2 min read
Nov 12, 2026

Here’s an example of how your credit card dues and other loan payments can be clubbed together to reduce your monthly EMI and help you save money.

Let’s say you have an active credit card for your personal and business expenses, and over time the balance has reached Rs.1 lakh with at the annual interest rate of 20%. You also availed a business loan of Rs.12 lakh 12% interest rate for a tenor of 1 year, to fuel the needs of your business. By consolidating your credit card debt and your business with a personal loan of 11% interest can help you save more than 8% on your monthly interest. Here is how debt consolidation helps you save money:

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How does the Insta EMI Card make online and offline shopping easier?

The Insta EMI Card gives you the freedom to shop for what you want, when you want, without worrying about upfront costs. Here is how it makes both online and offline shopping more convenient:

  • Shop at over 1.5 lakh partner stores: Use your Insta EMI Card at a wide network of partner stores across more than 4,000 cities in India, both online and offline.
  • Enjoy Easy EMIs on every purchase: Break down large bills into smaller, manageable monthly instalments spread over 3 to 60 months, making high-value purchases far more affordable.
  • Access exclusive deals online: Shop on major e-commerce platforms and enjoy special discounts and offers on select products using your Insta EMI Card.
  • Shop at leading offline retailers: Use your card at popular stores such as Reliance Digital, Croma, and Vijay Sales, among others, for a seamless in-store shopping experience.
  • Explore Bajaj Mall benefits: Get additional advantages when you shop through Bajaj Mall using your Insta EMI Card, including exclusive deals and a ide product selection.

Embrace the convenience of shopping with the Insta EMI Card today – check your offers by entering your mobile number and OTP.


Why should I choose the Bajaj Finance Insta EMI Card?

The Bajaj Finance Insta EMI Card stands out as a versatile financial tool, streamlining purchases through easy EMIs across a vast network of partner stores. Offering instant access to credit, flexible repayment options, and exclusive deals, this card redefines convenience and affordability.

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

Here is what makes the Insta EMI Card a top choice for seamless shopping experiences:


Pre-qualified card loan limit

The Bajaj Finance Insta EMI Card is equipped with the feature of a pre-qualified card loan limit of up to Rs. 6 lakh. This sanctions the use of this card at numerous partner outlets (spanning over 1.5 lakh), spread across more than 4,000 locations.


No cumbersome paperwork or documentation

Paperwork consumes a significant amount of time and complicates the process, which is not the case with the Bajaj Finance Insta EMI Card. If you wish to own the Bajaj Finance Insta EMI Card, apply online without furnishing a single document. This Insta EMI Card is exclusively accessible in digital format, further making it convenient. Remain free from the trouble of carrying a physical card and simply access it via the Bajaj Finance app.


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 70 years.
  • Credit score:A healthy credit score per Bajaj Finance policies.
  • Income: A steady, regular source of income.
  • Documents: No physical documentation required when applying online. Only the following details are required: PAN and Aadhaar number.
  • Form 60: In case of non-availability of PAN, Form 60 is required.

Also read: Eligibility criteria for the Insta EMI Card


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


How do I use the Insta EMI Card to shop online and in-store?

At a partner store

You can use your Insta EMI Card at any partner store, including Croma, Reliance Digital, and Vijay Sales, in under 5 minutes.

  1. Select the product you want to buy.
  2. Ask the store executive to process payment through your Bajaj Finance Insta EMI Card.
  3. Share your registered mobile number and card details.
  4. Choose a repayment tenure across 3 to 60 months that fits your monthly budget.
  5. Authenticate the purchase using the OTP sent to your registered mobile number.
  6. Your purchase is confirmed. Take your product home the same day.

While shopping online

  1. Add your chosen product to your cart on a partner e-commerce website.
  2. At checkout, select the Bajaj Finance Easy EMIs option.
  3. Enter your Insta EMI Card details and registered mobile number.
  4. Choose your preferred repayment tenure, across 3 to 60 months.
  5. Confirm using 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.


Buy your favourite products in upcoming sales with Insta EMI Card

Upcoming sales are the perfect time to grab the products you have been eyeing. Use your Insta EMI Card to shop at your favourite stores and pay in Easy EMIs, so you never have to wait to own what you want.

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Amazon mobile offers 2026Reliance Digital Diwali offer 2026Amazon Diwali offer sale 2026
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Amazon Electronics SaleFlipkart Cooling DaysAmazon Prime Day Sale

Related terms for EMI Card

BNPLPOS full form
Easy EMI CardFlight booking on EMI
Amazon Pay LaterFlipkart Pay Later
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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.
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Frequently asked questions

What is an EMI Card?

An EMI (Equated Monthly Instalment) Card is a financial product that offers you the convenience of making purchases on credit and converting the payment into manageable monthly instalments. It is commonly used for buying consumer durables, electronics and other goods.

Why choose the Bajaj Finance EMI Network Card?

The Bajaj Finance EMI Network Card is a preferred choice due to its wide acceptance across various partner stores, allowing for easy and hassle-free purchases on EMI. With a high pre-qualified card loan limit, flexible tenures, and minimal documentation, it provides a convenient shopping experience.

How does EMI card work?

An EMI card works by allowing users to make purchases up to a pre-approved credit limit. The total purchase amount is divided into fixed monthly instalments, including interest. Customers can select suitable repayment tenures and enjoy the purchased item immediately while repaying in smaller, manageable amounts.

What are the advantages of an Insta EMI card?

The Insta EMI Card, a variant of the Bajaj Finance EMI Network Card, offers instant activation, allowing quick and seamless purchases. It eliminates the need for physical documentation and enables swift online transactions, making it especially convenient for online shoppers.

Do EMIs boost credit scores?

Yes, responsible and timely repayment of EMIs can positively impact credit scores. Consistent EMI payments reflect good credit behaviour, which credit bureaus consider when calculating credit scores. On-time payments can contribute to a better credit history and potentially improve the creditworthiness of the individual.

How can I get a Bajaj Finance Insta EMI Card?

To obtain a Bajaj Finance EMI Card, you can follow these steps: Check your pre-approved offer, submit basic documents like ID and address proof, and make a nominal fee payment. Alternatively, you can apply at partner stores while making a purchase and if eligible, you will receive instant approval and activation.

What if my first EMI is not deducted?

If your first EMI is not deducted, it is important to check your bank account for sufficient funds. Insufficient balance or a technical glitch can lead to non-deduction. In such cases, the missed EMI might be deducted in the following month, along with any applicable penalties. It is advisable to contact the card issuer's customer support to clarify the issue and take necessary actions.

Which is better, a credit card or an Insta EMI card?

A credit card offers flexible spending across purchases with the option to convert transactions into EMIs, while the Insta EMI card is specifically designed for hassle-free EMIs on a wide range of products. If you want broader financial flexibility, a credit card works best. But if you prefer interest-free, transparent EMIs with zero hidden charges, an Insta EMI card is the smarter choice.

Who is eligible for an Insta EMI card?

To apply for an Insta EMI card, you need to meet a few simple eligibility conditions. First, you must be an Indian resident, as the card is issued only within the country.

Age is another key factor—applicants should be between 21 years and 70 years at the time of applying. Having a regular source of income is equally important, as it ensures your ability to manage monthly instalments.

Lastly, your credit profile must meet the requirements. A healthy credit score increases your chances of quick approval and hassle-free access to the Insta EMI card.

Is there an annual fee for the Insta EMI Card?

No. The Insta EMI Card has no annual or renewal fee. You pay only a one-time joining fee of Rs. 530 (inclusive of applicable taxes) when your card is issued. After that, you can keep using your card to buy products on Easy EMIs at over 1.5 lakh partner stores, and you will not pay anything extra each year to keep it active.

What is the maximum card loan offer available on an Insta EMI Card?

Our Insta EMI Card offers a card loan offer of up to Rs. 6 lakh. However, the exact amount you receive depends on several factors, including your credit score, income level, and repayment history. We evaluate these details to determine the most suitable card loan offer for you.

What products can I buy using an Insta EMI Card?

You can use the Insta EMI Card to purchase a wide range of products, including smartphones, laptops, televisions, home appliances, furniture, and fashion items. The card is accepted at over 1.5 lakh partner stores across India, giving you access to an extensive selection of products across multiple categories.

Can I convert existing purchases into EMIs with the Insta EMI Card?

The Insta EMI Card is primarily designed for new purchases at partner stores, where Easy EMIs are applied at the time of the transaction. For queries about converting existing purchases into EMIs, we encourage you to get in touch with us directly to understand the options available to you.

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