Insta EMI Card
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Get a pre-qualified card loan offer amount of up to Rs. 3 lakh
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Insta EMI Card App Explained
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Why is everyone choosing the Insta EMI Card?
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Can you guess the best way to shop on EMI?
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Wishlist complete with Easy EMI!
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Zero annual charges on Insta EMI Card
Shop for 1 million+ products on Easy EMIs
Smart phones
Smart TVs
Refrigerators
Air Conditioners
Mattresses
Laptops
Washing Machines
Smartwatches
Speakers
Fitness Equipment
Cycles
Shop across all leading brands
Amazon
Flipkart
Vijay Sales
Croma
Reliance Digital
MakeMyTrip
IRCTC
Home Town
Welcome rewards for you
Why get the Insta EMI Card
You can apply for the Insta EMI Card online on our app and website.
No annual or renewal fee for the Insta EMI Card
Shop for 1mn+ products on Easy EMIs at leading partner stores across India.
Shop at Bajaj Finance partner stores across 4,000 cities.
Features and benefits
Features and benefits of Insta EMI Card
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Accepted at 1.5 lakh+ stores
The card is accepted across 4,000+ large and small cities. Wherever you are, walk into our partner stores and shop on EMIs.
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Zero down payment
Get zero down payment on a wide range of products from over 1.5 lakh partner stores
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Lower-EMI special schemes
You can opt for our special EMI schemes that offer a longer repayment tenure and reduce your monthly EMI.
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Everything on EMIs
Shop for daily groceries, electronics, fitness equipment, home appliances, furniture and more, and split the bills into Easy EMIs.
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Flexible repayment tenures
Convert your purchases into monthly instalments and pay back over 3 to 60 months.
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End-to-end digital process
The entire application process is online. It takes less than 10 minutes to complete.
Eligibility criteria and documents required for the Bajaj Finance Insta EMI Card
Insta EMI Card eligibility explained
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Anyone can get an Insta EMI Card as long as you meet the basic criteria mentioned below.
Eligibility criteria
Nationality
Indian
Age
21 years to 70 years
Income
You must have a regular source of income
Credit score
As per Bajaj Finance risk policies
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Documents required
While the online application does not require physical documents, keep them handy for your first Insta EMI Card transaction at a partner store. Here is what you will need:
PAN card, for identity verification
Aadhaar card number, for KYC confirmation
How to apply for the Insta EMI Card
How To Apply For No-Cost EMI Card
Enter your 10-digit mobile number and click on 'CHECK OFFER' on the top of the page
Enter the OTP and submit.
Enter your full name and click on 'Yes, Auto-Fetch Details'
Verify your pre-filled personal details and click on 'CONTINUE'
Check your pre-qualified card loan offer amount and click on 'CONTINUE'
Review your wallet setup details and verify the OTP
Complete your identity verification by confirming your current residential address
Post successful identity verification, pay a one-time joining fee of Rs. 530 (inclusive of applicable taxes)
After successful payment, view your card details on the Bajaj Finance app
Note: The process may differ slightly based on whether you are a new or existing Bajaj Finance customer.
If you wish to apply offline at a partner store, here is how you will go about it:
- Visit any Bajaj Finance partner store near you.
- Provide your PAN Card and Aadhaar Card to the store representative.
- The representative will complete KYC verification.
- Pay the one-time joining fee of Rs. 530 (inclusive of applicable taxes) once approved.
- Your card will be activated at the store.
Fees and charges
The following charges are applicable on Insta EMI Card/ EMI Network Card
| Type of fee | Applicable charges |
| EMI Network Card fee | Rs. 530 (inclusive of applicable taxes) |
*Additional fees and charges will apply when utilising the EMI Network Card to avail of loans.
Frequently asked questions
Overview
Application
Usage
Management
What is the Bajaj Finance Insta EMI Card?
The Bajaj Finance Insta EMI Card, also known as the EMI Network Card, lets you convert all your purchases into Easy EMIs. You can use it to shop for the latest products online and offline.
What is the use of an Insta EMI Card?
- Shop on EMI Without a Credit Card
The Bajaj Finance Insta EMI Card offers a pre-qualified loan offer amount.,allowing users to effortlessly convert the purchase cost of appliances, gadgets, and more into convenient and tailored instalments. Moreover, eligible products can be purchased via Easy EMIs, rendering the shopping experience more economical. Shopping at Partner Stores
The card extends its utility to offline purchases at over 1.5 lakh partner stores situated across 4,000 cities. Whether it is mobiles, laptops, furniture, or other products, shoppers can avail themselves of the benefits of EMI payment options.Easy Access via Portal
Gone are the days of carrying physical cards everywhere. Access to the Insta EMI Card is streamlined through the Bajaj Finance wallet app or via management functionalities available on the online Bajaj Finance customer portal.
What is the joining fee for the Insta EMI Card?
To get the Insta EMI Card, you only have to pay a one-time joining fee of Rs. 530.
Does the Insta EMI Card attract any annual charges?
No annual charges are levied on the Insta EMI Card. You only have to pay a one-time joining fee of Rs. 530 while purchasing the card.
What is the eligibility age for the Bajaj Finance Insta EMI Card?
You can apply for the Insta EMI Card if you are between 21 years and 70 years of age.
How can I apply for the Insta EMI Card?
1. Enter your 10-digit mobile number and click on "CHECK OFFER" on the top of the page.
2. Enter the OTP and submit.
3. Enter your full name and click on "Yes, Auto-Fetch Details".
4. Verify your pre-filled personal details. Select your gender and employment type and click on "PROCEED".
5. Click on proceed and check your pre-qualified card loan offer amount.
6. Click on Proceed to verify your KYC details.
7. Post successful KYC, check your card loan offer amount details.
8. Select and apply a promo code of your choice and pay a one-time joining fee of Rs. 530/- (inclusive of applicable taxes)
9. After successful payment, view your card details on the Bajaj Finance app.
What documents are required to get the Bajaj Finance Insta EMI Card?
No physical documents are required to get the Bajaj Finance Insta EMI Card. You just need the following details:
PAN Card details
Aadhaar Card number for KYC confirmation
When will I receive my Insta EMI Card?
The Insta EMI Card is a digital card, therefore, you will not receive a physical card. You can easily access your card details on the Bajaj Finance app.
How do I register for my e-mandate?
To register for your e-mandate, you need to:
- Share your bank account number and IFSC code
- Verify all the details entered by you
- Submit OTP for validation purposes
What are the benefits of e-mandate registration?
By registering for your e-mandate, you will:
Never miss on your EMI payments with the auto-debit feature
Manage your loans in an efficient manner
Will I be able to use my Bajaj Finance Insta EMI Card at offline stores?
Yes. You can walk-in into any of our offline partner stores and get your product financed.
Where all can I use my Bajaj Finance Insta EMI Card?
You will be able to use your Bajaj Finance Insta EMI Card at offline dealer stores near you, as well as on leading e-commerce sites in our partner network.
What merchant categories can the Insta EMI Card be used for?
You can use the Insta EMI Card to shop from merchants across various other 1.5 lakh + online and offline partner stores like:
Is Bajaj Pay Wallet required for the Insta EMI Card?
Insta EMI Card is offered by Bajaj Finance Ltd, which requires creation/activation of Bajaj Pay Wallet in the journey for receiving cashbacks.
What rewards will I get with my card?
After you get the Insta EMI Card, you will earn the following rewards:
Flat Rs. 1,000 cashback (on 1st in-store transaction)
An assured cashback of up to Rs. 50
Complimentary brand vouchers from Max, Lifestyle, Domino's, and Titan
How can I use the Bajaj Finance Insta EMI Card?
You can use the Bajaj Finance Insta EMI Card to shop for electronics, apparel, travel, groceries, home décor, and more. Using the Insta EMI Card is very easy. When you visit a partner store, select the product of your choice, choose your preferred repayment tenure, and provide your Insta EMI Card details at the billing counter; your purchase will be successfully converted into EMIs.
Where can I view my Insta EMI Card details?
You can view your card details on the Bajaj Finance app.
How do I view my Insta EMI Card details on the Bajaj Finance app?
If you are viewing your Insta EMI Card details for the first time, follow these simple steps:
- Open the Bajaj Finance app
- Enter your mobile number
- Enter the OTP sent to your mobile number and tap on ‘SUBMIT’
- Enter your ‘Date of Birth’ (DOB) as per your PAN Card then tap on ‘SUBMIT’
- Click on the “EMI Card” icon at the top of the page
- Next, enter your DOB again and click on ‘Link to Proceed’
- Click on ‘VIEW’ under the Card Detail section to see your card details
Why do I need the Bajaj Finance app for my Insta EMI Card?
With the Bajaj Finance app, you can:
Access your Insta EMI Card and all related details
Get exclusive offers
Why is wallet required?
Your assured welcome cashback and future cashback rewards are credited to your Bajaj Pay Wallet. Therefore, it is beneficial to have an active Bajaj Pay Wallet to receive uninterrupted rewards.
When will the cashback be credited to my wallet?
Your assured welcome cashback is credited after a successful Insta EMI Card fee payment. Any future cashback rewards are credited to Bajaj Pay Wallet as per the applicable offer terms.
I am unable to transact with my Insta EMI Card. What could be the issue?
If you are unable to transact using the Insta EMI Card, your card might be blocked. You can check your card status on our customer portal My Account or the Bajaj Finance app.
- To check your card status:
- Sign-in to My Account
- Check your card status and the reason why your card is blocked.
How to unblock your Insta EMI Card?
If you have blocked your card in the past and want to use it again, you can unblock it by visiting our customer portal.
Sign-in to ‘My Account’ with your registered mobile number and the OTP.
Enter your date of birth for verification and proceed.
Select the card you want to unblock from ‘My Relations’.
Click on the option ‘Unblock Card’ from the ‘Quick Actions’ section.
Verify with an OTP sent to your registered mobile and proceed.
Get more details on how to block/unblock your Insta EMI Card.
How can I contact the Bajaj Finance customer care?
You can contact us online via our customer portal ‘My Account’. You can also call us at +91 8698010101 for all your queries.
What do our customers say about us
Customers say
Ranita Das
Reviewed on 10 Aug 2024
I used the Bajaj Finance EMI Card to purchase a new refrigerator. The application process was straightforward, and I liked the flexible repayment options. Very happy with the service.
Varun Sharma
Reviewed on 10 Aug 2024
I have been using the Bajaj Finance EMI Card for over a year now. The instant approval and wide range of partner stores make it very useful. It helped me finance my family’s needs without any stress. Absolutely satisfied.
Prabhat Singh
Reviewed on 07 Aug 2024
Using the Bajaj Finance EMI Card for household appliances was a smart choice. The flexible repayment plans suited my financial needs. The process was simple and convenient. A great option for managing big purchases.
Aniket Divekar
Reviewed on 08 Aug 2024
The Bajaj Finance EMI Card offered me a seamless experience. I could buy my new phone without worrying about the full upfront payment. The interest-free EMI and easy online account management are fantastic features.
Disclaimer
Bajaj Finance Limited has the sole and absolute discretion, without assigning any reason to accept or reject any application. Terms and conditions apply*.