2 min read
July 08, 2026

In summary

You can shop for over a million products using the Bajaj Finance Insta EMI Card, from electronics and appliances to groceries and clothing. The card lets you convert your purchases into Easy EMIs across 3 to 60 months.

  • Get a card loan offer of up to Rs. 3 lakh to cover purchases across a wide range of categories.
  • Shop at 1.5 lakh partner stores across 4,000 cities in India, both online and in-store.
  • Choose a repayment tenure across 3 to 60 months, based on what suits your monthly budget.
  • Pay a one-time joining fee of just Rs. 530 to activate your card.

Check your Insta EMI Card eligibility using your mobile number and OTP, and start shopping for your preferred products within minutes.

How do I apply for the Bajaj Finance Insta EMI Card?

Applying for the card takes only a few minutes and can be completed entirely online. Follow these steps:

  1. Enter your 10-digit mobile number and click on "GET IT NOW" on this page.
  2. Enter the OTP sent to your phone and submit it.
  3. Enter your full name and click on "Yes, Auto-Fetch Details".
  4. Verify your pre-filled personal details and click "CONTINUE".
  5. Check your pre-qualified card loan offer amount and click "CONTINUE".
  6. Review your wallet setup details and verify the OTP.
  7. Complete identity verification by confirming your current residential address.
  8. Pay the one-time joining fee of Rs. 530, inclusive of applicable taxes.
  9. After successful payment, view your card details on the Bajaj Finance app.

Note: The process may differ slightly based on whether you are a new or an existing Bajaj Finance customer.

Also read: How to apply for the Insta EMI Card

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Insta EMI Card
Insta EMI Card

Offline application process

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

To get the Bajaj Finance Insta EMI Card offline, visit any Bajaj Finance 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.

Also read: Apply for Bajaj Finance Insta EMI Card

What are the eligibility criteria for the Bajaj Finance 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 Finance Insta EMI Card eligibility is simple, the Bajaj Finance 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 Finance risk policies.

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

What documents do I need to apply for the Bajaj Finance Insta EMI Card?

Here are the documents required to apply for a Bajaj Finance 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 Finance Insta EMI Card.

Also read: Get the Insta EMI Card with minimal documentation

What are the features and benefits of the Insta EMI Card?

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

Digital card that is easily accessible

The Bajaj Finance Insta EMI Card is a digital card that you can access via the Bajaj Finance 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.

Also read: 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 Finance 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.

Also read: 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.
For customer support, call Personal Loan IVR: 7757 000 000

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 Finance 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 Finance Insta EMI Card?

To unblock a Bajaj Finance 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 Finance Insta EMI Card?

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

How to use Bajaj Finance EMI Insta Card?

The Bajaj Finance 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 Finance Insta EMI Card?

You can use the Bajaj Finance 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 Finance Insta EMI Card?

To activate a Bajaj Finance 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 Finance Insta EMI Card?

To cancel a Bajaj Finance 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 Finance Insta EMI Card for online shopping?

To activate your Bajaj Finance 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 Finance 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.

Can I use the Insta EMI Card for laptop purchases?

Yes, you can use the Insta EMI Card to purchase laptops on Easy EMIs. We have partnered with leading electronics retailers and e-commerce platforms across India, offering you access to a wide range of laptops and accessories. Simply use your Insta EMI Card at checkout and select your preferred repayment tenure.

Can I use the Insta EMI Card on Amazon and Flipkart?

Yes, you can use the Insta EMI Card on leading e-commerce platforms, including Amazon and Flipkart, to shop on Easy EMIs. Simply select the Bajaj Finance EMI option at checkout and use your Insta EMI Card details to complete the transaction and choose your preferred repayment tenure.

Can I use the Insta EMI Card for travel and hotel bookings?

The Insta EMI Card is primarily designed for shopping at our partner stores across electronics, appliances, furniture, and lifestyle categories. It may not be accepted for travel and hotel bookings. We recommend checking our partner store network beforehand to confirm whether your preferred travel or hospitality brand is listed as a partner.

How can I track my EMI payments on the Insta EMI Card?

You can track your Insta EMI Card payments easily by logging in to your account on our official website or mobile app. Navigate to your loan account and select the payment history or statement section to review all your transactions, due dates, and outstanding EMI amounts in one place.

Does using the Insta EMI Card affect my credit score?

Yes, using the Insta EMI Card can affect your credit score, both positively and negatively. Making timely EMI payments consistently helps build a strong repayment history, which improves your CIBIL score over time. However, missing payments or defaulting on EMIs can negatively impact your credit profile and reduce your score.

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