Insta EMI Card features and benefits

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.

  • Accepted at 1.5 lakh+ 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.

  • 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.

  • 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.

  • 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.

  • Flexible repayment tenures

    Flexible repayment tenures

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

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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. 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.

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 3 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
Is Bajaj Insta EMI Card worth It?

The Bajaj 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.

What are the features of EMI Card?

EMI Cards offer interest-free EMIs on products, spanning various categories like electronics, appliances, and lifestyle products. They often come with pre-approved limits, exclusive deals, and flexible repayment options, simplifying the purchasing process for customers.

Can we withdraw money from the Bajaj Insta EMI card?

No, Bajaj Insta EMI Cards do not allow cash withdrawals. They are primarily designed for making purchases on EMI, not for accessing cash like a traditional credit or debit card.

Can I buy a computer with the Bajaj EMI card?

Yes, the Bajaj 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.

Which is better credit card or EMI card?

The choice between a credit card and an 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, EMI cards are 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.

What merchant categories can the EMI Card be used for?

You can use the Insta EMI Card to shop from merchants across various other 1.5 lakh+ online and offline partner stores like:

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