Increase your EMI Network Card limit online through My Account.
Check your eligibility and enhance your EMI Network Card limit in a few simple steps.
Enter mobile and OTP · No password needed · No branch visit needed
The Bajaj Finance EMI Network Card or Insta EMI Card is a unique financing solution that helps you convert your purchases into bite-sized EMIs. With this one-of-a-kind product, you can shop for 1 million+ products across categories such as electronics, kitchen appliances, furniture, fitness equipment, and more.
When you apply for our EMI Network Card, you're assigned a loan limit based on criteria such as your CIBIL Score and repayment history. You can use this limit to buy your favourite products and split the cost of your purchase into EMIs.
Most customers are assigned the maximum loan limit of 3 lakh on their EMI Network Card.
When you use your card to shop, the amount is deducted from your pre-assigned limit. And as you repay your EMIs every month, the loan limit is reinstated. This reinstated amount can be used to pay for your next purchase.
How to Increase Your Bajaj EMI Card Limit Online: Step-by-Step Guide
If you need more money, here are the steps to follow to increase the loan limit of your Bajaj Finance EMI Network Card:
- Click on the ‘Sign-in’ button on this page to visit our customer portal – My Account.
- Enter your registered mobile number and OTP.
- Verify your details by entering your date of birth and proceed.
- Select the EMI Network Card from the ‘My Relations’ section.
- Click on the ‘Increase Limit’ option within ‘Quick Actions’. (This option will be available only if you have an offer.)
- Check your new limit and proceed to avail.
Please note that you’ll be asked to pay an additional fee if you want to avail of this new loan limit.
Increasing your EMI Network Card limit is easy and hassle-free with Bajaj Finance services. You can use this and our other digital services by visiting My Account. With our customer portal, it’s easy to access all the loan accounts created using your EMI Network Card.
To use our digital services on the go, you can download the Bajaj Finance app from the Play Store or App Store.
Please note that this option is available to only those customers who have an offer of an increase limit. You are likely to get this option if you have a good repayment record and strong credit history.
Got card questions? Find answers here
Frequently Asked Questions
Eligibility & Offers
Limit Increase Process
Approval & Usage
Who is eligible to increase the Bajaj EMI Card limit?
Generally, customers with a good repayment history, consistent card usage, and a healthy credit score are eligible for a limit increase. Even one missed EMI can reduce your eligibility, so check your specific current status through the customer portal or app before applying for one.
Why can't I see the 'Increase Limit' option in My Account?
This option may not appear if you are currently not eligible, often due to a limited repayment history, a recent missed payment, or insufficient card usage so far. Building a consistent, on-time repayment record over time can help this option become visible again in future.
Does increasing my Bajaj EMI Card limit require additional documents?
Yes, in some cases. You may need to submit updated income proof or KYC documents, depending on your profile and how long it has been since your last verification with Bajaj Finance. Requirements can vary, so check exactly what is needed within the app or portal.
Is there any fee for increasing the Bajaj EMI Card limit?
Some sources indicate a nominal loan enhancement fee may apply for this request, though this is not consistently confirmed across all official sources currently available. It is best to check the exact fee, if any, directly within the app or portal before submitting your request.
How long does it take for the increased EMI Card limit to become available?
Once approved, your increased limit is typically reflected within a few working days of your request being submitted and verified. Exact timing can vary depending on your profile and document verification, so check the app or portal periodically to confirm your updated limit is active.
Will increasing my Bajaj EMI Card limit affect my existing EMIs?
No. Increasing your EMI Card limit does not change your existing EMIs or repayment schedule for purchases already made previously. It simply increases your available limit for future purchases, without altering any current instalment amounts, due dates, or already agreed repayment terms in any way.
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