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Future Group Bajaj Finserv EMI Network Card

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Overview

The Future Group Bajaj Finserv EMI Card is a co-branded EMI Network Card which can be used at any of the five Future Group retail format stores. This is the first-of-its-kind EMI network card which can be used at Big Bazaar, Brand Factory, Central, E-Zone and Hometown and is issued exclusively to Future Group customers.

Features and benefits

Pre-approved offers

Pre-Approved Loan offer

You can avail a pre-approved loan offer any time while shopping at any of our select Future Group partner stores

Instant Card Generation

On successful KYC and mandate process completion, your digital EMI Network Card will be generated instantly and exclusively for you.

Instant and secured transaction

Transactions done through this card at any of our partner store will be instant and secured

No Physical card required

You can use the Bajaj Finserv Wallet app to view and use your EMI Network Card. Just show your Future Group EMI Network Card on the Bajaj Finserv Wallet app and you can convert your shopping spends into easy EMIs

No foreclosure charges

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

How can you get this co-branded EMI Network Card today?

You can get this digital card within 15 minutes by following below steps:-

• Go to nearby Future Group store (as listed in store locator)
• Share you Aadhar and KYC details with our in-store representative
• If found eligible, an OTP will be sent to your registered mobile no. with terms and conditions
• Furnish your mandate documents and complete IMPS process
• Your card will be activated instantly on the Bajaj Finserv Wallet App
• Just show your digital card at the sales counter to complete your transaction

1.

An individual between 21* and 60 years of age

2.

Regular source of income

3.

Aadhar card and PAN card.

4.

Proof of address / proof of identity in case Aadhaar address isn’t same as current address

5.

Active bank account/ 1 canceled check.

T&C Apply*

Joining fee for Gold EMI Card: Rs. 412

Annual fee of Rs. 117 (Rs.99+18% GST) will only be charged to the EMI cardholders who have not availed any loan using the EMI Card in the preceding year. The preceding year will be 12 months calculated from last year’s validity month, which is printed on the face of your EMI Card. For example, if you were issued the EMI card on August 2014 (referred to as ‘Valid From’) and no transaction between August 2015 & August 2016; the payment of the fee will be in August 2016

• The minimum age should be 21.

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Frequently Asked Questions

How long will it take for the card to get activated?

Your EMI Network Card is generated in 10 minutes and is activated instantly.

What is the maximum value of transaction I can do post activation?

You will be a credited a loan amount on your EMI Network Card. You can transact maximum up to your loan limit available on your card. You can also check this loan amount at our customer portal by using the OTP sent to your registered mobile number or by typing LIMIT and sending an SMS to 9227564444.

What is the payment cycle?

The EMI Network Card has a monthly payment cycle. For loans taken on your EMI Network Card, Bajaj Finserv have only 2 due dates- either 2nd or 5th of the month. The due dates will be communicated to you while availing the loan. The same would also be a part of the loan welcome letter.

Do I need Aadhaar card?

Aadhaar card is mandatory and its authentication will be done by an OTP method or a biometric device.

Do I need to provide the hardcopy of my documents?

No, our in-store executive will click a photo of your KYC documents, cancelled cheque, and a Photograph with a mobile or a tablet.

Is a PAN card mandatory for availing an EMI Network Card?

Yes, your PAN details are required to check your credit history.

How do I use my EMI Network Card and where can I use it?

You can use your card by visiting our registered stores. Please share your registered mobile number or card number with our executive or at the billing counter to do the transaction. This card can be used at select Future Group stores (Big Bazaar, Hometown, Ezone, FBB, and Central).

Where I can see my card details?

The EMI Network Card is a virtual card. You can view your card details like your card number, EMI limit, and the status of your card on the Bajaj Finserv Wallet App. This is a digital EMI card, you will not receive any plastic.

You can also view the details of your EMI Network Card as well as all your existing loans from Bajaj Finserv by logging into to our customer portal Experia.

What documents do I need to avail an EMI Network Card?

You need to provide your address proof and identity proof to avail your EMI Network Card. The document list includes the following:

 For identity proof (any one)
• Aadhaar Card
• Driving Licence
• PAN
• Passport
• Voter ID

 For address proof (any one)
• Aadhaar Card
• Driving License
• Passport
• Voter ID

Note: If customer is not able to provide the valid document proof of the current address, then card will not be issued.

What if I don’t have all the documents?

You can come back to the same store where the application was initiated within 7 days to complete your application.

What details can I see on Experia?

You will be able access your EMI Network Card number, available EMI limit, and status of loans etc. You will also be able to can view your transaction details, make EMI payments, and download statement of account.

What are the advantages of a digital EMI Network Card?

The Bajaj Finserv digital EMI Network Card enables you to convert your purchases into easy EMIs. You can enjoy the experience of effortless EMI shopping with instant approval and minimal documentation.

I have lost my mobile phone; how can I block my EMI Network Card?

You can call our customer service at 020 – 3957 5152 to block your EMI Network Card.

I am not getting SMS for the transactions?

Our representatives at the partner outlet will be there to assist you. Please check on the mobile number registered with us to get any transaction-related SMS. In case your problem is not resolved, please call us at 020 – 3957 5152 (Call charges applicable).

What are the benefits of using the Future EMI Network Card?

This is an industry first instant digital card on your that helps to convert purchases into easy EMIs.

Is there a minimum transaction amount to avail this facility?

• Yes. For your retail purchases from Big Bazaar, Central, Food Bazaar, Brand Factory, Fashion @ Big Bazaar the minimum transaction amount is Rs.5,000
• for consumer durable or life style item purchase from eZone and Home Town the minimum transaction amount is Rs7,000

How is it different from a credit card?

You can use the Future Group Bajaj Finserv EMI Network Card to avail No Cost EMI and easy EMIs on a wide range of products at any Future retail formats. It comes loaded with various features and benefits:

• Pre-approved loan eligibility Acts as a pre-approved loan amount in your wallet which allows you to buy products on EMIs as per your loan eligibility
• Approval in seconds: Use online and make your purchase instantly
• No physical documentation: No need to submit multiple documents, your EMI Network Card carries all loan amount details with other information as well
• Track your spends: Check your card transactions and loan details by logging on to Experia.
• Instant alerts: Stay updated with instant transaction alerts on your registered mobile number and email ID
• Shop over a wide range of products including LED TVs, Air Conditioners, Refrigerators, Washing Machines, Microwave Ovens, Smartphones, Laptops, Furniture, Clothes and Accessories, Eyewear, Footwear, Small Appliances, and much more

What are the charges for the EMI Network Card?

There is a one-time activation charge of Rs.412 (including GST) for the EMI Network Card.

Is there an annual fee?

Yes, there is an annual fee of Rs.117 (Rs. 99 + 18% GST) that will be applicable if you don’t transact within next 12 months. There are no annual charges applicable if the EMI Network Card is used in the last 12 months.

How do I cancel my EMI Network Card?

You can easily cancel your EMI Network Card by calling the customer care 020 - 3957 5152. The call charges apply if you are calling from a non- registered mobile number, please keep your 7-digit customer ID handy for verification.

What are the late payment charges?

It depends on the product you purchase, late charges will be variable for consumer durables, lifestyle finance, lifecare finance, and digital product finance.

What if I don’t have a document in my name?

The Card can’t be issued in such a scenario.