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Block or unblock your Insta EMI Card
Your Insta EMI Card is a great way to manage your purchases, but you may face a situation where you need to block your card.
If you don’t wish to use it for some time, you can block your card. In case you’re one of our old customers, and have misplaced your physical EMI Network Card, you can block it online.
In such a scenario, blocking your Insta EMI Card can help you prevent misuse or fraud. And you can do this by visiting our service portal. However, once your card is blocked, you won’t be able to use it to shop.
However, there are other scenarios due to which your Insta EMI Card might get blocked. These include non-payment of instalments, or a low CIBIL Score. In such a case, it will get unblocked once you clear your overdue EMIs or improve your credit score that meets our internal policies.
An SMS is sent to your registered mobile number to inform you about any change in the status of your card.
Block your card
You can block your card by visiting the service portal.
- Sign-in with your mobile number and the OTP.
- Enter your date of birth for verification and proceed.
- Go to ‘Service’
- Select your EMI card from 'Your Relations'
- Click on Manage Button
- Click on ‘Block Card’
- Enter the reasons for blocking and proceed.
You can also click on the ‘Block your Insta EMI Card’ option below to sign-in. Then you can select your card from ‘Relations’ and proceed to block. Your card will be blocked instantly.
Unblock your card
If you’ve blocked your card in the past and want to use it again, you can unblock it by visiting our service portal.
- Sign-in to the service portal with your registered mobile number and the OTP.
- Enter your date of birth for verification and proceed.
- Go to ‘Service.’
- Select your EMI card from 'Your Relations'
- Click on Manage Button
- Click on ‘Unblock Card.’
- Verify with an OTP sent to your registered mobile and proceed.
You can also click on the ‘Unblock your Insta EMI Card’ option below to sign-in. Then select your card from Your Relations and proceed to unblock.
Your card will get unblocked, and you’ll receive a notification on your screen once you complete the process.
Unblock your Insta EMI Card
If your Insta EMI Card is missing or stolen, it's important to block it so that no one can misuse your card. You can instantly block it online by visiting our service portal.
However, if you happen to find your missing card after a couple of days, you can unblock it by raising a request with us. Once you raise a request with us, our representative will reach out to you within 24 hours to guide you further. You might be asked complete your re-KYC to unblock your card.
You can also block your card if you don't wish to use it; all you need to do is sign-into our service portal. Once signed-in, select the card from 'Relations' that you want to block and click on 'Block Card'. You can enter your reason for blocking, verify with an OTP, and proceed to block the card.
In such a situation, if you decide to use your card again, you can unblock it online in an instant in service portal. However, if your card is blocked due to our internal policy, it will be unblocked only when you meet our eligibility criteria.
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Frequently Asked Questions
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Card Management
How do I block my Bajaj Finserv Insta EMI Card immediately?
Log in to the Bajaj Finance service portal, go to Relations, select your Insta EMI Card, and click on Block Card. Enter your reason for blocking, verify with an OTP, and confirm. The card is blocked instantly online without needing to visit a branch or call customer care.
How long does it take to unblock my Insta EMI Card?
If you blocked the card yourself and wish to unblock it, you can do so instantly through the Bajaj Finance service portal. If the card was blocked due to it being lost or stolen, raise a request online and a representative will contact you within 24 hours to guide you.
Can I block and unblock my EMI Card multiple times?
Yes. If you have blocked your Insta EMI Card yourself through the service portal, you can unblock it online instantly when you wish to use it again. However, if the card is blocked due to Bajaj Finance's internal policy, it can only be unblocked when you meet the eligibility criteria.
What should I do if my Insta EMI Card is lost or stolen?
Block your Insta EMI Card immediately by logging in to the Bajaj Finance service portal to prevent misuse. Once blocked, raise an unblock request if you recover the card later. A Bajaj Finance representative will contact you within 24 hours and may ask you to complete re-KYC before unblocking.
Can I unblock my Insta EMI Card without visiting a Bajaj Finserv branch?
Yes. If you blocked the card yourself, you can unblock it instantly through the Bajaj Finance service portal without visiting a branch. If the card was blocked after being reported lost or stolen, raise an online request and a representative will guide you through the process within 24 hours.
Why is my Insta EMI Card blocked due to credit policy?
Bajaj Finance may block your Insta EMI Card if your account does not meet its internal eligibility criteria. This can include overdue EMIs, a significant drop in your CIBIL score, or other credit-related factors. The card will be unblocked only when you meet the applicable eligibility criteria again.
How do I unblock my EMI Card blocked due to overdue EMIs?
Clear your overdue EMIs by logging in to My Account on the Bajaj Finance website or app. Once dues are cleared, contact Bajaj Finance customer care at 8698 010 101 to request a review of your card status. Unblocking is subject to Bajaj Finance's eligibility assessment at that point.
Will my EMI Card automatically unblock after I clear overdue EMIs?
No. Clearing overdue EMIs does not automatically unblock your Insta EMI Card. Unblocking is subject to Bajaj Finance's internal eligibility assessment. After clearing your dues, contact Bajaj Finance customer care to request a review of your card status and understand the next steps for reinstatement.
How long does it take to unblock EMI Card after overdue payment?
There is no standard timeline for unblocking an Insta EMI Card after overdue payment, as the process is subject to Bajaj Finance's internal eligibility assessment. After clearing your dues, contact Bajaj Finance customer care at 8698 010 101 for an update on your card status and expected timeline.
Can I use my EMI Card for new purchases while it's temporarily blocked?
No. A blocked Insta EMI Card cannot be used for new purchases at any merchant, whether online or in store, until it is unblocked. Once the card is unblocked through the service portal or after a representative confirms reinstatement, you can resume using it for eligible purchases.
How do I permanently deactivate my Insta EMI Card?
The live Bajaj Finance page does not describe a permanent deactivation process separately from the standard block option. Contact Bajaj Finance customer care at 8698 010 101 or visit your nearest branch to understand the correct process for permanently closing or deactivating your Insta EMI Card.
Will blocking my EMI Card affect my active EMI transactions?
Blocking your Insta EMI Card does not cancel or affect EMI transactions that are already active and in progress. Your existing EMI repayments will continue as per the agreed schedule. The block only prevents new purchases from being made on the card until it is unblocked.
Can I raise a grievance if my EMI Card is wrongly blocked?
Yes. If you believe your Insta EMI Card has been blocked incorrectly, contact Bajaj Finance customer care at 8698 010 101 to raise a query. If unresolved, you can escalate through the official Bajaj Finance grievance redressal process, and further to the RBI Integrated Ombudsman at cms.rbi.org.in if needed.
What is the difference between temporary and permanent block on EMI Card?
A temporary block is one you apply yourself through the service portal and can reverse instantly online. A permanent or policy-based block is applied by Bajaj Finance due to eligibility or credit-related reasons and can only be reversed when you meet the applicable criteria, as assessed by Bajaj Finance.
Is blocking the EMI Card the same as closing my Bajaj Finserv account?
No. Blocking your Insta EMI Card only restricts it from being used for new purchases. It does not close your Bajaj Finance account or affect any active loans or other products linked to your account. Your existing EMI repayments and other account obligations continue as normal after the card is blocked.
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