Features and benefits of our Insta EMI Card

All you need to know about our Insta EMI Card

Watch this video to know more about the features and benefits of the Insta EMI Card. Get to know about the card limit, where to shop online and offline, repayment period, and more.

  • Online shopping

    Online shopping

    You can use this card on shopping sites like Bajajmall.in, Amazon, MakeMyTrip, Vijay Sales, Tata Croma, Reliance Digital and others.

  • Everything on EMIs

    Everything on EMIs

    Shop for daily groceries, electronics, fitness equipment, home appliances, furniture and more, and split the bills into No Cost EMIs.

  • Lower-EMI special schemes

    Lower-EMI special schemes

    You can opt for our special EMI schemes that offer a longer repayment tenure and reduce your monthly EMI.

  • Zero down payment

    Zero down payment

    During festive seasons, we run zero down payment schemes where you don’t have to pay anything at the time of purchase.

  • Accepted at %$$EMI-storeheft$$%+ stores

    Accepted at 1.2 lakh+ stores

    The card is accepted across 3,000 large and small cities. Wherever you are, walk into our partner stores and shop on EMIs.

  • Flexible repayment tenures

    Flexible repayment tenures

    Convert your purchases into monthly instalments and pay back over 3 to 24 months.

  • End-to-end digital process

    End-to-end digital process

    The entire application process is online. It takes less than 10 minutes to complete.

  • Still haven’t found what you’re looking for? Click on any of the links at the top of this page.

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Eligibility criteria and documents required

Anyone can get an Insta EMI Card as long as you meet the basic criteria mentioned below. If you meet the criteria, you will need a set of documents to complete your application process.

Eligibility criteria

  • Nationality: Indian
  • Age: 21 years to 65 years
  • Income: You must have a regular source of income
  • Credit score: 720 or higher

Documents required

  • PAN Card
  • Address proof
  • Cancelled cheque
  • Signed ECS mandate

How to apply for the Insta EMI Card

Step-by-step guide to applying for the Bajaj Finserv Insta EMI Card

  1. Enter your 10-digit mobile number and verify the OTP sent to your phone.
  2. Fill in the application form with your basic details, such as your full name, PAN, date of birth, and PIN code.
  3. Select your employment type and gender.
  4. Click on submit to know your card limit.
  5. Verify your KYC using your Aadhaar card or DigiLocker.
  6. Post successful KYC, pay a one-time joining fee of Rs. 530.
  7. Click on ‘Activate Now’ and enter your bank account number and IFSC code to complete the e-mandate process.
  8. After successful e-mandate registration, your card is ready to use.

Note: The online process may differ depending on whether you are a new customer or have an existing relationship with us.

Apply for the Insta EMI Card

Pre-approved offers for new customers

Both our new and existing customers can choose from pre-approved offerings. All we need is your mobile number to check.

You do not have to go through the complete application procedure if you are one of our customers who has been pre-approved. Consider it our green channel.

You might not require a card right now or might not have a pre-approved offer. You can still pick from a variety of offerings:

  • Examine your credit standing

    Examine your credit standing

    Some of the most crucial factors for you are your credit health and CIBIL score. Get our Credit Health Report to keep your credit in tip-top shape.

    Check your CIBIL score for free

  • Insurance in your pocket to cover every life event

    Insurance in your pocket to cover every life event

    In order to cover all of your life's events, including trekking, monsoon-related illnesses, car key loss/ damage, and more, we offer more than 400 insurance covers starting at just Rs. 19.

    Discover Insurance Mall

  • Create a Bajaj Pay Wallet

    Create a Bajaj Pay Wallet

    The only four-in-one wallet in India that allows you to pay or transfer money using your digital wallet, a credit card, and UPI.

    Download Now

  • Start an SIP with just Rs. 100 per month

    Start an SIP with just Rs. 100 per month

    Pick from over 900 mutual funds across 40+ companies such as SBI, Aditya Birla, HDFC, ICICI Prudential Mutual Fund, and more.

    Discover Investment Mall

Applicable fees and charges

The following charges are applicable on Insta EMI Card:
EMI Network Card Fee Rs. 530/- (Inclusive of applicable taxes)
Online Convenience Fee Rs. 69 (Inclusive of applicable taxes) applicable to Customers who avail Insta EMI Card exclusively through digital mode
EMI Network Card Loan Limit Enhancement Fee Rs. 117/- (Inclusive of applicable taxes)
Annual Fee Rs. 117/- (Inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed any loan using the EMI Network Card in the preceding year.

The duration of the preceding year is calculated 12 months from last year’s validity month, which is printed on the face of your EMI Network Card.

For example, If the EMI Network Card is issued in the month of February 2019 (referred to as ‘Member Since’, on the EMI Network Card) the date for payment of the annual fee will be March 2020.
Add-on EMI Network Card Fee Rs. 199/- (Inclusive of applicable taxes)
Processing Fee Rs. 1017/- (Inclusive of applicable taxes) collected upfront
Bounce Charges Rs. 500/- per bounce
Penal Interest Any delay in payment of Monthly Instalment/ EMI shall attract penal interest at the rate of 3.5% per month on the Monthly Instalment/ EMI outstanding, from the date of default until the receipt of Monthly Instalment/ EMI.
Mandate Rejection Charges Rs. 450/- per month from the first month of due date for mandate rejected by customer's bank until the new mandate is registered
Mandate Registration Charges Rs. 118/- (Inclusive of applicable taxes) if applicable
Loan Enhancement Fees Rs. 117/- (Inclusive of applicable taxes) will be collected along with the first instalment
Convenience Fee Rs. 117/- (Inclusive of applicable taxes) will be collected along with the first instalment
Transaction Fee** Rs. 147/- (Inclusive of applicable taxes) will be collected along with the first instalment
**Transaction Fee refers to sum payable by (i) who does not hold valid EMI card; (ii) to whom the loan is facilitated; and (iii) at the time of making payment of first EMI/ upfront payment as part of loan transaction

Frequently asked questions

What is the Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card, also known as the EMI Network Card, lets you convert all your purchases into No Cost EMIs. You can use it to shop for the latest products online and offline.

What is the eligibility age for the Bajaj Finserv Insta EMI Card?

You can apply for the Insta EMI Card if you are between 21 years and 65 years of age.

Click here to apply for the Insta EMI Card.

What documents are required to get the Bajaj Finserv Insta EMI Card?

No physical documents are required to get the Bajaj Finserv Insta EMI Card. You just need the following details:

  1. PAN Card details
  2. Aadhaar Card number for KYC confirmation
  3. Bank account number and IFSC code for e-mandate registration
How do I register for my e-mandate?

To register for your e-mandate, you need to:

  1. Share your bank account number and IFSC code
  2. Verify all the details entered by you
  3. Submit OTP for validation purposes
What are the benefits of e-mandate registration?

By registering for your e-mandate, you will:

  • Never miss on your EMI payments with the auto-debit feature
  • Manage your loans in an efficient manner
How do I use the Bajaj Finserv Insta EMI Card?

You can avail of finance to shop using the Bajaj Finserv Insta EMI Card at any of our online and offline partner stores on No Cost EMIs. All you need to do is provide your card details and authenticate your transaction with an OTP sent to your registered mobile number.

When will I receive my Insta EMI Card?

The Insta EMI Card is issued digitally and gets activated online instantly. Therefore, you will not receive a physical card; simply access it on the Bajaj Finserv app.

Where can I view my Insta EMI Card details?

You can view your card details on the Bajaj Finserv app.

How do I view my Insta EMI Card details on the Bajaj Finserv app?

Follow the below-mentioned steps:

  1. Download the app
  2. Enter your registered mobile number
  3. Submit the OTP sent to your mobile number
  4. Click on the ‘EMI’ icon
  5. Enter your date of birth
  6. View your Insta EMI Card
Why do I need the Bajaj Finserv app for my Insta EMI Card?

With the Bajaj Finserv app, you can:

  1. Access your Insta EMI Card and all related details
  2. Get exclusive offers
I am unable to transact with my Insta EMI Card. What could be the issue?

If you are unable to transact using the Insta EMI Card, your card might be blocked. You can check your card status on our customer portal My Account or the Bajaj Finserv app.

To check your card status:

  • Sign-in to My Account
  • Click on the Insta EMI Card under My Relation
  • Check your card status and the reason why your card is blocked

In case your card is not blocked please check if you have completed your e-mandate. If not, you can complete it online through My Account or offline by visiting any of our EMI Network partner stores near you.

I have already completed my e-mandate, yet I cannot make a transaction on Amazon and other online shopping sites. What could be the issue?

If you are facing an issue with your e-commerce transaction, please complete your KYC with your current residing address by making the first transaction at an EMI Network partner store.

From the second transaction onwards, you will be able to transact on online shopping sites.

What is the joining fee for the Insta EMI Card?

To get the Insta EMI Card, you only have to pay a one-time joining fee of Rs. 530. Apply for the Bajaj Finserv Insta EMI Card.

How can I contact the Bajaj Finserv customer care?

You can contact us online via our customer portal ‘My Account’. You can also call us at +91 8698010101 for all your queries.

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