How to Check Eligibility for Bajaj Finserv Insta EMI Card

You must meet some basic criteria like a decent CIBIL Score, a regular source of income, and KYC documents. Learn more.
How to Check Eligibility for Bajaj Finserv Insta EMI Card
3 min read
10 Sept 2025

If you are wondering how can I check Insta EMI Card eligibility, the process is simple and quick. Visit the official Bajaj Finserv website or app and head to the Insta EMI Card section. Enter your basic details like mobile number, date of birth, and PAN card information to get instant eligibility results. You must be an Indian citizen aged between 21 and 65 years, with a stable income and a good credit profile. Once you meet the criteria, you can apply online and get instant approval, enabling you to shop on easy EMIs across partner stores.

What is Insta EMI Card Eligibility

The Insta EMI Card eligibility criteria are simple and easy to meet. You must be an Indian citizen between 21 and 65 years of age, have a regular source of income, and maintain a good credit profile. Meeting these requirements ensures quick approval of your Insta EMI Card, allowing you to shop across 1 million+ products on easy EMIs with flexible repayment options and minimal documentation.

It is quite convenient and quick to get an Insta EMI Card as long as you meet some basic criteria

  • You must be an Indian national.
  • You must be between 21 years and 65 years of age
  • You must have a steady source of income
  • You must have a good credit score

You will also have to provide a few documents to back up your Bajaj Finserv Insta EMI Card eligibility.

Check Also: Insta EMI Card Eligibility

Documents required for Bajaj Finserv Insta EMI Card

You need to provide the following documents when applying for the card:

  • Address proof
  • PAN card
  • Signed electronic clearance Service mandate
  • Cancelled cheque

Check Also: How Does Insta EMI Card Works

Benefits of Insta EMI Card Online

  • Shop across 1 million+ products on partner stores and websites.
  • Convert big and small purchases into affordable EMIs instantly.
  • Enjoy flexible repayment tenures ranging from 3 to 60 months.
  • Get zero down payment offers on select products for easier shopping.
  • Quick online application and instant approval with minimal documentation.

How to apply for the Bajaj Finserv Insta EMI Card?

You can apply for the Bajaj Finserv Insta EMI Card by following these steps:

A. Steps to apply for existing customers

  1. Log in to your Bajaj customer portal – My Account
  2. Check your pre-approved offer and click on the 'EMI Card' link
  3. Pay a one-time fee of Rs. 530/- (inclusive of applicable taxes)
  4. Your card will be immediately ready for use

Check Also: How to Apply for Bajaj Finserv Insta EMI Card

B. Steps to apply for new customers

  1. Click on Apply on top of this page
  2. Enter your 10-digit mobile number and verify the OTP sent to your phone
  3. Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code
  4. Select your employment type and gender
  5. Click on submit to know your card limit
  6. Verify your KYC using your Aadhaar card or DigiLocker
  7. Post successful KYC, pay a one-time joining fee of Rs. 530/-
  8. Click on ‘Activate Now’ and enter your bank account number and IFSC code to complete the e-mandate process
  9. After successful e-mandate registration, your card is ready to use

Once your Bajaj Finserv Insta EMI Card is activated, you can access details on My Account.

Frequently asked questions

How can I check my Bajaj Finserv Insta EMI Card eligibility?

You can check your eligibility on Bajaj Finserv website. Typically, individuals between the age of 21 years and 65 years with a steady income can apply for the card.

What is the minimum salary requirement for the Insta EMI Card?

Any individual with a regular monthly income can apply for the card. To gain more insight into the minimum salary requirement, visit our website and eligibility section for Insta EMI Card.

Is PAN card important to avail of Insta EMI Card?

Yes, a PAN card is one of the most crucial documents required to apply. Failing to provide the same may impact the applicant's eligibility. Besides PAN cards, individuals also have to provide other documents, including address proof, cancelled cheque, etc.

Is the CIBIL Score necessary to get an Insta EMI Card?

Applicants with a good CIBIL Score can apply for the Bajaj Finserv Insta EMI Card. However, note that there are other qualifying criteria that must be fulfilled to acquire this EMI card.

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.