Features and benefits of our Insta EMI Card
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How to Shop on Zero Down Payment with Bajaj Finserv Insta EMI Card
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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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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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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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Everything on EMIs
Shop for daily groceries, electronics, fitness equipment, home appliances, furniture and more, and split the bills into Easy EMIs.
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Flexible repayment tenures
Convert your purchases into monthly instalments and pay back over 3 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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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.
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.
Where to shop with Bajaj Finance Insta EMI Card
Use your Insta EMI Card across all major online platforms and at more than 1.5 lakh partner stores across 4,000 big and small cities nationwide.
Why Insta EMI Card is better than credit card
When it comes to managing big purchases, many shoppers wonder whether to use a credit card or the Bajaj Finance Insta EMI Card. While both options let you split payments, the Insta EMI Card stands out for its flexibility, transparency, and accessibility. Here’s why it is a smarter choice:
Feature
Insta EMI Card
Credit card
Pre-approved Limit
Up to Rs. 3 lakh exclusively for EMIs
Depends on income and credit score
Hidden charges
No annual fees or interest charges
Annual fees, late fees, and interest apply
Repayment tenure
Flexible tenure of 3 to 60 months
Limited EMI options, usually shorter
Acceptance
1.5 lakh+ partner stores (online & offline)
Accepted widely but EMI offers limited to select items
Down payment
Zero down payment offers available
Rarely available
Application process
Quick digital process
Lengthy approval with strict eligibility
Usage simplicity
Purely for EMI-based purchases
Revolving credit with interest if not paid on time
Why get the Insta EMI card?
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Frequently asked questions
Insta EMI Card is offered by Bajaj Finance Ltd, which requires creation/activation of Bajaj Pay Wallet in the journey for receiving cashbacks.
The following are the benefits of availing of the Bajaj Finance Insta EMI Card:
- Pre-qualified card loan offer amount of up to ₹3 lakh
- Easy EMIs
- Flexible repayment tenure
- Nil foreclosure charges
- Easy card access on the Bajaj Finance app
- Valid in more than 4,000 cities
- Use at more than 1.5 LAKH partner stores
The Bajaj Finance Insta EMI Card can be worth it for frequent shoppers, offering Easy EMIs on various purchases without a credit card. It provides access to a wide range of products and partner stores, making it a convenient payment option with manageable instalment plans.
The Insta EMI Cards offer Easy EMIs on products, spanning various categories like smartphones, electronics, appliances, lifestyle products, and more. It simplifies the purchasing process for customers by offering various features like a pre-qualified loan offer amount of up to ₹3,00,000, exclusive EMI deals, flexible repayment options, no foreclosure charges, and no hidden charges.
No, Bajaj Finance Insta EMI Card does not allow cash withdrawals. They are primarily designed for making purchases on EMI, not for accessing cash like a traditional credit or debit card.
Yes, the Bajaj Finance Insta EMI Card can be used to buy a computer. It offers the flexibility to make purchases across a spectrum of categories, including electronics, making it suitable for buying computers and other tech products.
The choice between a credit card and an Insta EMI Card depends on individual preferences. Credit cards offer a broader range of usage, including cash withdrawals and diverse benefits like reward points and cashback. On the other hand, Insta EMI Card is specifically tailored for easy instalment purchases, often with zero interest, making them advantageous for budget-friendly, planned purchases. It is a matter of personal financial goals and spending habits to determine which suits better.
You can use the Insta EMI Card to shop from merchants across various other 1.5 lakh+ online and offline partner stores like:
- Amazon
- Flipkart
- Croma Store
- Home Centre
- Poorvika Mobiles
- Sangeetha Mobiles
- MakeMyTrip
- EaseMyTrip
- Goibibo
- Unacademy
- Godrej
- OnePlus
- Vivo
- Flo Mattress
- Realme
- Voltas
Yes, your Insta EMI Card loan offer is revolving in nature. As you repay your existing EMIs, the amount becomes available for you to use again. This means you can continue shopping at our partner stores without having to apply for a fresh card loan offer each time.
Yes, you can request a cancellation for a purchase made using the Insta EMI Card. The process depends on the partner store's cancellation policy. Once the store processes the cancellation, the amount is credited back to your Insta EMI Card loan offer. We recommend contacting the store directly to initiate the cancellation.
The Insta EMI Card is available across more than 4,000 cities in India, covering a wide network of partner stores both online and offline. However, availability may vary depending on your location. We recommend checking our official website to confirm whether the Insta EMI Card is accessible in your city.
When your Insta EMI Card loan offer is fully utilised, you will not be able to make any further purchases until you repay a portion of your outstanding EMIs. As you make repayments, the available loan offer is restored, allowing you to shop again at our partner stores.
You can track all your Insta EMI Card transactions and EMIs by logging in to your account on our official website or mobile app. Navigate to your loan account and select the statement or payment history section to view your transactions, due dates, outstanding amounts, and repayment schedule in one place.
