Bajaj Finserv Insta EMI Card
The Bajaj Finserv Insta EMI Card is a digital EMI Card that lets you shop for 1 million+ products on No Cost EMIs. With the Insta EMI Card, you get a pre-approved loan limit of up to Rs. 2 lakh available for purchases on all leading online stores and 1.5 lakh+ retail stores across 4,000+ cities. Use the digital card to convert your small and big purchases into interest-free EMIs and repay over 60 months.
Features and benefits of our Insta EMI Card
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Features and benefits of our Insta EMI Card
Insta EMI Card is India's best interest-free card that lets you shop for 1mn+ products.
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Online shopping
You can use this card on shopping sites like Bajajmall.in, Amazon, MakeMyTrip, Vijay Sales, Tata Croma, Reliance Digital and others.
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Everything on EMIs
Shop for daily groceries, electronics, fitness equipment, home appliances, furniture and more, and split the bills into No Cost EMIs.
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Lower-EMI special schemes
You can opt for our special EMI schemes that offer a longer repayment tenure and reduce your monthly EMI.
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Zero down payment
During festive seasons, we run zero down payment schemes where you do not have to pay anything at the time of purchase.
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Accepted at 1.5 lakh+ stores
The card is accepted across 4,000 large and small cities. Wherever you are, walk into our partner stores and shop on EMIs.
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Flexible repayment tenures
Convert your purchases into monthly instalments and pay back over 1 months to 60 months.
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End-to-end digital process
The entire application process is online. It takes less than 10 minutes to complete.
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Still haven’t found what you’re looking for? Click on any of the links at the top of this page.
Eligibility Criteria and Documents Required for Bajaj Finserv Insta EMI Card
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
- Aadhaar Card number for KYC confirmation
- Bank account number and IFSC code for e-mandate registration
How to apply for the Insta EMI Card
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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:
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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.
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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.
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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.
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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.
Insta EMI Card Applicable fees and charges
The following charges are applicable on Insta EMI Card/ EMI Network Card |
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Type of fee |
Applicable charges |
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) upfront payment from customers who are availing benefit of increasing their card limit. |
Annual fee |
Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed of any loan using the EMI Network Card in the preceding year. |
Add-on EMI Network Card fee |
Rs. 199/- (inclusive of applicable taxes) |
The following charges are applicable for availing loan limit through Insta EMI Card/ EMI Network Card |
|
Type of fee |
Applicable charges |
Processing fee |
Up to Rs. 5000/- (inclusive of applicable taxes) collected upfront. |
Bounce charges |
In case of default of repayment instrument, Rs. 500/- per bounce will be levied. |
Penal interest |
Any delay in payment of monthly instalment shall attract penal interest at the rate of 3.50% per month on the monthly instalment outstanding, from the date of default until the receipt of monthly instalment. |
Mandate rejection charge |
Rs. 450/- per month from the first instalment due date for mandates rejected by the customer’s bank until the new mandate is registered. |
Mandate registration charges |
Rs. 118/- (inclusive of applicable taxes) if applicable. Applicable for the banks below - |
Loan enhancement fees |
Rs. 117/- (inclusive of applicable taxes) will be added to the first instalment. |
Convenience fee |
Rs. 117/- (inclusive of applicable taxes) will be collected along with first instalment. |
Frequently asked questions
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.
If you have blocked your card in the past and want to use it again, you can unblock it by visiting our customer portal.
- Sign-in to ‘My Account’ with your registered mobile number and the OTP.
- Enter your date of birth for verification and proceed.
- Select the card you want to unblock from ‘My Relations’.
- Click on the option ‘Unblock Card’ from the ‘Quick Actions’ section.
- Verify with an OTP sent to your registered mobile and proceed.
Get more details on how to block/unblock your Insta EMI Card.
You can use the Insta EMI Card to shop at our 1.5 lakh+ online and offline partner stores on No Cost EMIs.
When shopping online, add your Insta EMI Card number and related details. Then, authenticate your transaction with the OTP, select a repayment tenure of your choice, and that is it.
If you visit a partner store, you can provide your Insta EMI Card number at the billing counter, or take assistance from the store representative, choose a flexible tenure for your EMIs and make your purchase.
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.
No physical documents are required to get the Bajaj Finserv Insta EMI Card. You just need the following details:
- PAN Card details
- Aadhaar Card number for KYC confirmation
- Bank account number and IFSC code for e-mandate registration
To register for your e-mandate, you need to:
- Share your bank account number and IFSC code
- Verify all the details entered by you
- Submit OTP for validation purposes
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.
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.
You can view your card details on the Bajaj Finserv app.
Follow the below-mentioned steps:
- Download the app
- Enter your registered mobile number
- Submit the OTP sent to your mobile number
- Click on the ‘EMI’ icon
- Enter your date of birth
- View your Insta EMI Card
With the Bajaj Finserv app, you can:
- Access your Insta EMI Card and all related details
- Get exclusive offers
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.
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.
To get the Insta EMI card, you only have to pay a one-time Insta EMI Card fee of Rs. 599. Apply for the Bajaj Finserv Insta EMI Card.
Check all the EMI Card fees and charges
You can contact us online via our customer portal ‘My Account’. You can also call us at +91 8698010101 for all your queries.
The minimum transaction amount to use the Insta EMI Card is Rs. 2,799.
We can use the Insta EMI Card to shop for merchants like Amazon, Flipkart, Vijay Sales, MakeMyTrip, Goibibo, and more. You can also use the EMI Card to shop across our various other 1.5 lakh+ online and offline partner stores.
You can use the Bajaj Finserv Insta EMI Card to shop for electronics, apparel, travel, groceries, home décor, and more. Using the Insta EMI Card is very easy. Just select EMI option for payments during checkout and provide the Insta EMI Card details. Select your preferred repayment tenure and your purchase will be successfully converted into EMIs.
