Insta EMI Card

Insta EMI Card

Why get Insta EMI card from Bajaj Finserv?

  • Get your favourite products on No Cost EMIs
  • Shop with any of our 1 lakh+ offline partners or multiple online partners
  • Digital card is activated instantly

Get your Insta EMI Card

Complete the 3-step process and convert your purchases into No Cost EMIs

YOU CAN HAVE A CARD LIMIT OF UP TO

Rs. 2,00,000
XXXX XXXX XXXX XXXX
Member Since

XX/XXXX

Valid Till

XX/XXXX

Get your card in 3 easy steps

Verify your mobile number

+91
Enter your 10-digit mobile number
An OTP will be sent to this number for verification

Why do we need your phone number?

  • To register and send all future communication regarding Insta EMI Card
Please check

Rs. 530

Amount to be paid

Amount breakup

  • Card Fee

    Rs. 449
  • GST

    Rs. 81
  • Total Amount

    Rs. 530

*Annual fee of Rs. 117 will not be applicable if a loan is availed using EMI Network Card in the preceding year

OTP Sent

Enter the OTP sent to +91 XXXXXXXXXX

Enter One Time Password (OTP)
Enter a valid OTP

Resend OTP in 00:60 seconds

Benefits of the Insta EMI Card

100%

digital process

30 seconds

approval time

Instant

card activation

1mn+

products on No Cost EMIs

Up to 24 months

tenor options

3000+

locations covered

Multiple categories Use your Insta EMI Card to buy your favourite products on No Cost EMIs

LED TVs

Smartphones

Refrigerators

ACs

Fashion

Furniture

Microwave Ovens

Sofas

Travel

Washing Machines

Fees & Charges

Fees & Charges

Lorem Ipsum is simply dummy text of the printing and

Done
  • Card Fee Rs. 449
  • GST Rs. 81
  • Total Rs. 530

*Annual fee of Rs. 117 will not be applicable if a loan is availed using EMI Network Card in the preceding year

Anurag Gaur

Reviewed on 12 December 2020

“Through the Insta EMI Card, I purchased an LED TV and a smartphone at no additional cost. Now my limit is enhanced with timely repayments. This is the best card in the market.”

Vijay Attarde

Reviewed on 24 March 2021

“With this card, I bought a washing machine and refrigerator on zero down payment. The payment tenor is flexible, and I can repay in up to 24 months. There are a lot of product options on the Bajaj Mall. Really nice!”

Ketan Chhabra

Reviewed on 05 April 2021

“I bought a 1.5 ton air conditioner recently with my Insta EMI Card. Thanks to No Cost EMIs, I can pay off the entire amount easily within the next 18 months.”

Nidhi Toke

Reviewed on 07 June 2021

“I have been using the Insta EMI Card since 2020. I can make my purchases online and offline at nearby stores and repay in easy, flexible instalments. I recommend everyone to get the Insta EMI Card.”

Sakshi Agarwal

Reviewed on 14 July 2021

"I got instant approval, verification, and activation for my Insta EMI Card. Now, I do not have to worry about hefty credit card bills as I can repay in easy monthly instalments of 24 months. Highly recommended!"

Satish Sugave

Reviewed on 27 August 2021

“With this card, I can buy whatever I want on No Cost EMIs. The best part is I received a shopping limit of Rs. 1,00,000. Also, all my details are safe, secure and can be only accessed by me.”

Shashwat Verma

Reviewed on 30 August 2021

“It took me just 3 minutes to get my Insta EMI Card. No delay in verification and no physical delivery to wait for. The application process was 100% online, smooth and ultra-safe.”

Akash Davange

Reviewed on 01 November 2021

“Unlike my other cards, the Insta EMI Card is always with me on my mobile. I can check it anytime on the Bajaj Finserv app. Also, the Bajaj Mall has made shopping more awesome.”

Rohit Rathore

Reviewed on 22 December 2021

“Fulfilled my mom’s wish list instantly! There are many products to choose from: smartphones, laptops, rocking chairs, dresses and apparel. I use this card online and at offline stores.”

Abey Mathew

Reviewed on 02 January 2022

“Got my new house upgraded with the latest appliances and home décor with the Insta EMI Card. Be it browsing online for ACs or gift stores; shopping is now easier and flexible.”

Insta EMI Card

By entering the one-time password (“OTP”) sent by Bajaj Finance Limited (“BFL”), I am expressing my interest in availing Bajaj-Finserv Existing Member Identification Number from BFL. I hereby confirm that I (i) am at least 18 years of age, (ii) can understand, read and access the world wide web / internet in English language, (iii) have read, understood and agree to be bound by the terms in this Form (“Application Form”). Further, I agree that my action of submission of the OTP sent by BFL, constitutes a valid acceptance by me of the terms and conditions contained herein, which shall have binding effect on me. Also, I understand that the terms provided below are contingent upon me providing all the details including but not limited to KYC related details or NACH related details as part of my application for EMI Network card, to the sole satisfaction of BFL and BFL may at its sole and absolute discretion, without assigning any reasons, may accept or reject my application for availing EMI Network Card In the event my application for availing the EMI Network Card is approved by BFL, I understand, acknowledge and agree that my application and EMI Network Card shall be governed by the Terms and Conditions provided herein.

GENERAL TERMS & CONDITIONS

I. CUSTOMER’S REPRESENTATIONS:

I hereby state, confirm and agree as under:

  1. That I have applied for Bajaj-Finserv Existing Member Identification Number (“EMI Network Card / INSTA EMI CARD”) of type as specified in this form (“Application Form”), from Bajaj Finance Limited (“BFL”).
  2. That I hereby unconditionally acknowledge and accept that:
    1. the EMI Network Card may be issued by BFL either in physical or electronic form.
    2. All particulars, information and details/information that I would provide in relation to my application would be true, correct and up to date in all respect and that I would not withheld any material information and I would be obligated to keep BFL immediately updated of any change in the information provided by me.
    3. I hereby authorize BFL to verify/check/obtain/download my KYC details from the CKYC Registry; (i) by verifying such details through the CKYC number (i.e. KYC Identifier Number- KIN) provided by me or (ii) by obtaining such CKYC number/KIN, through details shared by me as part of this Application Form.
    4. In the event, KYC is processed through OKYC, I hereby voluntarily consent at my own discretion to share the XML file containing my Aadhaar information to BFL & its permitted assigns / affiliates for the purpose of establishing my identity through such acceptable manner in terms of UIDAI guidelines or under any Act of law from time to time. I hereby also expressly declare that:
      1. My XML file containing my Aadhaar details will be used for KYC (Know Your Customer) purposes only to avail financial facilities from BFL and that the information submitted by me to BFL shall not be used for any other purpose, unless the same is required under any law;
      2. During offline verification process, my information such as Name, Photo, Date of Birth, Email ID, Mobile Number, Age, Gender, and address may be verified by BFL,
      3. I will be required to submit any other officially valid document (OVD) / Deemed to be OVD in place of Aadhaar.
    5. I shall submit any/all documents, in such form and manner as may be required by BFL in relation to my application, including but not limited to details as may be required for completion of my KYC requirement by BFL. Further in case of any changes in my registered KYC or bank account details, I will promptly update such changes with BFL.
    6. I shall make payment of the applicable fee and/or charges, as specified herein by BFL with respect to EMI Network Card and as more specifically detailed under Annexure I, below or such other fees/charges as provided on https://www.bajajfinserv.in/all-fees-and-charges-new#iec.
    7. I hereby agree to pay the Joining Fee as detailed under Annexure I below to BFL, for availing the EMI Network Card, however in case I wish to avail the “pay at store” option for payment of Joining Fee or such other fee as detailed under Annexure I, than same shall added to the first Monthly Installment or first down payment of the loan availed through EMI Network Card.
    8. I understand that my application shall be rejected by BFL, if all the documents as required by BFL are not furnished (in such form and manner acceptable to BFL), within the aforementioned timeline.
    9. I understand that the aforesaid fee and/or charges are subject to changes and are non-refundable and non-transferable.
    10. That I have read and understood the Master Terms and Conditions applicable to Loans for Consumer Durable, Digital, Life style products & EMI Network Cards (“Master Terms”) prescribed by BFL and available on website: https://www.bajajfinserv.in/ consumer-durables_master_t-and-c_english.pdf and understand the applicability of the same for issuance and usage of EMI Network Card and hereby agree to be bound by the same at all times including any additions/amendments thereto from time to time. I agree to keep myself updated of any revisions in the Master Terms as may be communicated by BFL through any Acceptable Means of Communication (as defined in the Master Terms).
    11. k) I shall keep my credentials including the login id and password/PIN issued by BFL and/or reset by me (“Credential”) as confidential and not to share the same with any person/third party. Any use or misuse of the credentials including the transactions carried out using the credentials shall be my sole responsibility and BFL shall not be held responsible for any loss/damage incurred on account of such use or misuse.
  3. I authorize BFL
    1. To exchange, share or part with all information relating to this application to credit bureaus/credit reference agencies, its group companies, financial institutions, Credit Information Companies (‘CIC’), Central KYC Registry (CERSAI) or any authorized third-party agency as BFL may deem necessary or appropriate for use or processing of the said information and shall not hold BFL or any of its group companies or its/ their agents/representatives) liable for use/sharing of the information as stated above.
    2. To seek/obtain any other information, relating to me, from any third party.
    3. To procure/avail my CIBIL report and provide it to me by deducting applicable charges for the same
    4. To share certain information related to EMI Network Card, which may include my KYC and transaction details with its business associates (subject to confidentiality restrictions) for integrating the EMI Network Card usage on such business associate’s website/ wallet, etc. as may be required for facilitating my use of EMI Network Card.
  4. I hereby expressly consent for paying a Loan Enhancement Fee, in case where BFL allows to approve the Loan transaction amount over and above my EMI Card loan limit, as per its internal risk/credit policies and at its sole and absolute discretion. It is hereby clarified that payment of such fee would not enhance my overall EMI card loan limit. Further I agree that payment of such fee would be added to the first emi/monthly installment of my Loan transaction
  5. I hereby authorize group companies, affiliates and/or business associates of BFL and their respective representatives to send me communications regarding loans, insurance and third-party products and services, availed by me through this Application Form, through telephone calls/SMSs/emails/post/WhatsApp etc. including but not limited to promotional communications. I understand that I can at any time opt to withdraw my consent to receive any communication.
  6. That this Application Form, together with all its contents may be submitted to/contained herein:
    1. The subsidiaries, group companies, partners affiliates of BFL, any service provider/third party with reference to rendering services in connection with the product(s) availed by me.
    2. to any Regulator, Court, Law enforcement agency, Quasi-Judicial authority etc. on a need to need basis.

II. EMI NETWORK CARD TERMS:

  1. EMI Network Card is neither a credit card nor a stored value card, etc. and is used only for authentication of Customer’s identity while providing the Loan.
  2. All EMI Network Cardholders, who have not availed loan using the EMI Network Card in the preceding year, will be charged an Annual Fee, as detailed in Annexure I below. Preceding year will be calculated starting the issuance month mentioned on the EMI Network Card. In case the Customer uses the EMI Network Card for availing the Loan within the stipulated time period as prescribed by BFL, then the Annual Fee levied shall be refunded.
    1. 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.
  3. For each valid transaction initiated and approved by the BFL on the EMI Network Card, a new Loan account will be created by BFL, provided that BFL may at its sole discretion reject such transaction initiated through the EMI Network Card. Further BFL may require additional documentation from the Customer for approving the said loan transaction.
  4. BFL may at any time, at its sole discretion and without assigning any reason, decide to withdraw the EMI Network Card service and/ or terminate any specific EMI Network Card and will have no liability to the EMI Network Card-holder or any other person in this regard.
  5. BFL is not an issuer/provider of the products purchased/services availed by the Customer through the EMI Network Card. Accordingly, BFL shall not be responsible for the quality or any assurances and/or representations made in relation to such products/services provided by third parties. BFL shall not be liable for any delay in delivery or no-delivery of product and/or with respect to the quantity, quality, conditions, fitness, suitability or otherwise whatsoever of the product.
  6. The NACH mandate given by Customer in favour of BFL can be used to recover all Outstanding amount including fees, penalties, cost and other applicable charges in connection with any Loan availed by the Customer from BFL.
  7. Terms used but not defined herein shall have the meaning ascribed to them in the Master Terms
  8. In the event of an unauthorized access to or use of an EMI Network Card, EMI Network Cardholder shall immediately inform BFL and call/write to BFL’s Customer Care on 8698010101 and request for blocking the earlier EMI Network Card.
  9. BFL Customer Care Contact details:
    • For any queries, visit our website  https://www.bajajfinserv.in/reach-us. Select the <Email Us> tab and follow the directions to get your query resolved.
    • EMI Network Cardholders may also call BFL Customer Care for any grievances/queries related to EMI Network Card at 8698010101. This is not a toll-free number and normal call charges will be applicable
  10. The Customer has given or shall give NACH mandate or any other electronic mandate in favor of BFL covering all the Outstandings. The NACH mandate or any other electronic mandate given or to be given in favour of BFL by the Customer holding the primary EMI Network Card, shall also cover all Outstandings in relation to the Add-on EMI Card linked to such Customer’s EMI Card.
  11. The Customer shall observe and perform all the obligations as provided herein and as provided under the Master Terms. The EMI Customer holding the primary EMI Network Card shall observe and perform all obligations under the Master Terms in relation to the Loan(s) availed using the Add-on EMI Card linked to the primary EMI Network Card including but not limited to the terms governing repayment.
  12. The Customer hereby agrees and acknowledges to perform his/her first transaction through the EMI Network Card at physical partner store of BFL (i.e BFL empanaled merchants and dealers https://bit.ly/34K4bc8).

III. EMI NETWORK CARD USAGE:

  1. The usage of the EMI Network Card is subject to the terms and conditions mentioned in this application and Master Terms accessible on https://www.bajajfinserv.in/ consumer-durables_master_t-and-c_english.pdf as may be amended by BFL from time to time.
  2. The usage of the EMI Network Card would be construed as the deemed acceptance of the Master Terms controlling the EMI Network Card.
  3. By using the EMI Network Card, the customer may engage in the following transactions:
    1. use it for identification/authentication for availing finance facility from BFL.
    2. To avail loan for purchasing a Consumer Durable (CD) (LED, refrigerator, AC, smartphones, laptops etc.), Lifestyle (LSF) (furniture, life care elective procedures, educational services etc.) or Retail (apparel, footwear, small appliances, travel, coaching classes, hotels, flights, eyewear, accessories etc.) product, from outlets/stores owned and operated by Dealers & POS – Online & Offline, and such other products as may be authorized by BFL from time to time. (“Products”) from the Dealers empaneled with BFL on equated monthly instalments from BFL where EMI Network Card is available & authorized;
    3. enquire about the available loan amount for CD, LSF or Retail purchase; and/or enquire about personal loan eligibility and/or apply for the same at BFL’s call center, branch or online customer portal;
  4. EMI Network Card shall not be used for any unlawful / unauthorized purpose.
  5. By providing/entering the EMI Network Card number or by providing the registered mobile number of the cardholder (as per BFL’s records) at Merchant Counter or BFL’s branches or online platform, the issuance date and the name of the cardholder; where the Customer is required to show one photo identification card or enter his/her PIN or Transaction Code. Once the Customer identity is authenticated, the EMI Network Cardholder will receive an SMS providing the commercial terms of the proposed Loan being offered (“Transaction SMS”) and containing a specific numeric code (the “Transaction Code”).
  6. As a token of acceptance to the terms and conditions provided in the Transaction SMS, the customer shall convey his/her acceptance by entering the PIN or Transaction Code or OTP at the counter or BFL branch or OTP at the online platform, as the case may be.
  7. BFL would charge convenience/processing fees at its sole discretion on the Loan availed by customer using EMI Network Card, same would be communicated to the Customer through the Transaction SMS and shall be binding on the customer.
  8. Notwithstanding anything contained in these terms, this application and payment of Joining Fee by the Customer, use of EMI Network Card shall be subject to below terms:
    1. EMI Network Card cannot be used for purchase on eCommerce platforms and of retail (apparel, footwear, small appliances, travel, coaching classes, hotels, eyewear, accessories etc.) products, until successful registration of the NACH mandate for the loan availed by the Customer as per this Application Form, and
    2. BFL may at its sole, absolute discretion and on the basis of its internal policies (including but not limited to risk policies) reject any transaction/authorization initiated through EMI Network Card by the Customer

COMMUNICATIONS RELATED TERMS AND CONDITIONS

By submitting the OTP provided by BFL, I hereby expressly authorise BFL, its group companies, affiliates and/or business associates and their respective representatives to send me communications regarding loans, insurance and their respective products and/or services (collectively “Other Products”) through telephone calls/SMSs/emails/post/bots/bitly, etc. including but not limited to promotional communications. I agree and understand that such Other Products if availed, are governed by their own set of terms and conditions, which shall be in addition to and not in derogation to the terms and conditions prescribed by BFL herein. I understand that I can at any time opt not to receive any telecommunication.

Annexure-I

(Fee and Charges)

EMI NETWORK CARD / INSTA EMI CARD

EMI Network 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 in the 01st EMI
Loan Enhancement Fees Rs. 99/- + (Applicable taxes) will be added in the 01st EMI
Mandate Registration Charges Rs. 118/- (Inclusive of applicable taxes)
NACH/Cheque Bounce Charges Rs 450/- (Inclusive of applicable taxes)
Mandate Rejection Charges Rs. 450/- inclusive of applicable taxes. Will be applicable if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Customer’s Bank for any reasons whatsoever.
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/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.
Additional cess will be applicable in the state of Kerala

Insta EMI Card

Insta EMI Card

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Insta EMI Card

By clicking on “Submit” button, I am expressing my interest in availing Bajaj-Finserv Existing Member Identification Number from BFL. I hereby confirm that I (i) am at least 18 years of age, (ii) can understand, read and access the world wide web / internet in English language, (iii) have read, understood and agree to be bound by the terms in this Form (“Application Form”). Further, I agree that my action of clicking on “Submit” button, constitutes a valid acceptance by me of the terms and conditions contained herein and which shall have binding effect on me.

GENERAL TERMS & CONDITIONS

I. CUSTOMER’S REPRESENTATIONS:

I hereby state, confirm and agree as under:

  1. That I have applied for Bajaj-Finserv Existing Member Identification Number (“EMI Network Card / INSTA EMI CARD”) of type as specified in this form (“Application Form”), from Bajaj Finance Limited (“BFL”).
  2. That I hereby unconditionally acknowledge and accept that:
    1. the EMI Network Card may be issued by BFL either in physical or electronic form.
    2. All particulars, information and details/information provided by me in relation to my application are true, correct and up to date in all respect and that I have not withheld any material information and I am obligated to keep BFL immediately updated of any change in the information provided by me in this Application Form.
    3. I hereby authorize BFL to verify/check/obtain/download my KYC details from the CKYC Registry; (i) by verifying such details through the CKYC number (i.e. KYC Identifier Number- KIN) provided by me or (ii) by obtaining such CKYC number/KIN, through details shared by me for this Application Form.
    4. d) In the event, KYC is processed through OKYC, I hereby voluntarily consent at my own discretion to share the XML file containing my Aadhaar information to Bajaj Finance Limited (“BFL”) & its permitted assigns / affiliates for the purpose of establishing my identity through such acceptable manner in terms of UIDAI guidelines or under any Act of law from time to time. I hereby also expressly declare that:
      1. My XML file containing my Aadhaar details will be used for KYC (Know Your Customer) purposes only to avail financial facilities from BFL and that the information submitted by me to BFL shall not be used for any other purpose, unless the same is required under any law;
      2. During offline verification process, my information such as Name, Photo, Date of Birth, Email ID, Mobile Number, Age, Gender, and address may be verified by BFL,
      3. I will be required to submit any other officially valid document (OVD) / Deemed to be OVD in place of Aadhaar.
    5. I shall submit any/all documents, in such form and manner as may be required by BFL in relation to my application, including but not limited to details as may be required for completion of my KYC requirement by BFL. Further in case of any changes in my registered KYC or bank account details, I will promptly update such changes with BFL.
    6. I shall make payment of the applicable fee and/or charges, as specified herein by BFL with respect to EMI Network Card and as more specifically detailed under Annexure I, below.
    7. I hereby agree to pay the Joining Fee, as detailed under Annexure I below to BFL, for availing the EMI Network Card, however in case I wish to avail the “pay at store” option for payment of Joining Fee or such other fee as detailed under Annexure I, then same shall be added to the first Monthly Installment or first down payment of the loan availed through EMI Network Card.
    8. h) I understand that on acceptance of these terms and conditions, I will be shown/provided my tentative loan eligibility (“Tentative Eligibility”). Further I understand that this Tentative Eligibility is not my final loan eligibility, and my final eligibility would be communicated to me after submission/verifications of any/all documents/details related to KYC compliance (if any), NACH mandate registration/e-mandate registration (as the case may be) and such other documents as BFL may require.
    9. I understand that the aforesaid fee and/or charges are subject to changes and are non-refundable and non-transferable.
    10. BFL has the sole and absolute discretion, without assigning any reasons to accept or reject my application for availing EMI Network Card.
    11. That I have read and understood the Master Terms and Conditions applicable to Loans for Consumer Durable, Digital, Life style products & EMI Network Cards (“Master Terms”) prescribed by BFL and available on website: https://www.bajajfinserv.in/consumer-durables_master_t-and-c_english.pdf and understand the applicability of the same for issuance and usage of EMI Network Card and hereby agree to be bound by the same at all times including any additions/amendments thereto from time to time. I agree to keep myself updated of any revisions in the Master Terms as may be communicated by BFL through any Acceptable Means of Communication (as defined in the Master Terms).
    12. I shall keep my credentials including the login id and password/PIN issued by BFL and/or reset by me(“Credential”) as confidential and not to share the same with any person/third party. Any use or misuse of the credentials including the transactions carried out using the credentials shall be my sole responsibility and BFL shall not be held responsible for any loss/damage incurred on account of such use or misuse.
  3. I authorize BFL
    1. To exchange, share or part with all information relating to this application to credit bureaus/credit reference agencies, its group companies, financial institutions, Credit Information Companies (‘CIC’), Central KYC Registry (CERSAI) or any authorized third-party agency as BFL may deem necessary or appropriate for use or processing of the said information and shall not hold BFL or any of its group companies or its/ their agents/representatives) liable for use/sharing of the information as stated above.
    2. To seek/obtain any other information, relating to me, from any third party.
    3. To procure/avail my CIBIL report and provide it to me by deducting applicable charges for the same
    4. To share certain information related to EMI Network Card, which may include my KYC and transaction details with its business associates (subject to confidentiality restrictions) for integrating the EMI Network Card usage on such business associate’s website/ wallet, etc. as may be required for facilitating my use of EMI Network Card.
  4. I hereby expressly consent for paying a Loan Enhancement Fee, in case where BFL allows to approve the Loan transaction amount over and above my EMI Card loan limit, as per its internal risk/credit policies and at its sole and absolute discretion. It is hereby clarified that payment of such fee would not enhance my overall EMI card loan limit. Further I agree that payment of such fee would be added to the first emi/monthly installment of my Loan transaction
  5. I hereby authorize group companies, affiliates and/or business associates of BFL and their respective representatives to send me communications regarding loans, insurance and third-party products and services, availed by me under this Application Form, through telephone calls/SMSs/emails/post/WhatsApp etc. including but not limited to promotional communications. I understand that I can at any time opt to withdraw my consent to receive any communication.
  6. That this Application Form, together with all its contents may be submitted to:
    1. The subsidiaries, group companies, partners affiliates of BFL, any service provider/third party with reference to rendering services in connection with the product(s) availed by me.
    2. to any Regulator, Court, Law enforcement agency, Quasi-Judicial authority etc. on a need to need basis.

II. EMI NETWORK CARD TERMS:

  1. EMI Network Card is neither a credit card nor a stored value card, etc. and is used only for authentication of Customer’s identity while providing the Loan.
  2. All EMI Network Cardholders, who have not availed loan using the EMI Network Card in the preceding year, will be charged an Annual Fee, as detailed in Annexure I below. Preceding year will be calculated starting the issuance month mentioned on the EMI Network Card. In case the Customer uses the EMI Network Card for availing the Loan within the stipulated time period as prescribed by BFL, then the Annual Fee levied shall be refunded.
    1. 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.
  3. For each valid transaction initiated and approved by the BFL on the EMI Network Card, a new Loan account will be created by BFL, provided that BFL may at its sole discretion reject such transaction initiated through the EMI Network Card. Further BFL may require additional documentation from the Customer for approving the said loan transaction.
  4. BFL may at any time, at its sole discretion and without assigning any reason, decide to withdraw the EMI Network Card service and/ or terminate any specific EMI Network Card and will have no liability to the EMI Network Card-holder or any other person in this regard.
  5. BFL is not an issuer/provider of the products purchased/services availed by the Customer through the EMI Network Card. Accordingly, BFL shall not be responsible for the quality or any assurances and/or representations made in relation to such products/services provided by third parties. BFL shall not be liable for any delay in delivery or no-delivery of product and/or with respect to the quantity, quality, conditions, fitness, suitability or otherwise whatsoever of the product.
  6. The NACH mandate given by Customer in favour of BFL can be used to recover all Outstanding amount including fees, penalties, cost and other applicable charges in connection with any Loan availed by the Customer from BFL.
  7. Terms used but not defined herein shall have the meaning ascribed to them in the Master Terms
  8. In the event of an unauthorized access to or use of an EMI Network Card, EMI Network Cardholder shall immediately inform BFL and call/write to BFL’s Customer Care on 8698010101 and request for blocking the earlier EMI Network Card.
  9. BFL Customer Care Contact details:
    • For any queries, visit our website https://www.bajajfinserv.in/reach-us. Select the <Email Us> tab and follow the directions to get your query resolved.
    • EMI Network Cardholders may also call BFL Customer Care for any grievances/queries related to EMI Network Card at 8698010101. This is not a toll-free number and normal call charges will be applicable
  10. The Customer has given or shall give NACH mandate or any other electronic mandate in favor of BFL covering all the Outstanding’s. The NACH mandate or any other electronic mandate given or to be given in favour of BFL by the Customer holding the primary EMI Network Card, shall also cover all Outstanding’s in relation to the Add-on EMI Card linked to such Customer’s EMI Card.
  11. The Customer shall observe and perform all the obligations as provided herein and as provided under the Master Terms. The EMI Customer holding the primary EMI Network Card shall observe and perform all obligations under the Master Terms in relation to the Loan(s) availed using the Add-on EMI Card linked to the primary EMI Network Card including but not limited to the terms governing repayment.
  12. The Customer hereby agrees and acknowledges to perform his/her first transaction through the EMI Network Card at physical partner store of BFL (i.e BFL empanelled merchants and dealers https://bit.ly/34K4bc8 ).

III. EMI NETWORK CARD USAGE:

  1. The usage of the EMI Network Card is subject to the terms and conditions mentioned in this application and Master Terms accessible on https://www.bajajfinserv.in/consumer-durables_master_t-and-c_english.pdf as may be amended by BFL from time to time.
  2. The usage of the EMI Network Card would be construed as the deemed acceptance of the Master Terms controlling the EMI Network Card.
  3. By using the EMI Network Card, the customer may engage in the following transactions:
    1. use it for identification/authentication for availing finance facility from BFL.
    2. To avail loan for purchasing a Consumer Durable (CD) (LED, refrigerator, AC, smartphones, laptops etc.), Lifestyle (LSF) (furniture, life care elective procedures, educational services etc.) or Retail (apparel, footwear, small appliances, travel, coaching classes, hotels, flights, eyewear, accessories etc.) product, from outlets/stores owned and operated by Dealers & POS – Online & Offline, and such other products as may be authorized by BFL from time to time. (“Products”) from the Dealers empaneled with BFL on equated monthly instalments from BFL where EMI Network Card is available & authorized;
    3. enquire about the available loan amount for CD, LSF or Retail purchase; and/or enquire about personal loan eligibility and/or apply for the same at BFL’s call center, branch or online customer portal;
  4. EMI Network Card shall not be used for any unlawful / unauthorized purpose.
  5. 5) By providing/entering the EMI Network Card number or by providing the registered mobile number of the cardholder (as per BFL’s records) at Merchant Counter or BFL’s branches or online platform, the issuance date and the name of the cardholder; where the Customer is required to show one photo identification card or enter his/her PIN or Transaction Code. Once the Customer identity is authenticated, the EMI Network Cardholder will receive an SMS providing the commercial terms of the proposed Loan being offered (“Transaction SMS”) and containing a specific numeric code (the “Transaction Code”).
  6. As a token of acceptance to the terms and conditions provided in the Transaction SMS, the customer shall convey his/her acceptance by entering the PIN or Transaction Code or OTP at the counter or BFL branch or OTP at the online platform, as the case may be.
  7. BFL would charge convenience/processing fees at its sole discretion on the Loan availed by customer using EMI Network Card, same would be communicated to the Customer through the Transaction SMS and shall be binding on the customer.
  8. Notwithstanding anything contained in these terms, this application and payment of Joining Fee by the Customer, use of EMI Network Card shall be subject to below terms:
    1. EMI Network Card cannot be used for purchase on eCommerce platforms and of retail (apparel, footwear, small appliances, travel, coaching classes, hotels, eyewear, accessories etc.) products, until successful registration of the NACH mandate for the loan availed by the Customer as per this Application Form, and
    2. BFL may at its sole, absolute discretion and on the basis of its internal policies (including but not limited to risk policies) reject any transaction/authorization initiated through EMI Network Card by the Customer

COMMUNICATIONS RELATED TERMS AND CONDITIONS

By submitting this Application Form, I hereby expressly authorise BFL, its group companies, affiliates and/or business associates and their respective representatives to send me communications regarding loans, insurance and their respective products and/or services (collectively “Other Products”) through telephone calls/SMSs/emails/post/bots/bitly, etc. including but not limited to promotional communications. I agree and understand that such Other Products if availed, are governed by their own set of terms and conditions, which shall be in addition to and not in derogation to the terms and conditions prescribed by BFL herein. I understand that I can at any time opt not to receive any telecommunication.

Annexure-I

(Fee and Charges)

EMI NETWORK CARD / INSTA EMI CARD

EMI Network 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 in the 01st EMI
Loan Enhancement Fees Rs. 99/- + (Applicable taxes) will be added in the 01st EMI
Mandate Registration Charges Rs. 118/- (Inclusive of applicable taxes)
NACH/Cheque Bounce Charges Rs 450/- (Inclusive of applicable taxes)
Mandate Rejection Charges Rs. 450/- inclusive of applicable taxes. Will be applicable if new mandate form is not registered within 30 days from the date of rejection of previous mandate form by Customer’s Bank for any reasons whatsoever.
Penal interest Any delay in payment of Monthly Instalment/EMI shall attract penal interest at the rate of 4% per month on the Monthly Instalment/EMI outstanding, from the date of default until the receipt of Monthly Instalment/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.
Additional cess will be applicable in the state of Kerala

Insta EMI Card

Insta EMI Card

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CONGRATULATIONS. YOUR APPROVED INSTA EMI CARD LIMIT IS

XX
XXXX XXXX XXXX XXXX
Valid From

XX/XXXX

Valid Till

XX/XXXX

You're just 2 steps away

We need to verify your KYC to process your card

Insta EMI Card

Insta EMI Card

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Step 02 / 03 Verify your Details
  • Instant Approval

  • Verify Details

  • Activate

Address Details

Kindly update your current address. Address proof needs to be submitted during your first transaction.

Update address

Enter a valid address
Enter a valid address
Enter a valid address
Enter a valid address
Enter valid PIN Code
Enter valid PIN Code
Enter valid city
Enter valid city
Enter valid state
Enter valid state

Insta EMI Card

Insta EMI Card

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Step 03 / 03 Activate
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Summary

  • Total card limit

    Rs. 1,00,000
  • First transaction loan limit

    Rs. 40,000

    First transaction loan limit

    This will be your limit only for the first transaction

Use your Insta EMI Card at

  • Partner stores

    Shop at any of our 1 lakh+ partner stores

  • Bajaj Finserv online store

    Shop online at bajajmall.in on No Cost EMIs

  • E-commerce partners

    Shop at any of our online partner websites like Amazon, Flipkart etc.

Rs. 530 Amount to be paid

Amount breakup

  • Card Fee

    Rs. 449
  • GST

    Rs. 81
  • Total Amount (one-time)

    Rs. 530

Insta EMI Card

Insta EMI Card

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Step 03 / 03 Activate
  • Instant Approval

  • Verify Details

  • Activate

Payment Successful

You have successfully made a payment of Rs. XXX towards your joining fee of EMI Network Card.

  • Transaction reference no.

    EMI12345678900123
  • Transaction status

    Successful

One step away from instant activation

Register your e-mandate now and activate your Insta EMI Card

How does this help?

  • You never miss an EMI with the auto-debit feature

  • Loans are managed conveniently

  • No documents required at purchase

Save Your Card

Saved card details ensure a better shopping experience

Insta EMI Card

Insta EMI Card

Need assistance?

XXXX XXXX XXXX XXXX
Valid From

XX/XXXX

Valid Till

XX/XXXX

Your Insta EMI Card has been activated successfully

Visit the Bajaj Mall now and start shopping for your favourite products

Shop Now

Card Details

  • Card status

    Active
  • Card number

  • Total loan limit

    Rs. 1,00,000
  • First transaction loan limit

    Rs. 1,00,000
  • E-mandate registered

    View details

Download Your Insta EMI Card

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Other products you might be interested in

E-Mandate Details

  • Mandate Ref Number 12345678912345
  • Mandate Date 23 Oct 2021
  • Transaction Ref Number 123412341234
Got It

Insta EMI Card

Insta EMI Card
XXXX XXXX XXXX XXXX
Valid From

XX/XX

Valid Till

XX/XX

Your Insta EMI Card is ready to download !

Activate your card to use it for online & offline transactions

Card Details

  • Card Status

    Active
  • Card Number

Your e-mandate process is not yet complete.

  • Total card limit

    Rs. 1,00,000
  • First transaction loan limit

    Rs. 1,00,000
  • E-Mandate Registered

    Not registered

Download your Insta EMI Card

View and manage your card on Bajaj Finserv App Download App

Insta EMI Card

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Payment failed

Rs. 873 ORDER ID A6699871663

Insta EMI Card

22 November 2020, 6:45 PM
We could not process your payment currently. Try another payment method. Retry Payment
Transaction Reference Number

PTUV7829001836

If any amount has been deducted from your account, it will get reversed within 24hrs.

Insta EMI Card

FAQs

What is the Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card is a payment instrument that lets you convert all your purchases into No Cost EMIs. The Insta EMI Card involves a 100% online application process and is activated instantly for you.

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

If you are between 21 and 65 years of age, you can apply for Bajaj Finserv Insta EMI Card.

What documents do I need to submit to get an Insta EMI Card?

No documents are needed to get your Insta EMI Card. All you need to do is, keep the following details ready:

  1. PAN Card
  2. Aadhaar number for KYC confirmation
  3. Bank a/c number and IFSC code for e-mandate registration

How do I register my e-mandate?

To register your e-mandate, you need to:

  1. Share your bank account 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 your e-mandate, you will:

  • Never miss on your EMI payments with the auto-debit feature
  • Manage your loans in an efficient manner
  • Not be required to submit documents at the time of purchase

How do I use the Bajaj Finserv Insta EMI Card?

Just like the EMI Network Card, you can shop using the Insta EMI Card at any of our online and offline partner stores on No Cost EMIs. All you need to do is provide your card details and verify your purchase with an OTP sent to your registered mobile number.

When will I receive my Insta EMI Card?

The Insta EMI Card is a digital card, that 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?

Follow the below mentioned steps:

  1. Download the app
  2. Enter your registered mobile number
  3. Submit the OTP sent to your mobile number
  4. Click on 'KNOW MORE'
  5. Enter your date of birth
  6. View your Insta EMI Card

Why do I need the Bajaj Finserv app for my Insta EMI Card?

With the Bajaj Finserv app, you can:

  1. Access your Insta EMI Card and all related details
  2. Avail offers

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You already have an EMI Network Card. Download Bajaj Finserv App and explore financial services on the go. Click on Download your EMI Network Card.

Exclusive offers for you

Exclusive offer for limited period

Get cover from fraud & unauthorized transactions upto Rs. 2 lacs.

Also get 1 year subscription

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Aditya Birla Group Active Health Insurance

Get yourself covered with Aditya Birla Group Active Health Insurance at only Rs. 4 per day*

Need assistance?

Frequently asked questions

What is the Bajaj Finserv Insta EMI Card?

The Bajaj Finserv Insta EMI Card is a payment instrument that lets you convert all your purchases into No Cost EMIs. The Insta EMI Card involves a 100% online application process and is activated instantly for you.

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

If you are between 21 and 65 years of age, you can apply for Bajaj Finserv Insta EMI Card.

What documents do I need to submit to get an Insta EMI Card?

No documents are needed to get your Insta EMI Card. All you need to do is, keep the following details ready:

  1. PAN Card
  2. Aadhaar number for KYC confirmation
  3. Bank a/c number and IFSC code for e-mandate registration

How do I register my e-mandate?

To register your e-mandate, you need to:

  1. Share your bank account 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 your e-mandate, you will:

  • Never miss on your EMI payments with the auto-debit feature
  • Manage your loans in an efficient manner
  • Not be required to submit documents at the time of purchase

How do I use the Bajaj Finserv Insta EMI Card?

Just like the EMI Network Card, you can shop using the Insta EMI Card at any of our online and offline partner stores on No Cost EMIs. All you need to do is provide your card details and verify your purchase with an OTP sent to your registered mobile number.

When will I receive my Insta EMI Card?

The Insta EMI Card is a digital card, that 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?

Follow the below mentioned steps:

  1. Download the app
  2. Enter your registered mobile number
  3. Submit the OTP sent to your mobile number
  4. Click on 'KNOW MORE'
  5. Enter your date of birth
  6. View your Insta EMI Card

Why do I need the Bajaj Finserv app for my Insta EMI Card?

With the Bajaj Finserv app, you can:

  1. Access your Insta EMI Card and all related details
  2. Avail offers