The following are the features and benefits of the Bajaj Finserv EMI Network Card or Bajaj Finserv Insta EMI Card.
Features
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Benefits
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Easy EMI
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You can pay for products and services in Easy EMIs. Thus, minimal interest is levied on the EMIs
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Wide partner network
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The Bajaj Finserv EMI Network is a hub of more than 1.5 lakh partner stores (offline and online), located in 4,000+ cities across the country. You can use the card at any of these partner stores, and purchase products across categories ranging from appliances to healthcare, accessories to furniture, groceries to apparel, and more.
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Flexible repayment tenure
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You can select the EMI and tenure combination that is convenient for you. The repayment period ranges from 3 to 60 months allowing you to repay the amount at your convenience.
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Pre-qualified card loan limit
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The card comes with a pre-qualified card loan limit of up to 3 lakh. This pre-qualified limit depends on your credit score, credit profile, and repayment history. Thus, your creditworthiness is considered while assigning the credit limit. |
Easy and hassle-free application:
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You can apply for the Bajaj Finserv Insta EMI Card online in a few easy steps and with minimal documents like your KYC. |
Easy monitoring of EMIs
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Once you purchase a product on EMIs using the Insta EMI Card, you can access your EMI details, repayment history, and more by logging into ‘My Account’ on the Bajaj Finserv website. |
Exclusive offers and benefits
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While shopping at the partner stores and platforms, you can avail of exclusive offers and benefits, such as hefty discounts and cashback.
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No hidden charges
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The Bajaj Finserv EMI Network Card does not come with hidden charges or add-on fees. You only have to pay a nominal joining fees Rs. 530/- (inclusive of applicable taxes) when you apply for the digital card online. |
How does Bajaj Finserv Insta EMI Card work
The Insta EMI Card makes shopping easier by letting you split your payments into affordable monthly instalments. Whether you're shopping in-store or online, you can use the card to convert your purchases into Easy EMIs with minimal interest. Here's how it works:
- Visit a partner store: Use the store locator to find a Bajaj Finserv partner outlet near you. Head there to begin your shopping.
- Pick your product: Choose the item you want to buy.
- Ask for EMI payment option: Speak to the store executive and let them know you’d like to use your Insta EMI Card.
- Use the card at checkout: Share your card details and get the payment converted into EMIs.
You can also shop online on websites like Amazon, Flipkart, Bajaj Mall, and travel portals like MakeMyTrip and Yatra using your Insta EMI Card.
What are the Insta EMI Card charges involved
The Bajaj Finserv Insta EMI Card provides the Easy EMI feature, meaning interest charges apply. However, to obtain the card, there is a one-time payment of Rs. 530/-.
Additionally, if you have not used the Bajaj Finserv Insta EMI Card for any purchases in the previous year, an annual fee of ₹117 may be applicable.
How to apply for the Insta EMI Card online?
Here is how you can apply for the Bajaj Finserv Insta EMI Card online.
- Enter your 10-digit mobile number and verify that with the OTP sent to your phone.
- Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
- Select your employment type and gender.
- Click on submit to know your card loan limit.
- Verify your KYC using your Aadhaar Card or DigiLocker.
- Post successful KYC, pay a one-time joining fee of Rs. 530/- (inclusive of applicable taxes).
- Click on ‘Activate Now’ and enter your bank account number and IFSC code to complete the e-mandate process.
- After successful e-mandate registration, your card is ready to use.
How to apply for the Insta EMI Card offline?
Applying for your Insta EMI Card is as convenient offline and can be done prior to making your purchase. Here’s how:
- Visit your nearest Bajaj Finserv partner store.
- Request assistance from a store representative who will guide you through the process.
- Submit your documents for verification.
- Once approved, pay the one-time joining fee to have your card activated for use.
Conclusion
The Bajaj Finserv Insta EMI Card is a convenient and practical card for purchasing big-ticket items on Easy EMI without paying the money out of your pocket. With features like a high card loan limit, flexible repayment tenures, and a vast network of partner stores, the EMI Network Card has become a popular financing option for shoppers. Thus, the EMI Network Card is a must-have for anyone looking for affordable and hassle-free financing options. Check your offers now to see how you qualify. You might already be eligible; find out by entering your mobile number and verifying it with an OTP.