Shop at Croma Stores on Affordable EMIs with the Bajaj Finserv Insta EMI Card

Buy your electronics at Croma stores on affordable EMIs without needing a credit card. Use the Bajaj Finserv Insta EMI Card for quick approval, Easy EMIs, and affordable monthly payments.
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Shop at Croma Stores on Affordable EMIs with the Bajaj Finserv Insta EMI Card
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2 min
12-March-2026

Want to buy your dream gadget but do not want to pay the full amount upfront? That is where the Bajaj Finserv Insta EMI Card steps in. You can shop at your nearest Croma store and take home appliances, gadgets, and more — all on Easy EMIs. No credit card needed, no heavy paperwork.

Whether you are eyeing a fridge, smart TV, wireless earbuds, or even a Bluetooth speaker, the Insta EMI Card makes shopping easy and affordable.


What makes Croma a shopper’s paradise?

Croma is known for its wide range of tech and home appliances. You will find everything from:

  • Smartphones and laptops
  • Refrigerators and washing machines
  • Smart TVs and soundbars
  • Gaming consoles and accessories
  • Home and kitchen appliances
  • Personal grooming gadgets

With so many exciting products under one roof, it is easy to overspend. But not if you use the Insta EMI Card — it lets you pay in monthly instalments with zero stress.


Check your pre-qualified card loan offer in just 2 clicks – enter your mobile number and OTP


What are Easy EMIs and why do they matter?

Easy EMIs break down your total shopping bill into smaller, manageable payments. No need to worry about large upfront costs. For example:

  • Buy a Bluetooth speaker worth Rs. 4,990
  • Convert it into EMIs over 6 months
  • Pay only around Rs. 832/month (excluding any processing fee)

Use the EMI Calculator to plan your monthly budget with ease.

This means you can take home what you need today and pay for it comfortably over time.


Popular products you can buy from Croma on EMIs

ProductPrice
Croma HE427 True Wireless EarbudsRs. 1,999
Croma CRSE030EPA016501 True Wireless EarbudsRs. 1,199
Croma CRLR084DCC290105 84L Mini FridgeRs. 10,490
Croma CREA300DJA259901 50W Bluetooth SpeakerRs. 4,990
Croma SKI-4 1100 Watts Dry IronRs. 590
Smart TVs, laptops, ACs, and moreRs. 10,000 – Rs. 70,000+


Why use the Insta EMI Card at Croma?

Here is how shopping becomes smoother with the Insta EMI Card:

  • Shop from over 1 million products across India
  • Repay in flexible tenures of 3 to 60 months
  • Get up to Rs. 3 lakh pre-approved loan offer amount
  • Enjoy zero down payment on select items
  • Get special discounts and cashback
  • Online and offline shopping made seamless

Only 2 steps to check your eligibility

How to use the Insta EMI Card at Croma

Using your Insta EMI Card at Croma is easy:

  • Select the items you wish to purchase and proceed to checkout.
  • Inform the cashier that you will be using the Bajaj Finserv Insta EMI Card.
  • Provide your card details.
  • Choose a repayment tenure that suits your budget, ranging from 3 to 60 months.
  • The purchase amount will be divided into EMIs, with options for zero down payment during special offers.

Also read: How to use the Bajaj Insta EMI Card


Benefits of using the Insta EMI Card at Croma

FeatureDetails
Easy EMIsSplit the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly.
High pre-qualified limitGet up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress.
Wide acceptance networkAccepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.
Flexible repayment tenureChoose a repayment period from 3 to 60 months months based on your financial comfort.
Zero down payment offersAvail special festive deals with no upfront payment requirement.
No foreclosure chargesClose your loan early without any penalties or extra fees.
Credit score benefitTimely EMI payments may help strengthen your credit profile and financial health.

Also read: Features and benefits of the Bajaj Finserv Insta EMI Card


Eligibility criteria for the Insta EMI Card

  • Nationality: Indian Citizen.
  • Age: 21 years to 65 years.
  • Credit score: A healthy credit score per Bajaj Finserv policies.
  • Income: A steady, regular source of income.
  • Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.

Also read: Eligibility criteria for the Insta EMI Card


How to apply for an Insta EMI Card

  • Verify mobile number: Enter your 10-digit mobile number and verify the OTP sent to your phone to initiate the process.
  • Auto-fetch details: Provide your full name and select the option to auto-fetch your details for a faster application experience.
  • Confirm information: Verify your pre-filled personal details carefully and click on the continue button to move to the next stage.
  • Check offer: Review your pre-qualified card loan offer amount and select continue to proceed with the specified credit limit.
  • Set up wallet: Review your wallet setup details and verify the security OTP to integrate the card with your account.
  • Verify identity: Complete your identity verification process by confirming your current residential address as per the required official records.
  • Pay fee: Make the mandatory one-time joining fee payment of Rs. 530/- through the secure digital payment gateway provided.
  • View card: Access and view your new digital card details instantly on the Bajaj Finserv application after the successful payment.

Also read: How to apply for the Insta EMI Card


Make every purchase count

Tech upgrades do not have to wait for payday. With the Bajaj Finserv Insta EMI Card, you can turn your wishlist into reality — without any financial stress.

From wireless earbuds to big-screen TVs, shop smarter at Croma using Easy EMIs.

Apply now and enjoy Easy EMIs on over 1 million products!

 

Top products from Croma stores

Croma Power BankCroma TVCroma Air Conditioner
Croma LaptopCroma TV 32-InchCroma Refrigerator
Croma AC-1.5 TonCroma SpeakersCroma Mobile

List of top Croma stores by locations

Croma GwaliorCroma NagpurCroma Pune
Croma SuratCroma ThaneCroma Gurgaon
Croma AhmedabadCroma JaipurCroma Hyderabad
Croma VadodaraCroma CoimbatoreCroma Kolkata
Croma ChennaiCroma AmravatiCroma Lucknow
Croma IndoreCroma JamnagarCroma Mumbai
Croma BangaloreCroma DehradunCroma Nashik
Croma UdaipurCroma VijayawadaCroma Kota
Croma UlhasnagarCroma VisakhapatnamCroma Jamshedpur
Croma LudhianaCroma AurangabadCroma Ujjain
Croma PatnaCroma Agra 


Other products and services on Easy EMIs

Arcee ElectronicsFaith ComputersBig C Mobiles
Bajaj Electronics online shoppingDevi International online shoppingSagar Computer
Adishwar ElectronicsAgarwal ComputerLibra Infotech
Great Eastern RetailElectronics ParadiseMishra Computers

Bajaj Finserv app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finserv App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finserv App to:

  • Apply for loans online, such as Instant Personal Loan, Home Loan, Business Loan, Gold Loan, and more.
  • Invest in fixed deposits and mutual funds on the app.
  • Choose from multiple insurance for your health, motor and even pocket insurance, from various insurance providers.
  • Pay and manage your bills and recharges using the BBPS platform. Use Bajaj Pay and Bajaj Wallet for quick and simple money transfers and transactions.
  • Apply for Insta EMI Card and get a pre-qualified limit on the app. Explore over 1 million products on the app that can be purchased from a partner store on Easy EMIs.
  • Shop from over 100+ brand partners that offer a diverse range of products and services.
  • Use specialised tools like EMI calculators, SIP Calculators
  • Check your credit score, download loan statements and even get quick customer support—all on the app.

Download the Bajaj Finserv App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finserv App!

UPI, Wallet, Loans, Investments, Cards, Shopping and more

GET THE APP

Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.
For customer support, call Personal Loan IVR: 7757 000 000

Frequently asked questions

Does the Croma online store accept the Bajaj Insta EMI Card?

Yes, the Croma online store accepts the Bajaj Finserv Insta EMI Card. You can avail of the same benefits at their brick-and-mortar stores using the Insta EMI Card.

Can I get offers and discounts at Croma with the Insta EMI Card?

There are offers and discounts available quite often. You should always check the available discounts when you are at the Croma store.

Can I avail of the low-cost EMI option on Croma products?

Yes, you can avail of the low-cost EMI schemes at Croma store across a range of products with your Bajaj Finserv Insta EMI Card

When using the Insta EMI Card, are interest charges applied?

The Insta EMI Card is a low-cost EMI Card which means there is minimal interest applied to your EMIs.

Is there a place where I can buy Croma products on EMIs?

Yes, you can purchase Croma products on EMIs online from the official Croma website or from Croma stores across India using your Bajaj Finserv Insta EMI Card.

Do offline stores offer EMIs for Croma products?

Yes, brick-and-mortar Croma stores offer Croma products on EMIs when you shop with your Bajaj Finserv Insta EMI Card.

Are Croma products budget friendly?

Yes, you can shop for Croma products affordably with your Bajaj Finserv Insta EMI Card. This allows you to split the cost of your purchase into Easy EMIs that are payable across a tenure chosen by you.

Can I use my Bajaj Finserv Insta EMI Card to shop for Croma products online?

Yes, you can. Your Bajaj Finserv Insta EMI Card can be utilised on all major online platforms.

Can I use my Bajaj Finserv Insta EMI Card to shop for Croma products offline?

Yes, you can. Your Bajaj Finserv Insta EMI Card is widely accepted at over 1.5 lakh partner stores across 4,000 Indian cities, including Croma stores.

Are there any eligibility criteria to avail of Easy EMIs on Croma products?

Yes, there are eligibility criteria associated with acquiring a Bajaj Finserv Insta EMI Card that would allow you to avail of Easy EMIs on Croma products. These include being an Indian national between the ages of 21 years and 65 years with a regular income source and a solid credit score as per Bajaj Finserv policies. Applicants would also need to furnish valid documentation.

Can I choose the EMI tenure for my Croma product purchase?

When you use your Bajaj Finserv Insta EMI Card to purchase Croma products on EMIs, you can choose your own tenure. The options range from 3 to 60 months, so you can pick a repayment period that aligns with your monthly budget.

How do I use an Insta EMI Card to make purchases at Croma stores?

To use your Bajaj Finserv Insta EMI Card at Croma, select your product, choose the Insta EMI Card at checkout, and provide your card details. Select a repayment tenure from 3 to 60 months. Enjoy benefits like low-cost EMI, exclusive discounts, and zero down payment on select products.

Are there any special offers or discounts available when shopping at Croma with an Insta EMI Card?

Shopping at Croma with an Insta EMI Card offers several benefits, including Easy EMI options, exclusive discounts, and cashback offers. Cardholders can choose flexible repayment tenures from 3 to 60 months, enjoy zero down payment on select products, and access instant discounts during promotional periods.

What steps should I follow to apply for EMI financing using my Insta EMI Card at Croma?

To apply for EMI financing with your Bajaj Finserv Insta EMI Card at Croma, visit the store or website, select your product, choose the Insta EMI Card at checkout, enter your card details, select a repayment tenure (3 to 60 months), and confirm the transaction to complete your purchase.

Can I use my Insta EMI Card for both in-store and online purchases at Croma?

Yes, you can use your Insta EMI Card to shop on Croma’s online store and in brick-and-mortar stores as well.

Are there any eligibility criteria or limits for using the Insta EMI Card at Croma stores?

To use the Bajaj Finserv Insta EMI Card at Croma, it must be active and non-delinquent. Cardholders benefit from pre-qualified card loan limit of up to Rs. 3 lakh, flexible tenures of 3 to 60 months, and Easy EMI options on products. Specific offers may impose transaction limits or minimum purchase amounts.

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