Bajaj Finserv Insta EMI Card

The Bajaj Finserv Insta EMI Card is a financing solution that allows you to shop for 1 million products on No Cost EMIs. With the Insta EMI Card, you get a pre-approved loan limit of up to Rs. 3 lakh that you can use to shop at 1.5 lakh EMI Network partner stores across 4,000+ cities. You also get to choose a flexible repayment tenure of up to 60 months for your purchase.

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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.

  • Still have not found what you are looking for? Click on any of the links at the top of this page.

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Eligibility criteria and documents required for Bajaj Finserv Insta EMI Card

Anyone can get an Insta EMI Card as long as you meet the basic criteria mentioned below. If you meet the criteria, you will need a set of documents to complete your application process.

Eligibility criteria

  • Nationality: Indian
  • Age: 21 years to 65 years
  • Income: You must have a regular source of income
  • Credit score: 720 or higher

Documents required

  • PAN Card
  • Aadhaar Card number for KYC confirmation
  • Address proof
  • Bank account number and IFSC code for e-mandate registration

  • Did you know?

    You can shop for 1 million+ products across 4,000+ cities with the card.

  • Did you know?

    There are over 1.5 lakh EMI Network partner stores where you can shop using the card.

  • Did you know?

    Shopping on EMI can also help improve your CIBIL Score if your EMIs are paid on time.

  • Did you know?

    The Insta EMI Card is a digital card which you can also avail of via a 100% digital application process.

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.

Pre-approved offers for new customers

Both our new and existing customers can choose from pre-approved offerings. All we need is your mobile number to check.

You do not have to go through the complete application procedure if you are one of our customers who has been pre-approved. Consider it our green channel.

You might not require a card right now or might not have a pre-approved offer. You can still pick from a variety of offerings:

  • Examine your credit standing

    Examine your credit standing

    Some of the most crucial factors for you are your credit health and CIBIL score. Get our Credit Health Report to keep your credit in tip-top shape.

    Check your CIBIL score for free

  • Insurance in your pocket to cover every life event

    Insurance in your pocket to cover every life event

    In order to cover all of your life's events, including trekking, monsoon-related illnesses, car key loss/ damage, and more, we offer more than 500 insurance covers starting at just Rs. 199.

    Discover Insurance Mall

  • Create a Bajaj Pay Wallet

    Create a Bajaj Pay Wallet

    The only four-in-one wallet in India that allows you to pay or transfer money using your digital wallet, a credit card, and UPI.

    Download Bajaj Pay

  • Start an SIP with just Rs. 500 per month

    Start an SIP with just Rs. 500 per month

    Pick from over 900 mutual funds across 40 companies, such as SBI, Aditya Birla, HDFC, HDFC, ICICI Prudential Mutual Fund, and more.

    Discover Investment Mall

Insta EMI Card Applicable fees and charges

The following charges are applicable on Insta EMI Card/ EMI Network Card

Type of fee

Applicable charges

EMI Network Card fee

Rs. 530/- (inclusive of applicable taxes)

Online convenience fee

Rs. 69/- (inclusive of applicable taxes) applicable to customers who avail Insta EMI Card exclusively through digital mode.

EMI Network Card loan limit enhancement fee

Rs. 117/- (inclusive of applicable taxes)

EMI Network Card Annual fee

Rs. 117/- (inclusive of applicable taxes). Annual fee will only be charged to the EMI Network Card holders who have not availed of 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 EMI Network Card. For an 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.

Add-on EMI Network Card fee

Rs. 199/- (inclusive of applicable taxes)

*Additional fees and charges will apply when utilising the EMI Network Card to avail of loans.

Frequently asked questions

Will I be able to use my Bajaj Finserv EMI Network Card at offline stores?

Yes. You can walk-in into any of our offline partner stores and get your product financed.

What is the Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card, also known as the EMI Network Card, allows you to convert all your purchases into No Cost EMIs. You can use it to shop for the latest products from our extensive network of partner stores across 4,000+ large and small cities, both offline and online, spanning a total of 1.5 lakh+ EMI Network partner stores.

Where all can I use my Bajaj Finserv Insta EMI Card?

You will be able to use your Bajaj Finserv Insta EMI Card at offline dealer stores near you, as well as on leading e-commerce sites in our partner network.

What merchant categories can the EMI Card be used for?

We can use the Insta EMI Card to shop for merchants like Croma, Vijay Sales, Reliance Digital, Home Town, and more. You can also use the Insta EMI Card to shop across our 1.5 lakh+ EMI Network partner stores.

How can I use the Bajaj Finserv Insta EMI Card?

You can use the Bajaj Finserv Insta EMI Card to shop for electronics, apparel, travel, groceries, home décor, and more. Using the Insta EMI Card is very easy. When you visit a partner/ Ecom store, select the product of your choice, choose your preferred repayment tenure, and provide your Insta EMI Card details during payment checkout; your purchase will be successfully converted into EMIs

How can I contact the Bajaj Finserv customer care?

You can contact us online via our customer portal ‘My Account’. You can also call us at +91 8698010101 for all your queries.

I am unable to transact with my Insta EMI Card. What could be the issue?

If you are unable to transact using the Insta EMI Card, your card might be blocked. You can check your card status on our customer portal My Account or the Bajaj Finserv app.
To check your card status:
Sign-in to My Account
Check your card status and the reason why your card is blocked
In case your card is not blocked please check if you have completed your e-mandate. If not, you can complete it online through My Account or offline by visiting any of our EMI Network partner stores near you.

How to unblock your Insta EMI Card?

If you have blocked your card in the past and want to use it again, you can unblock it by visiting our customer portal.

  • Sign-in to ‘My Account’ with your registered mobile number and the OTP.
  • Enter your date of birth for verification and proceed.
  • Select the card you want to unblock from ‘My Relations’.
  • Click on the option ‘Unblock Card’ from the ‘Quick Actions’ section.
  • Verify with an OTP sent to your registered mobile and proceed.

Get more details on how to block/unblock your Insta EMI Card.

What is the eligibility age for the Bajaj Finserv Insta EMI Card?

You can apply for the Insta EMI Card if you are between 21 years and 65 years of age.
Click here to apply for the Insta EMI Card.

What documents are required to get the Bajaj Finserv Insta EMI Card?

No physical documents are required to get the Bajaj Finserv Insta EMI Card. You just need the following details:

  • PAN Card details
  • Aadhaar Card number for KYC confirmation
  • Bank account number and IFSC code for e-mandate registration
Is Bajaj EMI card interest free?

The Bajaj Finserv Insta EMI Card offers No Cost EMI plans. The No Cost EMI option allows customers to purchase certain products without incurring any interest charges. However, it is essential for customers to review the terms of their EMI plan to understand any associated interest charges.

What proofs are required for Bajaj EMI card?

To apply for a Bajaj Finserv Insta EMI Card, individuals typically need to provide certain documents as part of the application process. These documents may include:

  • Identity proof: Valid government-issued identification such as an Aadhaar card, PAN card, passport, or driver's license.
  • Address proof: Documents verifying the residential address, such as an Aadhaar card, utility bills, passport, or rent agreement.
  • Income proof: Proof of income may include salary slips, bank statements, income tax returns, or Form 16, depending on the requirements of Bajaj Finserv.

The specific documents required may vary depending on individual eligibility criteria and the policies of Bajaj Finserv. Individuals should check the official website or contact Bajaj Finserv directly for the most accurate and up-to-date information regarding document requirements for obtaining a Bajaj Finserv Insta EMI Card.

How do I register for my e-mandate?

To register for your e-mandate, you need to:

  1. Share your bank account number and IFSC code
  2. Verify all the details entered by you
  3. Submit OTP for validation purposes
What are the benefits of e-mandate registration?

By registering for your e-mandate, you will:

  • Never miss on your EMI payments with the auto-debit feature
  • Manage your loans in an efficient manner.
When will I receive my Insta EMI Card?

The Insta EMI Card is issued digitally and gets activated online instantly. Therefore, you will not receive a physical card; simply access it on the Bajaj Finserv app.

Where can I view my Insta EMI Card details?

You can view your card details on the Bajaj Finserv app.

How do I view my Insta EMI Card details on the Bajaj Finserv app?

If you are viewing your Insta EMI Card details for the first time, follow these simple steps:

  1. Open the Bajaj Finserv app
  2. Enter your mobile number
  3. Enter the OTP sent to your mobile number and tap on ‘SUBMIT’
  4. Enter your ‘Date of Birth’ (DOB) as per your PAN Card then tap on ‘SUBMIT’
  5. Click on the “EMI Card” icon at the top of the page
  6. Next, enter your DOB again and click on ‘Link to Proceed’
  7. Click on ‘VIEW’ under the Card Detail section to see your card details
Why do I need the Bajaj Finserv app for my Insta EMI Card?

With the Bajaj Finserv app, you can:

  • Access your Insta EMI Card and all related details
  • Get exclusive offers
What is the joining fee for the Insta EMI Card?

To get the Insta EMI card, you only have to pay a one-time Insta EMI Card fee of Rs. 599. Apply for the Bajaj Finserv Insta EMI Card.

Check all the EMI Card fees and charges

What merchant categories can the Insta 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:
What is the use of an Insta EMI Card?

Listed below are some of the uses of the Bajaj Finserv Insta EMI Card:

  1. Shop on EMI Without a Credit Card
    The Bajaj Finserv Insta EMI Card offers a pre-approved loan limit, allowing users to effortlessly convert the purchase cost of appliances, gadgets, and more into convenient and tailored instalments. Moreover, eligible products can be purchased via No Cost EMIs, rendering the shopping experience more economical.
  2. Shopping at Partner Stores
    The card extends its utility to offline purchases at over 1.5 lakh partner stores situated across 4,000 cities. Whether it is mobiles, laptops, furniture, or other products, shoppers can avail themselves of the benefits of EMI payment options.
  3. Easy Access via Portal
    Gone are the days of carrying physical cards everywhere. Access to the Insta EMI card is streamlined through the Bajaj Finserv wallet app or via management functionalities available on the online Bajaj Finserv customer portal.

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