Croma Store - Shop Croma Products Without Credit Card

Shop smarter at Croma with Easy EMIs. Discover how an Insta EMI Card can make your tech dreams come true.
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Croma Store - How to Shop Croma Products on Easy EMI
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2 min
20 July 2023

Want to buy your dream gadget but don’t want to pay the full amount upfront? That’s 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're 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’ll 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’s 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 mobile number & OTP

What Are Easy EMIs & 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 ₹4,990
  • Convert it into EMIs over 6 months
  • Pay only around ₹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 Croma Products You Can Buy on EMI

Product

Price

Available From

Croma HE427 True Wireless Earbuds

₹1,999

Oct 2023

Croma CRSE030EPA016501 True Wireless Earbuds

₹1,199

Oct 2023

Croma CRLR084DCC290105 84L Mini Fridge

₹10,490

Oct 2023

Croma CREA300DJA259901 50W Bluetooth Speaker

₹4,990

Aug 2023

Croma SKI-4 1100 Watts Dry Iron

₹590

Sep 2023

Smart TVs, laptops, ACs & more

₹10,000 – ₹70,000+

Ongoing


Why Use Insta EMI Card at Croma?

Here’s how shopping becomes smoother with the Insta EMI Card:

  • Shop from 1 million+ products across India
  • Repay in flexible tenures of 3 to 60 months
  • Get up to ₹3 lakh pre-approved limit
  • Enjoy zero down payment on select items
  • Get special discounts & cashback
  • Online & offline shopping made seamless

Explore Flexible repayment tenures

Only 2 steps to check your eligibility

Insta EMI Card
Insta EMI Card

Step-by-Step: How to Shop at Croma Using Insta EMI Card

Shopping at Croma using the Insta EMI Card is super simple:

  1. Walk into any Croma store
  2. Choose the product you want
  3. At the billing counter, opt for Bajaj Finserv Insta EMI Card as payment
  4. Select the EMI tenure (from 3 to 60 months)
  5. Confirm your mobile number & OTP
  6. Take your product home – pay later!

Prefer online shopping? You can use the Insta EMI Card on Croma’s website too.

Example: Buying a Refrigerator with Insta EMI Card

Let’s say you want to buy a Croma 183L Single Door Refrigerator worth ₹12,990.

If you use the Insta EMI Card:

  • No need to pay the full amount upfront
  • Select a 6-month EMI plan
  • Pay ~₹2,165/month (approx.)
  • Zero cost EMI available on select models

With Zero down payment, you can take it home today!

Enter your mobile number to check your offer

How to Get the Bajaj Finserv Insta EMI Card Online

Don’t have the card yet? Apply in minutes:

  1. Click “Apply Now” on the Bajaj Finserv Insta EMI Card page
  2. Enter your 10-digit mobile number & verify with OTP
  3. Fill in basic details (name, PAN, DOB, pin code)
  4. Select employment type & gender
  5. Submit to view your pre-approved limit
  6. Verify KYC using Aadhaar or DigiLocker
  7. Pay one-time joining fee of ₹530 (incl. taxes)
  8. Set up e-mandate by entering your bank details

Your card gets activated instantly. Start shopping right away!

Check your eligibility in 2 clicks

Final Thoughts: Make Every Purchase Count

Tech upgrades don’t 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 Store

Croma offers a wide range of top products, including smart TVs, laptops, smartphones, home appliances, and kitchen gadgets. Their quality electronics come with excellent customer service and warranty options.

Croma TV

Croma washing machine

Croma air conditioner

Croma laptop

Croma TV 32 inch

Croma refrigerator

Croma AC 1.5 Ton

Croma speakers

Croma mobile

Croma power bank

 

 

 

List of top Croma Stores by location

Croma Nagpur

Croma Pune

Croma Agra

Croma Surat

Croma Thane

Croma Gurgaon

Croma Ahmedabad

Croma Jaipur

Croma Hyderabad

Croma Vadodara

Croma Coimbatore

Croma Kolkata

Croma Chennai

Croma Amravati

Croma Lucknow

Croma Indore

Croma Jamnagar

Croma Mumbai

Croma Bangalore

Croma Dehradun

Croma Nashik

Croma Udaipur

Croma Vijayawada

Croma Kota

Croma Ulhasnagar

Croma Visakhapatnam

Croma Jamshedpur

Croma Ludhiana

Croma Aurangabad

Croma Ujjain

Croma Patna

Croma Gwalior

 

 

Other products and services on Easy EMI

Arcee Electronics

Faith Computers

Big C Mobiles

Bajaj Electronics online shopping

Devi International online shopping

Sagar Computer

Adishwar Electronics

Agarwal Computer

Libra Infotech

Great Eastern Retail

Electronics Paradise

Mishra 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.

Frequently asked questions

Does the Croma online store accept 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 EMI?

Yes, you can purchase Croma products on EMI 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, which allows you to split the cost of your purchase into easy EMIs 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 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 criteria include being an Indian national between the ages of 21 years and 65 years with a regular income source and a solid credit score. 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 1 month 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 1 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 1 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 (1 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 1 to 60 months, and Easy EMI options on products. Specific offers may impose transaction limits or minimum purchase amounts.

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