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The Bajaj Finance EMI Network Card, also known as the Insta EMI Card, is a simple way to finance your purchases across categories such as furniture, home and kitchen appliances, clothing, groceries, and more. You can use it to shop your favourite products and split the cost into easy EMIs, over a tenure of up to 24 months. If you have applied for your card online, there is one important step before you can start using it freely: your first purchase.
Why your first purchase must be made offline
The Insta EMI Card is a 100% digital product with an end-to-end online application. Once you apply online and complete your mandate registration, your card gets activated. However, if you sourced your card digitally, your first purchase must be made at a partner store rather than online. This is because you need to submit a physical copy of your address proof in person, as part of completing your KYC verification. Once this offline purchase and verification are complete, your card is fully enabled for online shopping as well.
How to make your first purchase at a partner store
- Locate your nearest Bajaj Finance partner store using the store locator on the website or app
- Visit the store and inform the representative that you are making your first purchase with a digitally sourced EMI Network Card
- Submit a physical copy of your address proof to complete your KYC verification
- Select your product and confirm the purchase using your EMI Network Card
- Choose your preferred repayment tenure and complete the transaction
- Receive your loan agreement, which lists the applicable terms and conditions for your purchase
What happens after your first purchase
Once your offline purchase and KYC verification are complete, your EMI Network Card is ready for full use. You can then:
- Shop online at partner e-commerce platforms, such as Amazon and Flipkart
- Use your card at any of Bajaj Finance's partner stores across the country
- Manage your card, view your available limit, and track your EMIs through My Account or the Bajaj Finance app
- Set up or review your mandate to ensure your EMIs are deducted automatically each month
Tips for a smooth first purchase
- Carry a valid physical address proof, as this is required for your in-person KYC verification
- Check your card's available limit through My Account or the app before visiting the store
- Confirm your preferred repayment tenure in advance, so you can decide quickly at checkout
- Keep a copy of your loan agreement for your records after completing the purchase
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Frequently Asked Questions
First EMI Network Card Purchase Process
Card Usage After First Purchase
Why do I need to make my first EMI Network Card purchase offline?
If you applied for your card online, your first purchase must be made at a partner store so you can submit a physical address proof for KYC verification. Once this is done, your card is enabled for online shopping as well.
Can I use my EMI Network Card online before completing my first offline purchase?
No, if your card was sourced digitally, your first purchase needs to be made at a partner store to complete KYC verification. After this, you can use your card freely for both online and offline purchases.
What documents do I need for my first EMI Network Card purchase?
You need a physical copy of your address proof to complete your KYC verification in person at the partner store. Carrying a valid document ensures your purchase and verification go through smoothly.
Where can I find a Bajaj Finance partner store near me?
You can use the store locator on the Bajaj Finance website or app to find your nearest partner store. Bajaj Finance partner stores are available across more than 4,000 cities in India.
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