Clothes and Accessories

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.



Features and Benefits

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.


How to apply:

Buy in 3 simple steps

  • Visit the nearest partner store
  • Choose what you want to buy
  • Swipe your EMI card and shop for your favourtite brands

To apply for Bajaj Finserv EMI Card click here


Eligibility and documents:

To shop for clothes and accessories across 1350+ stores, you must be Bajaj Finserv EMI Card holder.

Documents required

If you are an EMI Card holder with ECS - Visit your nearest store and simply swipe and divide all you buy into no cost EMIs.

If you are an EMI Card holder without ECS - Submit below documents to the nearest Bajaj Finserv branch.

  1. Open ECS mandate duly signed (open ECS is same as other ECS with an extended period so that you don’t have to give a fresh ECS for your purchases in future)
  2. One cancelled cheque
  3. KYC documents (government issued photo ID proof and residence proof)
  4. One passport size photograph



Buy clothes and accessories across 5000+ stores in below 15 cities with your Bajaj Finserv EMI Card.

Ahmedabad | Bangalore | Chandigarh | Chennai | Coimbatore | Delhi | Hyderabad | Kolkata | Ludhiana | Mumbai | Nagpur | Nasik | Pune | Surat | Vadodara

Divide all you buy into no cost EMIs and get the best shopping experience with our below partner stores

Fbb - India's Fashion Hub
UCB - United Colors of Benetton
Pepe - Pepe Jeans London
US Polo
Me N Moms
Shoppers Stop
Flying Machine
Mega Mart
K Lounge
Meena Bazaar
Numero Uno
Red Tape
Sri Ganpathy Silk


Frequently Asked Questions

Q1. What is a Durable loan?

A Durable loan is a loan for purchase of Durable like Washing Machine, Refrigerator, Television, etc.

Q2. What is the process for availing the loan?

Please check out the ‘How to apply’ section for more details.

Q3. What are the tenors for which I can avail of the loan?

You have flexible tenor options to choose from, ranging from 8 to 24 months.

Q4. What is the documentation required?

You need to provide a valid income document, photo id proof, residence proof and PDC's/ECS. Depending on the Credit program you opt for, you will be required to give some minimal additional document(s). For more details, please check out the Documents column within the ‘Eligibility’ section.

Q5. What is the interest and processing fees charged for the loan?

We offer Durable Finance under which there is absolutely no interest charged. These offers are available on a range of products. For products that are not covered under Durable Finance, you will be charged nominal interest as per the prevailing company interest rate and policy. A nominal processing fee is charged depending on the special offers running at the time.

Q6. How does Bajaj Finserv offer durable finance at rate to customers?

We do not charge any interest component to our customers. All that a customer has to pay is some upfront instalments (as applicable) for the amount financed and a nominal amount of processing charges. The manufacturers bear an annualised rate of interest which is based on risk gradation, cost of funds, margin & risk premium. There are no hidden charges whatsoever.

Q7. Whom do I contact in case of any further queries regarding the loan? Where can I get this loan?

You can walk into our dealer partner Durable outlets and connect with our in-store executives. To find out our dealer partner store nearest to you, simply fill in your location detail in our ‘Find the nearest store’ section.

Q8. Can I foreclose the loan, and what is the procedure for the same?

Yes, you can foreclose after 6 months from the loan disbursement date. Just walk into one of our branches or contact us on wecare@bajajfinserv.inand we will be happy to help you.

Q9. Are there any charges for foreclosing the loan?

There are absolutely no charges or penalty for foreclosing your loan.


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 to know your current email address
UPDEMAIL <New email ID> to update your email address 
GETADD to know your current mailing 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 name and password 
PIN to know your 4 digit EMI card PIN
FEEDBACK to share 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

  • 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 Customer Portal
  • Log in using your user id and password
  • Access all loan details
  • Manage your loans
  • View special offers