders need not provide any documents, as your EMI Card carries all the necessary documents that you require.

Easy online shopping

Now online shopping gets easy and secured with Bajaj Finserv EMI card. An OTP option is enabled to make your transaction safe. Click here to know more.

Flexi tenor options

You have a range of options to choose your tenor from.

Zero foreclosure charges

You can choose to foreclose your loan anytime without any extra charges.

Preapproved offers

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

Online account access

You can get all information about your loan like payment schedule, interest certificate, etc., through our customer portal.


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 25000+ partner outlets across over 600+ cities in the country and our in-store representative shall guide you through the entire process..

For existing customers

Follow these steps to use our 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 [email protected]

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