Insta EMI Card features

The Insta EMI Card is designed for your convenience. Find out the features and benefits that set it apart.

Features and benefits of our Insta EMI Card

Features and benefits of our Insta EMI Card 00:38

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.

  • Online shopping

    Online shopping

    You can use this card on shopping sites like, 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 do not have to pay anything at the time of purchase.

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

    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.

  • Flexible repayment tenures

    Flexible repayment tenures

    Convert your purchases into monthly instalments and pay back over 1 months to 60 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.

  • You may use the Insta EMI Card to pay for 1 million+ products on EMIs, including everyday necessities like food and clothing, furniture and furnishings, home and kitchen appliances, smart devices, and fitness equipment.

    We have teamed up with big and small stores across India, to ensure that all your needs are covered. Every month, we continue to add more partners, making our network one of the largest in the country.

    A line is given to an existing customer with a Bajaj Finserv Insta EMI Card. Our existing customers can use this card to buy any of 1 million products including electronics, clothing, gadgets, furniture, and more from our online and offline partner network.

    Every purchase you make using your Insta EMI Card is treated as a loan, and you are given a loan number. This loan can be repaid over the chosen period in EMIs. As long as your total spending is less than the line that has been given to you, you may make several transactions. Additionally, it is convenient for you to select various tenures for various purchases.

    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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How to apply for the Insta EMI Card

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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. 599.
  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.

Frequently asked questions

What are the benefits of the Bajaj Finserv Insta EMI Card?

The following are the benefits of availing of the Bajaj Finserv Insta EMI Card:

  • Pre-approved card limit of up to 2 lakh
  • No Cost EMIs
  • Flexible repayment tenure
  • Nil foreclosure charges
  • Easy card access on the Bajaj Finserv app
  • Valid in more than 4,000 cities
  • Use at more than 1.5 LAKH partner stores