EMI Network Card Limit: ₹30,000 – ₹2,00,000
Clear overdue EMIs & protect your credit score
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Track your Insta EMI Card on our service portal
The Bajaj Finance EMI Network Card, also known as the Insta EMI Card, is a unique way of financing. It lets you shop across categories such as clothing, furniture, home and kitchen appliances, and more and divide the cost into equated monthly instalments.
If you’re looking for more information about your Insta EMI Card – your available loan offer amount, card status, you can visit our service portal.
Sign-in with just your mobile number and one-time password to:
- Track your Insta EMI Card details and usage.
- Download EMI card welcome letter
- Block or unblock your card
View your Insta EMI Card details
Check your Insta EMI Card status, its loan offer amount, card number, card validity, and more by signing-in.
You can check your card details by following these simple steps:
- Sign-in with your registered mobile number, and the OTP.
- Enter your date of birth for verification and proceed.
- ‘View all’ under ‘Your Relations’.
- Select the insta EMI card
- Find your card details like card status, validity, total and available loan offer amount.
You can also click on ‘View your card details’ to sign-in. Once signed-in, select your card from 'Your Relations’ section and view its details
View your card details
Trouble viewing your EMI card number? Here's what you can do
If you're unable to view your EMI Card number, it could be due to one of the following reasons. Then, follow the steps below to troubleshoot and resolve the issue.
Common reasons why your EMI card number is not visible
- Registered mobile number SIM not in the device
The SIM card linked to your registered mobile number is not inserted into the device you're currently using.
- Insufficient SMS balance on prepaid SIM
If you're using a prepaid SIM, it may not have enough balance to send the SMS required for EMI Card verification.
- Incorrect SIM selection during authentication
If your phone has multiple SIM, the wrong one might be selected during the EMI Card login process.
How to fix EMI card number visibility issues
- Insert the correct SIM
Make sure the SIM associated with your Bajaj EMI Card is inserted in the device you're using.
- Check SMS balance
If you're on a prepaid plan, ensure your SIM has enough balance to send SMS for EMI Card access.
- Select the correct SIM
During authentication, choose the SIM linked to your registered mobile number to complete the process successfully.
Download your Insta EMI Card welcome letter
Your welcome letter includes a personalized summary of your relationship with us, details of your EMI Network Card, and information on applicable fees and charges. It’s designed to help you understand your account better and make the most of your EMI benefits from day one.
Check your EMI card welcome letter
You can download the EMI card welcome letter related to your Insta EMI Card by visiting our service portal.
- Sign-in with your registered mobile number, and the OTP.
- Verify your details using your date of birth and proceed.
- Go to 'Service' and click on Statements & documents .'
- Select 'Insta EMI Card.'
- Click on 'View Statements.'
- Click on ‘Welcome letter.'
- Click on the download button to download the ‘Welcome letter.
You can also click on ‘Download your ‘Welcome letter option below.
You’ll be asked to sign-in and then redirected to the ‘Document Centre’ section. You can then select your loan account to view its documents and click on ‘Statement of Account’ to download it.
Download your welcome letter
Get in touch with us
Reach us if you need assistance with any of our products or services.
- Visit our Help and Support section for online assistance.
- For fraud-related assistance, call our helpline +91 8698010101
- You can download our app from Play Store/ App Store to connect with us.
- Find our branch nearest to your location and get your queries resolved.
- You can connect with us by visiting our Reach Us page.
Reset your Insta EMI Card PIN
Your Insta EMI Card comes with a four-digit Personal Identification Number (PIN). You’ll be asked to set up a new one when you activate your card. You’ll then need this PIN for every transaction. If you forget your PIN, or need to update it, you can reset it by visiting the service portal.
Reset your EMI Card PIN
- Sign-in with your registered mobile number and the OTP.
- Verify your details with your date of birth and proceed.
- Go to ‘view all’ under ‘Your Relations.’
- Select your EMI card number.
- Click on 'Reset PIN.'
- Enter and then re-enter your new PIN.
You can also click on the ‘Change your PIN’ option below to sign-in. Then, you can select your card from ‘Your Relations’ and proceed.
Once you complete the process, you’ll receive a notification on your screen.
Block or unblock your Insta EMI Card
Your Insta EMI Card is a great way to manage your purchases, but you may face a situation where you need to block your card. If you don’t wish to use it for some time, you can block your card. In case you’re one of our old customers, and have misplaced your physical EMI Network Card, you can block it online.
In such a scenario, blocking your Insta EMI Card can help you prevent misuse or fraud. And you can do this by visiting our service portal. However, once your card is blocked, you won’t be able to use it to shop.
However, there are other scenarios due to which your Insta EMI Card might get blocked. These include non-payment of instalments, or a low CIBIL Score. In such a case, it will get unblocked once you clear your overdue EMIs or improve your credit score that meets our internal policies. An SMS is sent to your registered mobile number to inform you about any change in the status of your card.
Block your card
You can block your card by visiting the service portal.
- Sign-in with your mobile number and the OTP.
- Enter your date of birth for verification and proceed.
- Go to ‘Service.’
- Select your EMI card from 'Your Relations.'
- Click on ‘Block Card.’
- Enter the reasons for blocking and proceed.
You can also click on the ‘Block your Insta EMI Card’ option below to sign-in. Then you can select your card from ‘Your Relations’ and proceed to block. Your card will be blocked instantly.
Unblock your card
If you’ve blocked your card in the past and want to use it again, you can unblock it by visiting our customer portal.
- Sign in to the ‘Service’ portal with your registered mobile number and OTP.
- Enter your date of birth for verification and proceed
- Go to ‘Service’
- Select your EMI card from ‘Your Relations’
- Click on ‘Unblock card’
- Verify with an OTP sent to your registered mobile number and proceed.
You can also click on the ‘Unblock your Insta EMI Card’ option below to sign-in. Then select your card from ‘Your Relations’ and proceed to unblock.
Your card will get unblocked, and you’ll receive a notification on your screen once you complete the process.
Access your Insta EMI Card digitally
Your Insta EMI Card is fully digital – you don’t need a physical card to shop at a store or on an e-commerce website.
All you have to do is to share your card number with our representative at a partner store or add its details while shopping online.
You can access your Insta EMI Card online by signing-in to Bajaj Finance service portal.
Check your Insta EMI Card number
You can check your card number by visiting our service portal.
- Sign-in with your registered mobile number, and the OTP.
- Verify your details using your date of birth and proceed
- Go to ‘Service’ and click on ‘Your Relations’.
- Select your EMI card number.
- Click on EMI Card Number eye icon
- Once you click on the eye icon, SIM Binding/OTP Verification will be initiated
- Then, complete the DOB (as per PAN) verification
- You will be able to see the Unmasked EMI Card Number
You can only view the EMI card details via Bajaj App
Where to use your EMI Card
You can use your EMI Card to shop for 1 million+ products – from groceries to smartphones, laptops, electronics, home appliances, and more. The card gives you the option to split your bills over flexible tenures of 3 months to 60 months and convert your purchases into easy EMIs.
Use your Insta EMI Card to shop for your favourite products across the following:
Bajaj Mall
Choose from your favourite gadgets, electronics, home appliances, or lifestyle products on Bajaj Mall with your Insta EMI Card.
Use your mobile number and OTP to sign-in to Bajaj Mall. Choose your favourite product, select the EMI plan, and confirm your delivery address. Once you complete your purchase, you will receive your product within the committed timeline.
Leading E-commerce websites
Visit your preferred online shopping website like Amazon, MakeMyTrip, Vijay Sales, and others and shop on No Cost EMIs. Select the product, choose to pay on EMIs, select your tenure, and convert your purchase into bite-sized instalments.
Offline partner stores
Our Insta EMI Card is accepted across more than 1.5 lakh partner stores in more than 3,000 cities. Walk into any of our partner stores, choose your product, and avail of the best EMI schemes.
Nominal annual fees
You don’t have to pay any additional/nominal or annual fee to keep your Insta EMI Card active. Even if you have not used the card for a long time, your card will remain active until the end of the validity period (i.e. the 'Valid Till’ date) mentioned on your card.
Resolve Other Loan Issues & Service Requests
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Frequently Asked Questions
Card Management
Overdue EMI & Repayment
How do I manage my Insta EMI Card through My Account?
Log in to My Account or the Bajaj Finance app using your registered mobile number and OTP. Select your Insta EMI Card from the 'Your relations' section to view details, check your status, download statements, or manage other card-related services.
Can I check my available Insta EMI Card limit online?
Yes, log in to My Account or the Bajaj Finance app, select your Insta EMI Card, and view your total loan offer amount along with your available and utilised limit. This gives you a clear picture before making your next purchase.
How do I block my Insta EMI Card if it is lost or misused?
Log in to My Account or the app and use the block card option under your card details. For urgent cases, you can also contact Bajaj Finance customer care immediately to report the issue and block your card without delay.
What happens if my Insta EMI Card EMI is overdue?
An overdue EMI may attract bounce charges and penal interest, as specified in your loan agreement. Your account may also be flagged as overdue, and continued non-payment can lead to further charges and recovery action if not resolved promptly.
How can I clear overdue EMIs on my Insta EMI Card?
Log in to My Account or the Bajaj Finance app, go to your card's loan account, and select the option to pay the overdue amount. Complete the payment using your preferred method to clear the dues and avoid further charges.
Will an overdue EMI on my card affect my credit score?
Yes, an overdue EMI that remains unpaid can be reported to credit bureaus and may lower your credit score. Clearing the overdue amount promptly helps limit the impact and supports a healthier repayment record over time.
Disclaimer
While care is taken to update the information, products, and services included in or available on our website and related platforms/websites, there may be inadvertent inaccuracies or typographical errors or delays in updating the information. The material contained in this site, and on associated web pages, is for reference and general information purpose and the details mentioned in the respective product/service document shall prevail in case of any inconsistency. Subscribers and users should seek professional advice before acting on the basis of the information contained herein. Please take an informed decision with respect to any product or service after going through the relevant product/service document and applicable terms and conditions. In case any inconsistencies observed, please click on reach us.
*Terms and conditions apply.