How to make Bajaj Finserv Insta EMI Card Payment Online

Know the steps of paying your Bajaj Finserv Insta EMI Card payment online.
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How to make Bajaj Finserv Insta EMI Card Payment Online
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2 min
27 March 2025

Make your shopping experience hassle-free with Bajaj EMI Payment options. The Bajaj Finserv Insta EMI Card transforms how you handle big-ticket purchases by converting them into manageable monthly instalments. This digital solution allows you to shop for over one million products across 1.5 lakh+ partner stores nationwide without the burden of immediate full payment.

Your Bajaj Finserv Insta EMI Card payment journey begins with a pre-qualified card loan offer amount of up to Rs. 3 lakh. The flexible repayment tenures range from 3 to 60 months, giving you complete control over your finances. Unlike traditional loans, this system operates without interest rates while maintaining the same structured payment schedule to help you budget effectively.

The Bajaj Finserv Insta EMI Card works across 4,000+ cities, making it accessible whether you live in metropolitan areas or smaller towns. Simply select your desired product, present your digital EMI card, and walk away with your purchase while spreading the cost over time. Ready to transform your shopping experience with flexible EMI options? Check your eligibility for the Bajaj Finserv Insta EMI Card today. You may already be eligible, find out by entering your mobile number and OTP.

Bajaj Finserv Insta EMI Card payment overview

The digital revolution in financial services has transformed how individuals manage credit responsibilities. Bajaj Finserv offers a robust online payment system that removes traditional barriers to loan repayments.

The company provides a user-friendly experience through its dedicated 'My Account' portal. This secure platform enables quick and hassle-free online EMI payments for existing customers.

Bajaj Finserv Insta EMI Card holders gain access to this efficient payment gateway that simplifies financial management. The portal eliminates the need for queues or paperwork while allowing users to monitor spending, track payment schedules, and complete transactions in one location.

The system was designed with Indian consumers in mind, offering straightforward navigation for users of all technical abilities. Managing your finances becomes effortless when you have the right financial tools at your disposal. Check your offer for the Bajaj Finserv Insta EMI Card now. You may already be eligible, find out by entering your mobile number and OTP.

Methods to pay your Bajaj Finserv Insta EMI Card payment online

You can complete your Bajaj Finserv EMI payment online using two convenient methods. Follow the steps below to make your Insta EMI Card payment seamlessly.

Using My Account Portal

By following these steps, you can make your Bajaj Finance Insta EMI Card payment effortlessly.

  • Step 1: Access our customer portal – My Account.
  • Step 2: Log in to your account.
  • Step 3: Click on My Relation and open your Insta EMI Card details.
  • Step 4: Select ‘Make Payment’ option under the ‘Things you can do section’ on your screen.
  • Step 5: Choose if you want to make advance payments or foreclose your loan.
  • Step 6: Select your Loan Account Number (LAN) and make the Bajaj Finance Insta EMI Card payment using Debit Card, UPI or Net banking option.

Using the My Account mobile application

Use your My Account mobile app to pay your Bajaj Finserv EMI quickly and easily. The app offers a streamlined payment process that saves you time and effort. Here is how to complete your payment:

  • Step 1: Download the My Account app on your mobile phone and sign in with your registered mobile number
  • Step 2: Navigate to the 'Account Information' section and tap on the 'Online Payment' option
  • Step 3: Select 'EMI' from the available payment choices
  • Step 4: Choose your preferred payment gateway and finish your transaction

The Bajaj Finserv Insta EMI Card makes managing payments simpler with its user-friendly mobile application. Learning about all the available payment methods can help you maximise the benefits of your Insta EMI Card and enjoy greater financial flexibility. Take control of your finances with smart EMI solutions that fit your budget perfectly. Check your eligibility for the Bajaj Finserv Insta EMI Card today. You may already be eligible, find out by entering your mobile number and OTP.

Secure modes of payment to pay Bajaj Finserv Insta EMI Card payment online

  • NEFT or Bank transfer: Set up the eNACH mandate for automatic deduction of EMIs on scheduled dates. This hassle-free option eliminates payment reminders whilst ensuring timely settlements. With your Bajaj Finserv Insta EMI Card, maintaining adequate account balance is your only responsibility.
  • Debit or credit cards: Access the Bajaj Finserv My Account portal to make payments using your cards. This secure method offers flexibility and convenience for Insta EMI Card holders. Verify sufficient card balance before initiating transactions for smooth processing.
  • Mobile wallets: Choose from various digital wallet services compatible with Bajaj Finserv online payments. The Insta EMI Card integrates seamlessly with popular wallet platforms, providing enhanced security and speed for your EMI transactions.
  • Mobile application: Utilise the dedicated Bajaj Finserv app for a comprehensive repayment experience. Beyond EMI payments, the application offers Insta EMI Card management features and additional financial services all within a secure environment.

Apply for Bajaj Finance Insta EMI Card

What happens if I miss my Insta EMI Card payment?

Even if you choose a comfortable tenure and EMI amount, you may find it challenging to make the payment during certain months. However, missing your EMI payment can have serious implications.

Here are the consequences of missing your EMI payment.

  • Impacts credit score: EMI defaults or late payments can significantly drop your credit score. When you miss your Bajaj Finance Insta EMI Card payment, it is marked as a minor or major default on your credit profile. This may show you as a high-risk borrower, potentially hampering your future credit accessibility.
  • Negatively affects your creditworthiness: Apart from the credit score, missing an EMI payment also spoils your credit report, which lenders consider assessing your creditworthiness. When you default on a Bajaj Finance Insta EMI Card payment, it puts a 'black mark' or 'red flag' against your credit report. This can make it difficult for you to get approved for a loan in the future. In case you get the approval, the lender may charge higher interest.
  • Late fees and penalties: If you miss an EMI payment, the lender may impose late fees and other penalties. These charges can vary depending on the lender and the loan amount. Bajaj Finance charges a penal charge of up to Rs. 5 per day per instalment from the respective due date until the date of receipt of the full instalment(s) amount. Also, bounce charges are levied in case of default of repayment instrument amounting to Rs. 500 per bounce.

Benefits of paying EMI payments online with Bajaj Finserv

The online payment facility for your Bajaj Finserv Insta EMI Card offers numerous advantages that extend beyond mere convenience. Here is why you should consider this payment method:

  • Boost your CIBIL score: Timely online payments help maintain and improve your credit score, which ranges from 300 to 900. A score above 750 positions you favourably for future financing options with your Insta EMI Card.
  • Foster lender relationships: Financial institutions value customers who pay promptly. Regular online payments through the Bajaj Finserv portal mark you as a reliable borrower, potentially unlocking better interest rates and exclusive Insta EMI Card offers. Check your offers now. You might already be eligible; find out by entering your mobile number and OTP for verification.
  • Manage debts effectively: The structured EMI system helps you plan finances without exceeding your means. The detailed amortisation schedule available online provides complete visibility of your repayment journey, making it easier to track your Insta EMI Card payments.
  • Avoid missed payments: The straightforward online payment process minimises the risk of forgotten due dates, protecting your creditworthiness and ensuring uninterrupted access to your Bajaj Finserv Insta EMI Card benefits.

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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 questions

What happens when I miss an EMI payment?

Missing the Insta EMI Card payment affects your credit score and results in a negative impact on your credit report. It also leads to late payment fees imposed by your lender.

How can I pay my EMI due?

You can pay the Bajaj Finance Insta EMI Card outstanding amount by visiting our customer portal – My Account. The Bajaj Finserv Insta EMI Card offers multiple convenient payment options to suit your preferences, including net banking, debit card, UPI, and digital payment apps. Check your eligibility for the Bajaj Finserv Insta EMI Card today. You may already be eligible, find out by entering your mobile number and OTP.

Do missing EMI payments affect my credit score?

Yes, missing EMI payments impacts your credit score. A record of the missed Bajaj Finance Insta EMI Card payment is documented in your credit report as a 'black mark' or 'red flag'. This can make it difficult for you to get approved for a loan in the future.

What is the average late payment charge for missed EMIs?

The late payment charge levied by Bajaj Finance for missed EMIs is 3.50% per month on the outstanding amount. In case of default of repayment instrument Rs. 500 per bounce will be levied.

Check how to apply for Insta EMI Card

How to make Bajaj EMI payment online?

To make Bajaj EMI payment online, log in to the Bajaj Finserv My Account portal or mobile app, select the payment option, and use methods like debit/credit cards, UPI, or net banking.

How can I check my Bajaj EMI status?

You can check your Bajaj EMI status by logging into the My Account portal or mobile app. Navigate to your loan account details under "Account Information" to view payment history, outstanding dues, and upcoming EMIs.

Can I pay my EMI online?

Online EMI payments are just one of the many conveniences that the Insta EMI Card offers. With it, you get access to a comprehensive digital payment ecosystem. Bajaj EMI payments can be made online through multiple platforms such as the My Account portal, mobile apps, or using net banking, debit/credit cards, and UPI services. Check your offer for the Bajaj Finserv Insta EMI Card now. You may already be eligible, find out by entering your mobile number and OTP.

What if Bajaj Finserv EMI bounces?

If a Bajaj Finserv EMI bounces, penalties may apply. It can impact your credit score and incur late fees. Ensure sufficient balance in your account to avoid such issues. Contact customer service for resolution if needed.

Can I pay EMI after the due date?

EMIs can generally be paid after the due date with late fees and penalties. Use online platforms like My Account or apps to clear overdue payments promptly to minimise financial impact.

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