2 min read
July 08, 2026

In summary

You can shop online with your favourite e-commerce platforms today without a credit card and convert your purchase into small monthly parts. The Bajaj Finance Insta EMI Card lets you split your online purchase into Easy EMIs across 3 to 60 months.

  • Get a card loan offer of up to Rs. 3 lakh to cover electronics, furniture, and other purchases together.
  • Access over 1 million products across 1.5 lakh partner stores in 4,000 cities, 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 online within minutes.

What is a Bajaj Finance Insta EMI Card?

The Bajaj Finance Insta EMI Card is a digital payment card that lets you convert big and small purchases into easy EMIs. With access to over 1 million products across partner stores, it offers zero down payment options, flexible repayment tenures, and instant approval. You can shop for electronics, jewellery, appliances, and more, making it a smart way to manage expenses without straining your budget.

How do I use the Insta EMI Card to shop online?

  1. Log on to the partner e-commerce website.
  2. Browse through the categories and select your product.
  3. Choose your payment method as Bajaj Finance Easy EMIs.
  4. Select a repayment tenure across 3 to 60 months that suits your monthly budget.
  5. Authorise your purchase with the OTP sent to your registered mobile number.
  6. Your order is placed, and EMI deductions begin from your next billing cycle.

You can also check your Insta EMI Card eligibility online in advance by entering your mobile number and OTP, which helps you plan your purchase better.

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

Business Loan
Insta EMI Card

Where can I use a Bajaj Finance EMI card for online shopping

If your total online purchases are over Rs. 4,500, you can shop on easy EMIs from the following online platforms:

Amazon

Sangeetha Mobiles

Godrej

Great Eastern Electronics

Agarwal Computer

Flipkart

MakeMyTrip

OnePlus

Khosla Electronics

QRS Retail

Croma Store

Easemytrip

Flo Mattress

Electronic Paradise

Zapnet Computers

Home Centre

Goibibo

Vasanth and Co Online Shopping

Adishwar Electronics

realme

Poorvika Mobiles

Unacademy

BBCC IT Solution

Arcee Electronics

Voltas


Ready to shop with ease? Check your Insta EMI Card offers instantly. You might already be eligible; find out by entering your mobile number and OTP.

Benefits of using the Insta EMI Card

The Bajaj Finance Insta EMI Card offers several advantages beyond just splitting payments. From flexible tenures to wide acceptance, here are the key benefits that make this card a practical choice for everyday purchases.

Feature

Details

Easy EMIs

Split the cost of your purchase into affordable monthly instalments with minimal interest, making it budget-friendly.

High pre-qualified limit

Get up to Rs. 3 lakh card loan offer amount to buy multiple products without upfront stress.

Wide acceptance network

Accepted at over 1.5 lakh partner stores across 4,000 cities and major e-commerce platforms.

Flexible repayment tenure

Choose a repayment period from 3 to 60 months based on your financial comfort.

Zero down payment offers

Avail deals with no upfront payment requirement on select models.

Credit score benefit

Timely EMI payments may help strengthen your credit profile and financial health.


Also read: Features and benefits of the Bajaj Finance Insta EMI Card

What is the eligibility criteria for the Insta EMI Card?

Before you apply, it helps to check whether you meet the basic eligibility requirements. The Bajaj Finance Insta EMI Card is open to most working Indians, and the criteria are simple to understand at a glance.

  • Nationality: Indian Citizen.
  • Age: 21 years to 65 years.
  • Credit score: A healthy credit score per Bajaj Finance policies.
  • Income: A steady, regular source of income.
  • Documents: PAN Card, Aadhaar Card, and a cancelled cheque for e-mandate.

Also read: Eligibility criteria for the Insta EMI Card

Explore more:

EMI full form

BNPL

POS full form


List of the biggest upcoming sales:

Amazon Upcoming Sale

Flipkart Upcoming Sale

Amazon Great Indian Festival 2026

Croma Diwali Sale with Insta EMI Card

Diwali offers with Insta EMI Card

Amazon fridge offers 2026

Amazon mobile offers 2026

Reliance Digital Diwali offer 2026

Amazon Diwali offer sale 2026

Sangeetha Mobiles Diwali offers 2026

Poorvika Mobiles Diwali offers 2026

How to shop on Amazon without a credit card

Amazon Great Indian Festival 2026

Flipkart Cooling Days

Amazon Prime Day Sale

Amazon Electronics Sale

How to apply for Insta EMI Card

If you don’t own a Bajaj Finance EMI Network Card, you need not worry. You can still benefit from online shopping experiences. Look at how you can do the same:

Apply online through My Account

  1. Visit the Bajaj Finance website or app.
  2. Go to the Insta EMI Card application page.
  3. Fill in your personal and financial details.
  4. Upload ID and address proof for verification.
  5. Pay the one-time joining fee after approval.
  6. Complete e-mandate registration.

Use the Bajaj Finance Insta EMI Card card to shop top rated products on Easy EMI.

Apply offline at a partner store

  • Visit any of our 1.5 lakh+ partner stores.
  • Submit basic documents:
    1. Canceled cheque
    2. PAN Card or Aadhaar card
    3. Signed ECS mandate
  • Get instant approval if eligible.
  • Activate your card for immediate use.

Additional Read: How to apply for Bajaj Finance EMI Network Card

You can also expedite your financing and application process by checking your pre-qualified offer. This way, you can also see the amount of financing you are eligible for. Simply enter your mobile number and OTP to check your eligibility instantly.

Bajaj Finance app for all your financial needs and goals

Trusted by 50 million+ customers in India, Bajaj Finance App is a one-stop solution for all your financial needs and goals.

You can use the Bajaj Finance 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 Finance App today and experience the convenience of managing your finances on one app.

Do more with the Bajaj Finance 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.
For customer support, call Personal Loan IVR: 7757 000 000

Frequently asked questions

Why is my Bajaj Finance Insta EMI Card not eligible for online transactions?

Your Bajaj Finance Insta EMI Card may not be eligible for online transactions due to several reasons. First, ensure that your card has been activated for online use by contacting Bajaj Finance customer support or visiting the online customer portal – My Account. Additionally, check if your card has sufficient credit limit, as online purchases may require a certain limit. Lastly, make sure your card is not blocked, and you are using it on websites that accept the Bajaj Finance Insta EMI Card as a payment option.

Where can I use my Bajaj Finance Insta EMI Card for online shopping?

You can use your Bajaj Finance Insta EMI Card for online shopping on various e-commerce websites and apps, including popular platforms like Amazon, Flipkart, Myntra, and more. Ensure that the online store you wish to use accepts the Bajaj Finance Insta EMI Card as a payment option during the checkout process.

How to activate a Bajaj Finance EMI card for online transactions?

To activate your Bajaj Finance Insta EMI Card for online transactions, log in to the Bajaj Finance customer portal or app. Navigate to the card activation section and follow the on-screen instructions. You may need to provide some personal and card-related information for verification purposes. Once activated, you can start using it for online purchases.

How do I repay the EMIs?

Repaying EMIs for your Bajaj Insta EMI Card is straightforward. You can choose from various repayment options, including auto-debit from your linked bank account, through the Bajaj Finance customer portal – My Account. Ensure you make timely payments to avoid late fees and maintain a good credit history.

How can I shop with Bajaj Finance Insta EMI Card?

Use the card at partner stores or e-commerce platforms by selecting it as the payment mode and converting the purchase into EMIs during checkout. Embrace this convenient mode of shopping today – check your eligibility in an instant using your mobile number and OTP.

How does the Bajaj Finance Insta EMI Card work?

The card allows you to shop for products and services at partner outlets, converting payments into easy EMIs with minimal interest charges. You might already be eligible – check your offers now by entering your mobile number and OTP.

Can we withdraw money from Bajaj Finance Insta EMI Card?

No, the card is designed for purchases only and does not support cash withdrawals.

Can I use Bajaj Finance Insta EMI Card to buy clothes?

Yes, you can purchase clothes at partner stores like Reliance Trends and others using the card on EMI.

How to pay using Bajaj Finance EMI Card?

Select the card during checkout, choose a repayment tenure, and authenticate with an OTP for secure payment conversion into EMIs.

How to buy gold using Bajaj Finance Insta EMI Card?

Gold purchases may be possible at select partner stores that accept the card for EMI transactions.

Can I use Bajaj Finance Insta EMI Card at Shoppers Stop?

Yes, to shop at a partner Shoppers Stop store, you can use the card for purchases on EMIs.

Can we book flight tickets using Bajaj Finance Insta EMI Card?

Yes, flight bookings are possible through travel partners like MakeMyTrip that accept the card for EMI payments.

How to use Bajaj Finance Insta EMI Card in Big Bazaar?

You can shop at a partner Big Bazaar store by selecting the card as your payment mode and converting purchases into EMIs.

Can I use Bajaj Finance Insta EMI Card for bike purchase?

Yes, bike purchases can be made at select partner dealerships that accept the card for EMI payments

Can I use Bajaj Finance Insta EMI Card for hotel booking?

Hotel bookings may be possible through travel platforms or partner hotels accepting the card for EMI transactions.

Can I use Bajaj Finance Insta EMI Card in Reliance Trends?

Yes, Reliance Trends is a partner store where you can shop using the card on EMIs.

How to use the Bajaj Finance Insta EMI Card on Myntra?

To use the Bajaj Finance Insta EMI Card on Myntra, select your desired products, proceed to checkout, and choose the Bajaj Finance EMI Card as the payment option. Select a suitable EMI tenure, enter the card details, and authorize the transaction via OTP. Your purchase will convert into EMIs.

How to use the Bajaj Finance Insta EMI Card on Amazon?

On Amazon, select products worth at least Rs. 3,000 eligible for EMI. At checkout, pick Bajaj Finance Insta EMI Card as the payment method. Choose your repayment tenure, input your card info, and confirm payment by entering the OTP sent to your registered mobile. This splits your purchase into easy EMIs.

Why is my Bajaj Finance Insta EMI Card not working on Amazon?

Your Bajaj Finance Insta EMI Card may not work on Amazon due to reasons like card expiry, insufficient funds, incorrect card details, or blocking caused by suspicious activity. Internal policies or merchant-specific restrictions may also cause transactions to fail. Contact Bajaj Finance support to resolve such issues.

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