How to shop on Amazon without a credit card

Shop from your favourite brands at Amazon on No Cost EMI with Insta EMI Card and maximise your shopping experience.
How to shop on Amazon without a credit card
2 min read
12 Apr 2022

The digital realm has redefined the way we shop, and Amazon has emerged as the epitome of convenient and diverse online shopping. While many avid shoppers have their credit cards at the ready, not everyone is comfortable with or eligible for this payment method. Enter the Bajaj Finserv Insta EMI Card, a game-changing solution that empowers you to indulge in Amazon's offerings without the need for a credit card. In this article, we will delve into the mechanics of shopping on Amazon without using a credit card, all thanks to the Insta EMI Card.

What is No Cost EMI on Amazon?

Before we delve into the innovative solution of the Insta EMI Card, let us first understand the concept of No Cost EMI. This financial feature allows you to distribute the cost of your purchase into equal monthly instalments, without incurring any additional interest. It is like having the flexibility of a credit card but without the interest payments. While usual credit cards are still a convenience with their pay-later facility, what if you do not have one or prefer not to use it? This is where the Bajaj Finserv Insta EMI Card shines, bringing the advantages of No Cost EMI to those who choose not to use their credit cards.

Benefits of using the Insta EMI Card on Amazon

  • No credit card required: The primary benefit of the Insta EMI Card is that it liberates you from dependency on a credit card. Whether you are new to the world of credit or simply prefer alternative payment methods, this card provides an avenue to shop online with ease.

  • Flexible repayment options: The Insta EMI Card offers a spectrum of repayment plans, ranging from 1 to 60 months allowing you to choose a tenure that aligns with your financial comfort. This flexibility empowers you to plan your expenses more efficiently.

  • Zero or minimal down payment: Some purchases on Amazon may allow you to make little to no down payment when using the Insta EMI Card, ensuring you can acquire your desired products without straining your immediate finances.

  • No hidden costs: Transparency is paramount, and the Insta EMI Card ensures that you will not be caught off guard by hidden charges or unexpected fees. What you see is what you pay.

  • Diverse product range: The Insta EMI Card is not restricted to specific categories. Whether you are eyeing electronics, fashion, appliances, or more, this card opens the door to a diverse array of products on Amazon.

How to use the Bajaj Finserv Insta EMI Card on Amazon:

Navigating the process of utilising the Insta EMI Card on Amazon is remarkably simple. Here is a step-by-step guide to walk you through the process:

  1. Select your item: Explore Amazon's extensive collection and choose the product that has captured your interest. Be sure to identify the No Cost EMI option for the selected product.

  2. Opt for Insta EMI Card: As you proceed to checkout, you will encounter the option to pay in EMI. Here, select the Bajaj Finserv Insta EMI Card as your preferred mode of payment.

  3. Choose your preferred tenure: After entering the requested Insta EMI Card details, choose a flexible repayment tenure of your choice and proceed.

  4. Verification and finalisation: Upon approval of your application, verify the details and confirm your purchase with an OTP. With these steps completed, finalise your transaction, and voilà—your order is successfully placed.

Latest Amazon products you can but on No Cost EMIs

As mentioned, the Bajaj Finserv Insta EMI Card benefits include the ability to purchase the latest products available on Amazon on No Cost EMIs. The latest categories of products that can be yours on are listed below:

Product category

Products included



OnePlus 10T 5G (Jade Green, 8GB RAM, 128GB Storage)

OnePlus 10 Pro 5G (Volcanic Black, 12GB RAM, 256GB Storage)

Rs. 49,999

Rs. 66,999 


692L Curd Maestro™ Side By Side Refrigerator RS72A50K1B4

Samsung 865L 4-Door Flex French Door BESPOKE Family HubTM Refrigerator RF87A9770SG (Black Caviar)

Rs. 1,02,900 

Rs. 3,19,999


HP Pavilion Laptop 14-ec1019AU

2021 Apple MacBook Pro (14-inch/35.97 cm, Apple M1 Pro chip with 8 core CPU and 14 core GPU, 16GB RAM, 512GB SSD) - Silver 

Rs. 60,999

Rs. 1,94,900


Redmi Smart TV 4K Ultra HD X series 

Samsung 138 cm (55 inches) 4K Ultra HD Smart LED TV UA55BU8570ULXL (Black)

Rs. 26,999

Rs. 69,989

Air Conditioners 

LG LS-Q18YNZA 1.5 Ton 5 Star Inverter Split AC

Panasonic 1 Ton 3 Star Inverter Split Air Conditioner (Copper, PM 2.5 Air Purification, 2022 Model, CS/CU-RU12XKYA, White)

Rs. 41,490

Rs. 32,490 

Features of the Insta EMI Card

The Insta EMI Card comes equipped with a range of features that elevate your shopping experience:

  1. Instant approval: True to its name, the Insta EMI Card offers swift approval, ensuring minimal delays in your shopping endeavours.

  2. Preapproved limit: Based on your creditworthiness and financial history, the Insta EMI Card offers a preapproved credit limit of up to Rs. 3 lakh.

  3. Digital accessibility: Embrace the digital age with your Insta EMI Card details accessible in digital format. This facilitates easy access and usage for your online transactions.

  4. Enhanced security: Bajaj Finserv prioritises the security of your transactions. Rest assured that your financial information is well guarded throughout the process.

  5. Effortless repayment: Clearing your EMI amounts becomes a breeze with various online modes of repayment, eliminating any unnecessary complications.

Insta EMI Card features and benefits

Eligibility criteria for the Insta EMI Card

To harness the potential of the Insta EMI Card for your Amazon shopping sprees, you need to meet specific eligibility prerequisites:

  1. Indian citizenship: You must be an Indian citizen to qualify.

  2. Age bracket: Your age should fall within the range of 21 years to 65 years.

  3. Stable income source: Demonstrating a stable source of income is crucial for eligibility.

  4. Document verification: As with any financial transaction, you will need to provide the necessary documents for verification.

Eligibility criteria and documents required for getting the Insta EMI Card


In a world where convenience is crucial, the Bajaj Finserv Insta EMI Card emerges as a beacon of accessible online shopping. The partnership between this innovative financial solution and Amazon's vast marketplace ensures that individuals without credit cards, or those who prefer alternative methods, can partake in the joy of seamless online retail therapy. With its user-friendly application process, swift approvals, and versatile repayment options, the Insta EMI Card can be used by many. So, the next time you find yourself yearning for that latest gadget or trendy attire on Amazon, remember that the power to shop without a credit card rests comfortably in your hands, all thanks to the Bajaj Finserv Insta EMI Card.

Consequent to directive received from Reserve Bank of India, Bajaj Finance Limited has temporarily suspended issuance, sanction and Disbursal under it's online loan products "ECom" and "Insta EMI card". However, you can walk-in to any of our offline partner stores and get your product financed. Refer to the detailed FAQ on our website for further queries.


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 are observed, please click on reach us.

*Terms and conditions apply

Frequently asked questions

How do No Cost EMIs work on Amazon?

No Cost EMIs on Amazon allow you to split your payment into equal instalments without additional interest, making high-value purchases affordable over time.

How to buy things from Amazon using Bajaj EMI card?

Select your desired item on Amazon, opt for EMI payment, choose Bajaj EMI Card, apply if needed, verify, and finalise the transaction for seamless shopping.

How can I get the best offers on Amazon with the Bajaj Finserv Insta EMI Card?

Utilise the Bajaj Finserv Insta EMI Card during checkout to access No Cost EMI options, zero down payments, and transparent repayment plans for optimal savings.

Can I decide on the repayment tenure if I buy a product on No Cost EMI on Amazon?

Yes, you can choose a repayment tenure that suits your budget and preferences when purchasing a product on No Cost EMI on Amazon.

Will I have to pay any interest amount if I buy a product on No Cost EMI on Amazon?

No, No Cost EMI means you will not be charged any additional interest, ensuring transparent and affordable instalment payments.

Is EMI better than full payment to purchase a product on Amazon?

EMI offers the flexibility to distribute payments over time, making higher-priced items more accessible, whereas full payment provides immediate ownership and avoids instalment commitments. Choose based on your financial comfort and needs.

What products can I buy on Amazon using the Insta EMI Card?

The Insta EMI Card on Amazon enables you to purchase a wide range of products including electronics, appliances, gadgets, home essentials, and more. It offers the flexibility to convert your purchases into EMIs, making high-value items more affordable over time.

How can I get a No Cost EMI payment option on Amazon?

To avail of the No Cost EMI payment option on Amazon, select eligible products and choose the EMI option during checkout. Ensure that the chosen product, seller, and tenure qualify for the No Cost EMI facility. This option allows you to spread the cost over instalments without incurring additional interest.

Can I buy clothes on Amazon with Bajaj EMI card?

Yes, you can buy clothes on Amazon using the Bajaj EMI Card. It provides a convenient way to convert clothing purchases into manageable EMIs. Select the Bajaj EMI Card option during payment and choose your preferred EMI plan, making fashion shopping more budget-friendly.

Show More Show Less