Insta EMI Card fees and charges

Read our fees and charges in detail before applying for our Insta EMI Card

Applicable fees and charges

Type of fee Applicable charges
Insta EMI Card fee Rs. 530 (inclusive of applicable taxes)
Add-on card fee Rs. 199 (inclusive of applicable taxes)
Convenience fee Rs. 99 + (applicable taxes) will be added to the first EMI
Loan enhancement fee Rs. 99 + (applicable taxes) will be added to the first EMI
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.

How to apply for the Insta EMI Card

Step-by-step guide to apply for the 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.