The Bajaj Finance EMI Network Card, also known as Insta EMI Card, is a financing solution that helps you fund a variety of purchases including clothing, furniture, kitchen appliances and more. With our EMI Network Card, you can split your shopping bills into easy EMIs (equated monthly instalments).
When you apply for an EMI Network Card, a loan limit is assigned to you. You can use this loan limit to shop for your favourite products. With our EMI Network Card, you can get a maximum limit of 3 lakh. The limit you qualify for depends on various factors including your CIBIL Score, your repayment history and more.
Every time you make a purchase using your EMI Network Card, your spending limit reduces, and a new loan account is created for that product. You repay the loan amount through EMIs over the selected tenure. As you start paying your EMIs, your loan limit is reinstated, allowing you to make easy subsequent purchases with the EMI Network Card.
For instance, Ravi has an EMI Network Card with a loan limit of up to Rs. 1 lakh. He purchased a sofa worth Rs. 60,000 using this card, his available loan limit will now be Rs. 40,000. However, as he starts paying regular and timely EMIs, his available loan limit will start increasing. In case if he has paid a few EMIs and repaid Rs. 10,000 of the total loan amount, his available limit will then become Rs. 50,000.
Factors that affect your Bajaj EMI Card limit
Your Bajaj EMI Card limit is decided based on multiple factors. Bajaj Finance reviews your profile, repayment behaviour, and eligibility details before assigning or updating the available limit.
| Factor | How it affects your EMI Card limit |
|---|---|
| Credit score | A good credit score and repayment record may help maintain a better card limit. |
| Repayment history | Paying EMIs on time shows responsible credit behaviour and can impact your eligibility. |
| Income details | Your income helps determine your ability to manage future EMI payments. |
| Existing loans | Active loans and current financial obligations may affect the available limit. |
| Customer profile | Bajaj Finance may review your overall relationship, account details, and internal eligibility criteria. |
| Policy checks | Your card limit may change based on periodic reviews and company policies. |
You can check your current EMI Card limit through the Bajaj Finance app or customer portal.
How to check your Bajaj EMI Card limit online
You can quickly check your Bajaj EMI Card limit using the Bajaj Finance app or website. Simply log in to your account, navigate to the ‘EMI Card’ section, and view your available and total credit limits. This helps in planning purchases and managing repayments effectively.
You can check your available loan limit by visiting our customer portal – My Account. Follow these simple steps to view your available EMI Network Card limit.
- Click on the ‘Sign-in’ button on this page to go to My Account – Bajaj Finance customer portal
- Sign-in with your registered mobile number and the OTP.
- Enter your date of birth for verification and proceed.
- Select your card from the ‘My Relations’ section.
- Find card details such as available loan limit, validity and more.
How to increase your Bajaj EMI Card limit: Step-by-step
Increasing your Bajaj EMI Card limit is straightforward if you follow these steps:
- Log in to your account – Use the Bajaj Finance app or website to access your EMI Card account.
- Navigate to Limit Enhancement – Go to the EMI Card section and select ‘Increase Limit’.
- Check eligibility – Ensure you have a good repayment history and active card usage.
- Submit a request – Fill in the required details, such as your current income and updated KYC documents if needed.
- Await approval – Bajaj Finance reviews your profile and notifies you of the new limit, usually within a few working days.
- Start using the enhanced limit – Once approved, your higher limit is immediately available for transactions.
This process helps optimise your card benefits and manage larger purchases efficiently.
You can also check your EMI Network Card details and use Bajaj Finance services by downloading our app from Play Store/ App Store
