What is Bajaj Finserv Insta EMI Card limit?
The Bajaj Finserv Insta EMI Card limit is the maximum amount you can spend using the card for EMI-based purchases. It is a pre-qualified card loan amount, up to Rs. 3 lakh, decided based on your credit score, income, and eligibility per Bajaj Finserv’s internal policies. Curious how you qualify? Check your offers now using your mobile number and OTP.
Factors affecting your Insta EMI Card limit
To assess your eligibility and the potential limit for the Insta EMI Card, you will need to provide some personal information:
- Age: The Insta EMI Card is issued to existing customers aged between 21 years and 65 years.
- Regular source of income: Your card limit is influenced by your regular income. Higher income generally results in a higher Insta EMI Card limit. However, if you already have multiple existing loans, it might affect the limit until one of the loans is paid off.
- City: Your city of residence can impact the Insta EMI Card limit. Generally, larger cities with higher income levels may be eligible for a higher limit compared to smaller towns.
- Credit score: Your credit score is of utmost importance. It is maintained by credit bureaus such as TransUnion CIBIL and Experian, who track your loan and credit card history, including repayment behaviour. A higher credit score enhances the chances of approval and a higher sanctioned limit.
- Repayment history: Timely EMI payments positively impact your credit score and indicate good financial management. Consistent on-time payments improve your credit score while missing payments can lower it. Remember, ‘EMI on time, every time’.
To find out your eligibility and check your credit score, we offer helpful tools on our website. You can also find information about the minimum salary requirement for your city.
A number of factors, such as your credit score, a consistent source of income, your age, and others, affect the amount you can spend with an Insta EMI Card. You can increase your EMI Card limit by being aware of these factors and working to improve them. This will provide you more financial freedom to make purchases and the ability to take advantage of Easy EMI plans. Always keep in mind that having a greater limit means having to manage it carefully.
By understanding these factors and maintaining a good credit score, you increase your chances of getting a higher Insta EMI Card limit.
Features and benefits of Bajaj Finserv Insta EMI card
The Bajaj Finserv Insta EMI Card comes with a range of practical features and advantages that make it a flexible option for financing your purchases:
Pre-qualified card loan amount: Get a credit limit of up to Rs. 3 lakh which you can use across different types of purchases.
Flexible repayment plans: Choose repayment tenures ranging from 3 to 60 months, per your budget.
Wide acceptance: Use the card at over 1.5 lakh partner stores across 4,000+ cities in India, including online platforms like Amazon, Flipkart, and Bajaj Mall.
Minimal documentation: Easy application with basic KYC documents such as Aadhaar and PAN cards.
Instant activation: Once approved, your card is activated quickly, letting you shop without delays.
Zero foreclosure charges: You can pay off your EMI plan early without any extra fees.
Special offers: Access exclusive zero down payment deals on select products and during festive seasons.
Online and offline usability: Use the card both in-store and through major e-commerce platforms for maximum convenience.
Improves credit profile: Regular and timely EMI payments can boost your credit score.
No need for a credit card: The Insta EMI Card offers a convenient alternative to credit cards for managing high-value purchases.
Check your offers now to make the most of these benefits of Bajaj Finserv Insta EMI Card. You might already be eligible; find out by entering your mobile number and OTP.
Steps to apply for Bajaj Finserv Insta EMI card
Wondering how to apply for Bajaj Insta EMI Card? It is simple and can be done either online or at a physical partner store. Follow these steps based on your preferred method:
Online application process
Visit the official Bajaj Finserv website and enter your mobile number.
Authenticate with the OTP received and proceed to the application form.
Submit your basic details and check the available credit limit.
Complete the KYC process using your Aadhaar or DigiLocker account.
Pay the one-time joining fee of Rs. 530/-.
Complete e-mandate registration by providing your bank account and IFSC details.
Once verified, your card will be instantly activated for use.
Offline application process
Go to any Bajaj Finserv partner store.
Choose the product(s) you want to buy and inform the sales staff that you want to use the Insta EMI Card.
Provide your Aadhaar card, PAN card, and other required documents.
Once your details are verified, pay the one-time joining fee.
Your card will be issued and ready to use for EMI transactions.
Eligibility criteria for Bajaj Finserv Insta EMI card
The table below outlines the eligibility criteria for Bajaj Finserv Insta EMI Card
Criteria |
Requirement |
Age |
Between 21 years and 65 years |
Citizenship |
Must be an Indian national |
Income source |
Should have a stable, regular income |
Credit history |
Must meet Bajaj Finserv’s credit score policies |
Documents required for Bajaj Finserv Insta EMI card application
When applying for the Insta EMI Card, make sure you have the following documents ready:
A valid PAN card
Aadhaar card for identity and address proof
Bank account number with IFSC code (for e-mandate registration)
Proof of income (if requested)
Recent passport-size photograph (in case of offline application)
These documents ensure a smooth application process and help Bajaj Finserv verify your details quickly.
Ready to apply? Check your eligibility in an instant using your mobile phone number and an OTP for verification.
