Manage Your Purchases Easily with Flexible Repayment Tenure

Experience the ease of shopping with flexible repayment tenure using the Insta EMI Card — manage your expenses smartly and pay at your convenience without financial strain.
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Manage Your Purchases Easily with Flexible Repayment Tenure
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3 min
10 October 2025

Want to buy the latest phone, laptop, or a smart fridge—but don’t want to pay everything at once? That’s where the Bajaj Finserv Insta EMI Card comes in. With this card, you can enjoy flexible repayment tenures that fit your budget. That means you choose how many months you want to pay your EMIs over—3 to 60 months.

Let’s break down what that means for your everyday shopping and why it matters when managing your money smartly.

What are EMIs and why should you care?

EMIs, or Equated Monthly Instalments, help you split large payments into small, fixed amounts every month. This makes shopping easier on your wallet.

Let’s say Vidhi wants to buy the latest Apple MacBook Pro, which costs around Rs. 1.3 lakh. Instead of paying the full amount upfront, she can convert it into easy EMIs using the Insta EMI Card. This way, she gets the laptop right away and pays in smaller monthly chunks—on her terms.

What are flexible repayment tenures?

Flexible repayment tenures let you divide your purchase cost into manageable monthly instalments over a period that suits your budget. With the Bajaj Finserv Insta EMI Card, you can choose a repayment duration ranging from 3 to 60 months.

Why flexible repayment tenure matters

Not every budget is the same. That’s why having control over your repayment period helps you plan better.

With the Bajaj Finserv Insta EMI Card, you can choose a tenure between 3 to 60 months. Whether you want to wrap up payments quickly or space them out over a few years, it’s your call.

Here’s how it helps:

  • Pay off fast if you don’t want a long-term commitment.
  • Choose longer tenures for smaller monthly EMIs.
  • Adjust your EMIs based on your monthly income and expenses.

Example: EMI breakdown for a Rs. 60,000 purchase

Repayment tenure

Monthly EMI (approx.)

Total Payable

3 months

Rs. 20,000

Rs. 60,000

6 months

Rs. 10,000

Rs. 60,000

12 months

Rs. 5,000

Rs. 60,000


This example shows how you can spread payments based on your comfort. The card gives you the freedom to shop now and pay later—with ease.

Check your pre-qualified card loan offer in 2 simple steps – enter mobile & OTP

Features and Benefits of Insta EMI Card

Here’s why this card stands out:

  1. Easy EMIs
    Turn expensive purchases into easy EMIs with minimal or zero interest. No need to save for months before buying what you need.
  2. Flexible repayment tenure
    Choose between 3 to 60 months to repay. It helps you plan your finances better.
  3. Zero down payment
    On select products, you don’t have to pay anything upfront. Buy today, pay later.
  4. Wide online acceptance
    Use the card on Amazon, Flipkart, MakeMyTrip, Bajaj Mall, and more. You can shop across multiple categories and platforms.
  5. Access to 1.5 lakh+ partner stores
    Shop across 4,000+ cities from over 1 million products with the card’s vast partner network.

Planning a big purchase? Use the EMI Calculator

Before you buy, use the EMI Network Calculator to check how much you’ll pay each month. Just enter the amount and tenure, to get a clear picture of your budget.

Who can apply for the Insta EMI Card?

You may be eligible if you:

  • Are between 21 to 65 years of age
  • Have a regular income
    Are an Indian citizen

It’s easy to check your eligibility online. You just need your mobile number and name.

Check if you have a pre-qualified card loan offer in 2 clicks

How to apply for the Bajaj Finserv Insta EMI Card

Here’s how you can get started:

  1. Enter your 10-digit mobile number and verify the OTP
  2. Enter your full name and click on ""Yes, Auto-Fetch Details
  3. Verify your pre-filled personal details and click on ""PROCEED""
  4. Click on proceed and check your pre-qualified card loan offer amount
  5. Verify your KYC with Aadhaar or DigiLocker
  6. Select a promo code of your choice and pay a one-time joining fee of Rs. 530
  7. After successful payment, view your card details on the Bajaj Finserv app

Apply now and get your Insta EMI Card in minutes

Flexible repayment = More freedom

Whether it’s upgrading your kitchen appliances, booking your next holiday, or buying that gaming laptop, the Bajaj Finserv Insta EMI Card lets you:

  • Get what you want right away

  • Pay on your terms

  • Stay stress-free with manageable EMIs

No more saving for months. No more delaying purchases.

Final thoughts: Make smart purchases with flexible EMIs

With flexible tenures of up to 60 months, zero down payment offers, and easy online application—the Insta EMI Card is your smart shopping partner.

It gives you financial freedom without the burden of large upfront payments. So whether you're planning a vacation or replacing your old fridge, this card lets you buy now and pay later—with complete peace of mind.

Check your Insta EMI Card eligibility in just 2 steps – enter your mobile number and name.

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Disclaimer

1. Bajaj Finance Limited (“BFL”) is a Non-Banking Finance Company (NBFC) and Prepaid Payment Instrument Issuer offering financial services viz., loans, deposits, Bajaj Pay Wallet, Bajaj Pay UPI, bill payments and third-party wealth management products. The details mentioned in the respective product/ service document shall prevail in case of any inconsistency with respect to the information referring to BFL products and services on this page.

2. All other information, such as, the images, facts, statistics etc. (“information”) that are in addition to the details mentioned in the BFL’s product/ service document and which are being displayed on this page only depicts the summary of the information sourced from the public domain. The said information is neither owned by BFL nor it is to the exclusive knowledge of BFL. There may be inadvertent inaccuracies or typographical errors or delays in updating the said information. Hence, users are advised to independently exercise diligence by verifying complete information, including by consulting experts, if any. Users shall be the sole owner of the decision taken, if any, about suitability of the same.

Frequently asked question

What is the maximum repayment tenure of the Bajaj Finserv Insta EMI Card?

The maximum tenure for paying your Insta EMI card instalments is up to 60 months. This means you can divide the cost of your purchases into small monthly instalments spread over two years. The Insta EMI Card’s flexible repayment tenure benefits you immensely while purchasing expensive products. The high cost gets evenly distributed, making repayment easier.

Can we extend EMI tenure?

With the Bajaj Finserv Insta EMI Card, you have the flexibility to choose a repayment period from 3 months and 60 months. However, once the tenure is fixed, it cannot be changed. On certain occasions, we also offer a repayment tenure of 36 months on Bajaj Mall.

What is the maximum tenure for Easy EMI?

The maximum tenure for Easy EMI varies depending on the product and the terms set by the brand or partner. In some cases, Easy EMI can extend up to 60 months, allowing customers to spread the cost of their purchase over a more extended period without incurring high interest charges.

How does the EMI card repayment tenure work?

The EMI card repayment tenure refers to the duration within which you must repay the purchase amount in equal monthly instalments. It is pre-determined at the time of the purchase, and you can choose a repayment tenure that suits your financial capacity. The total purchase amount is divided into EMIs based on the chosen tenure, making it easier for the cardholder to manage the repayment over time.

What is an EMI card repayment tenure?

An EMI card repayment tenure is the period during which you are required to repay the amount borrowed through the EMI facility. It is determined at the time of purchase and can vary depending on the financial institution and the specific EMI plan chosen by the cardholder.

Can I change the repayment tenure after availing of an EMI card?

In most cases, the repayment tenure for an EMI card purchase is fixed and cannot be changed after availing of the facility. It is essential to carefully choose the tenure that suits your financial capabilities before confirming the purchase.

Are there any benefits to selecting a shorter repayment tenure?

Opting for a shorter repayment tenure can be advantageous for those who wish to repay the borrowed amount quickly.

Are there any advantages to choosing a longer repayment tenure?

Choosing a longer repayment tenure can reduce the monthly EMI amount, making it more manageable for individuals with a tight budget.

Can I prepay or foreclose my EMI card before the chosen tenure ends?

Yes, many financial institutions allow you to prepay or foreclose your EMI loan before the chosen tenure ends. However, some lenders may levy prepayment charges, so it is essential to check the terms and conditions before making a prepayment. Purchases via the Insta EMI Card do not incur any charges in case of foreclosure or prepayment.

How can I calculate the EMI amount for a specific repayment tenure?

The EMI amount can be calculated using the EMI formula: EMI = [P x R x (1+R)^N] / [(1+R)^N-1], where P is the principal amount, R is the monthly interest rate, and N is the number of EMIs. Alternatively, many online EMI calculators are available to help individuals determine their monthly instalments based on their chosen tenure.

What happens if I miss an EMI payment during the repayment tenure?

Missing an EMI payment can lead to late payment charges and adversely affect your credit score. It is essential to ensure timely repayments to avoid any penalties and maintain a positive credit history.

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