How to use the Insta EMI Card to shop on Flipkart

Shop from your favorite brands at Flipkart with Insta EMI Card and maximise your shopping experience.
How to use the Insta EMI Card to shop on Flipkart
3 Min
20 May’2023

Flipkart is one of India’s leading e-commerce site that offers a wide range of products such as TVs, ACs, smartphones, washing machines, and other lifestyle products. To make these purchases more convenient, Flipkart has partnered with the Bajaj Finserv EMI Network to offer products on No Cost EMIs. You can use the Bajaj Finserv Insta EMI Card to shop for over 4 lakh products on Flipkart.

What is No Cost EMI on Flipkart?

In simple words, No Cost EMI means interest-free EMIs. For instance, you buy an iPhone worth Rs. 1 lakh. Considering, it is not a cheap purchase, you might want to use an EMI option. In the usual scenario, you would use a credit card to convert the cost into EMI. On credit cards, you will pay interest on your principal amount, which gets added to your monthly EMIs. Essentially, your EMI will include the interest as well.

With the No Cost EMI, there is zero interest. So, if you buy the iPhone with a No Cost EMI payment option, the monthly EMIs will only include the product cost. With the No Cost EMI option, like Insta EMI Card, there is no interest involved. Use Bajaj Finserv Insta EMI Card on Flipkart for its No Cost EMI option that helps you buy any products without paying a full amount.

Benefits of using the Insta EMI Card on Flipkart

The card makes it easy for you to own your favourite gadgets, appliances, furniture, equipment, and other expensive products even if you do not have immediate cash. You can even use the card for your travel expenses. With the Insta EMI Card, you can buy almost all products on No Cost EMIs.

  • Interest-free EMIs
  • Special discounts
  • Cashback
  • Zero down payment on select products
  • Convenience to use on leading e-commerce sites
  • Convenience to use in almost all leading retail stores
  • Convenience to use it on travel sites for flights, hotels, packages

Products you can buy on Flipkart on No Cost EMI

Flipkart offers a diverse array of products to cater to various needs. From electronics to fashion, home essentials to books, the platform provides a one-stop shopping experience. Shoppers can explore an extensive collection of smartphones, laptops, and gadgets, along with trendy clothing, footwear, and accessories. Here is a list of products offered by Flipkart, most of which may be available on No Cost EMIs:




Smartphones, laptops, cameras, headphones, smartwatches


Clothing, footwear, accessories, jewelry

Home essentials

Kitchen appliances, home decor, furniture, bedding


Novels, textbooks, self-help books, magazines

Beauty products

Skincare, makeup, grooming essentials

Toys and games

Board games, puzzles, action figures


Washing machines, refrigerators, air conditioners

Sports and fitness

Sports equipment, gym accessories, activewear


Car accessories, bike gear, navigation systems

Baby and kids

Clothing, toys, baby care products


Pantry essentials, snacks, beverages


Sofas, beds, tables, chairs, storage solutions


Pens, notebooks, office supplies

Pet supplies

Pet food, accessories, grooming products

How to use the Bajaj Finserv Insta EMI Card on Flipkart?

Follow the below-mentioned steps to shop on No Cost EMI on Flipkart:

  • Select the product you wish to buy
  • Click on ‘buy now’ and proceed to pay
  • On the payment page, choose Bajaj Finserv No Cost EMI as your preferred payment method
  • Choose a convenient repayment tenure
  • Fill your Insta EMI Card details and complete your purchase by submitting the OTP sent to your registered mobile number

Apply for the Insta EMI Card

Features of the Insta EMI Card

  • Pre-approved card limit of up to 3 lakh
  • 1 million+ products on No Cost EMIs
  • Hassle-free online and offline shopping
  • Zero down payment on select products
  • Free home delivery and door-step demo for select products
  • Flexible repayment tenure of up to 60 months
  • Nil foreclosure charges
  • Easily accessible via the Bajaj Finserv app

Insta EMI Card Features

Eligibility criteria for the Insta EMI Card

The following are the eligibility criteria for the Bajaj Finserv Insta EMI Card.




21 years to 65 years




A regular source of income


720 or above

Eligibility and documents required for the Insta EMI Card

In conclusion, utilising the Insta EMI Card to shop on Flipkart offers you a seamless and convenient experience. The process involves a few simple steps, from selecting the desired product to choosing the EMI payment option at checkout. This innovative solution empowers shoppers to make purchases without the burden of immediate full payment, spreading the cost over manageable installments. With competitive interest rates and flexible tenure options, the Insta EMI Card enhances affordability and financial flexibility. By combining Flipkart's wide range of products and the Insta EMI Card's user-friendly features, you can embark on a journey of hassle-free and budget-conscious online shopping.


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.

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Frequently asked questions

How do No Cost EMIs work on Flipkart?

With the No Cost EMI facility, you can purchase your favourite products from Flipkart on interest-free EMIs. All you have to do is. Pay using your Insta EMI Card details.

Who can avail of No Cost EMIs on Flipkart?

The No Cost EMI feature on Flipkart is available to all Bajaj Finserv Insta EMI Card holders. You can get best deals on the e-commerce website with the Insta EMI Card.

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

Using the Insta EMI Card on Flipkart, you can buy almost everything on No Cost EMI. From electronics to furniture, home appliances to sports equipment, apparel to furnishings, gadgets, and much more.

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

Get an Insta EMI Card to avail of No Cost EMI on Flipkart. The card lets you shop for all kinds of products on convenient EMIs extended over a 60 months tenure.

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

Yes. From time to time, you can avail of exclusive offers like zero down payment, cashback, discounts, and other deals. The offers keep changing, so you will need to check for the current offers on Flipkart’s website.

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

Yes. You have the freedom to choose a repayment tenure if you shop using your Insta EMI Card on Flipkart. The Bajaj Finserv Insta EMI Card offers a repayment tenure of 1 to 60 months. Choose the EMI tenure on the payment page after you have filled in your card details.

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

No Cost EMI means zero interest. So, when you shop on Flipkart using the Insta EMI Card, the EMIs be calculated for the amount consumed only.

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

No Cost EMIs are a great option to pay for expensive products if you cannot afford the cost in full. You can put your product purchase on the No Cost EMI option offered by Bajaj Finserv Insta EMI Card and pay in interest-free EMIs.

What merchant categories can the EMI Card be used for?

You can use the Insta EMI Card to shop from merchants across various other 1.5 lakh+ online and offline partner stores like

How to buy product from Flipkart on EMI without credit card?

To purchase a product from Flipkart on EMI without a credit card, you can utilize the Insta EMI card. First, check your eligibility for the Insta EMI card, which typically requires certain criteria like a minimum income level. Once eligible, select the desired product on Flipkart and proceed to the payment options. Look for the Insta EMI Card option during checkout, and choose an EMI plan that suits your budget. Complete the necessary documentation, usually involving proof of identity, address, and income. Upon approval, the cost of the product will be divided into manageable monthly instalments, allowing you to enjoy your purchase without the need for a credit card.

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