2 min read
27 March 2025

From premium electronics like smart TVs and the latest smartphones to everyday essentials like groceries and clothing, you can shop for over a million products using the Bajaj Finserv Insta EMI Card. Whether you're shopping online through Bajaj Mall or visiting a partner store in person, the Insta EMI Card lets you break down your total bill into easy, affordable monthly instalments. With minimal interest rates and no hidden charges, it helps you manage your expenses better. You might already be eligible – check your offers now by entering your mobile number and verifying it with an OTP.

Applying for the Insta EMI Card is simple and can be done online or offline. Once you get your card, enjoy access to exciting cashback offers and exclusive deals at over 1.5 lakh partner stores in more than 4,000 cities across India.

How to get Bajaj Finserv Insta EMI Card

You can apply for the Insta EMI Card through both online and offline methods:

Online application process

To apply online, visit the Insta EMI Card page and follow these steps:

  • Enter your mobile number and verify it with an OTP.

  • Fill in the form to know your pre-qualified card loan offer amount.

  • Complete the KYC verification.

  • Pay the one-time joining fee of Rs. 530/- and register the e-mandate.

  • You card will be activated for use.

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Insta EMI Card
Insta EMI Card

Offline application process

To get the Bajaj Finserv Insta EMI Card offline, all you need to do is opt for in-store financing at any of Bajaj Finserv’s partner stores like:

To get the Bajaj Finserv Insta EMI Card offline, visit any Bajaj Finserv partner store and opt for in-store financing while purchasing your desired product. The process is simple:

  • Visit a partner store: Choose your desired product.
  • Seek assistance: The store representative will guide you.
  • Submit documents: Provide basic KYC documents for verification.
  • Get your card: Once approved, access your Insta EMI Card through the Bajaj EMI Card App.

Apply for Bajaj Finserv Insta EMI Card

Eligibility criteria for the Bajaj Finserv Insta EMI Card

Before proceeding to apply, make sure that you meet the eligibility terms required to qualify for a Bajaj Insta EMI Card. Doing so ensures that you get access to Easy EMI facility without any hiccups. The Bajaj Finserv Insta EMI Card eligibility is simplethe Bajaj Finserv Insta EMI Card.

  • You should be between 21 years and 65 years of age.

  • You must have a regular source of income and a good CIBIL Score per Bajaj Finserv risk policies.

If you meet these terms, you can proceed to apply for the Bajaj Finserv Insta EMI Card. Wondering how you qualify? Check your eligibility now by entering your mobile number and verifying it with an OTP.

Documents required to apply for the Bajaj Finserv Insta EMI Card

Here are the documents required to apply for a Bajaj Finserv Insta EMI Card. This paperwork validates your eligibility for the EMI Network Card and so, is vital for the application process. Thus, keep the following documents handy when applying for a Bajaj Finserv Insta EMI Card.

Read more: Get the Insta EMI Card with minimal documentation

Features and benefits of the Insta EMI Card

Now that you know How to apply for Bajaj Finserv Insta EMI Card, understand the benefits that it offers given below.

Digital card that is easily accessible

The Bajaj Finserv Insta EMI Card is a digital card that you can access via the Bajaj Finserv App. This way, you don’t have to carry it around and worry about losing it.

Convert purchases into easy EMIs

Depending on what you shop for, you may have to shell out a significant portion of your income to pay for your purchases. To help you do this without overshooting your budget, Insta EMI Card allows you to repay the purchase price in easy EMIs.

Buy products on zero down payment

Flexible tenures for easy repayment

To keep your EMIs budget-friendly and repay on time, you can choose a flexible tenure ranging from 3 months to 60 months, per your convenience.

Zero foreclosure charges

Once you pay your first EMI, you need not pay any foreclosure charges, in case you want to repay the entire loan before the tenure ends. This way, you can get debt-free sooner at no additional cost!

Pre-qualified card loan limit of up to Rs. 3 lakh

The Insta EMI Card gives you a pre-qualified card loan limit of up to Rs. 3 lakh. You can use this to shop for any product from the EMI Network, which comprises 1.5 lakh+ partner stores present in over 4,000+ cities across the country.

Check your offer from Bajaj Finserv to view your tailor-made deal and enjoy quick approval. All you have to do is enter basic details such as your name and contact number. To make the most of the Insta EMI Card, apply for one without further ado. You might already be eligible – check your offers now by entering your mobile number and verifying it with a one-time password.

Read more: Check features and benefits of Insta EMI Card

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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

What are the benefits of having an EMI Card?

An EMI card offers benefits like easy access to credit, flexible repayment options, and the ability to make large purchases without immediate financial strain. It often comes with discounts, cashback, and offers on various products and services, enhancing your overall shopping experience.

Can I apply for an EMI Card online?

Yes, you can apply for the Bajaj Finserv Insta EMI card online. This convenient process usually involves filling the online form, submitting necessary details, and meeting eligibility criteria. By following just a few simple steps, you can apply for the EMI card with ease.

What are the eligibility criteria to apply for an EMI Card?

Eligibility criteria for an EMI card typically involve having a steady income source, a good credit score, and meeting age requirements. Your employment status and financial stability when assessing your application is also considered. Ready to check your eligibility? Enter your mobile number and verify it with an OTP to know more.

How to unblock Bajaj Finserv Insta EMI Card?

To unblock a Bajaj Finserv Insta EMI Card, log into the customer portal, verify your details, and select the "Unblock Card" option under "Quick Actions." Alternatively, contact customer care or resolve issues like missed payments or low credit scores to reactivate the card.

How to close Bajaj Finserv Insta EMI Card?

To close a Bajaj Finserv Insta EMI Card permanently, you can contact customer care or visit the nearest Bajaj Finserv branch. Ensure all dues are cleared before initiating the closure process.

How to use Bajaj Finserv EMI Insta Card?

The Bajaj Finserv Insta EMI Card allows you to purchase products on Easy EMIs at partner stores, both online and offline. It can be used for electronics, appliances, travel bookings, and more across India.

Where can I use Bajaj Finserv Insta EMI Card?

You can use the Bajaj Finserv Insta EMI Card at over 1.5 lakh partner outlets in 4,000+ cities across India for shopping on Easy EMIs. It covers categories like electronics, furniture, healthcare, and travel.

How to activate Bajaj Finserv Insta EMI Card?

To activate a Bajaj Finserv Insta EMI Card, log into the customer portal or mobile app, verify your details, and follow activation instructions. Ensure ECS mandates are active for smooth transactions.

How to cancel Bajaj Finserv Insta EMI Card?

To cancel a Bajaj Finserv Insta EMI Card, clear all outstanding dues and contact customer care or visit a branch to initiate the cancellation process. The card will be deactivated after verification.

How to activate Bajaj Finserv Insta EMI Card for online shopping?

To activate your Bajaj Finserv Insta EMI Card for online shopping, ensure it is active and linked to your account. Select the card as a payment option at checkout on partnered e-commerce platforms.

How to buy a phone on EMI without a credit card?

You can buy a phone on EMI without a credit card by using an EMI Network Card like Bajaj Finserv Insta EMI Card. This innovative financial solution offers a pre-qualified card loan offer amount of up to Rs. 3 lakh and flexible tenures extending up to 60 months along with zero foreclosure benefits. You might already be eligible for a substantial amount. Check your offers now by entering your mobile number and OTP for verification.

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